vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Discover for Unfair Dispute Resolution Transaction with XXXXXXXX XXXX Discover Dispute XXXX XXXXXXXX ) Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Discover regarding their handling of my dispute with the merchant XXXX  Despite providing all necessary documentation proving my case, Discover has unfairly ruled in favor of the merchant, leaving me financially responsible for an incorrect item I returned. 

Details of the Dispute : Merchant Name : XXXX Transaction Amount : {$1900.00} Date Item Returned : XX/XX/year> Return Tracking Number : XXXX ( XXXX ) Background : I originally purchased a specific puffer jacket from XXXX, but the merchant sent me a completely different item. Upon notifying them of the error, they provided a prepaid XXXX  return label, which I used to promptly return the incorrect item. The return tracking confirms that the item was delivered to the merchant. However, despite complying fully with the return process, XXXX has failed to issue my refund. 

Discovers Unfair Handling : I disputed this transaction with Discover, providing all relevant evidence, including proof of return and tracking details. Despite this, Discover has ruled in favor of the merchant, effectively forcing me to pay for an item I neither ordered nor kept. This decision is unjust, as I have fulfilled my obligations and should not be held liable for the merchants failure to process my refund. 

Request for Assistance : I am seeking the CFPBs intervention to ensure that Discover adheres to fair dispute resolution practices. Specifically, I request : A thorough review of Discovers handling of my dispute. 
That Discover reverses the charge and credits my account for the disputed amount of {$1900.00}. 
That Discover provides a clear explanation of why they ruled in favor of the merchant despite the provided evidence. 
Thank you for your time and attention to this matter. I appreciate your prompt response and any action you can take to ensure fair treatment in this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I am filing a formal complaint against TitleMax regarding their unfair and unlawful repossession practices. I obtained an auto title loan from TitleMax, and despite my efforts to resolve my account, my vehicle was repossessed without proper due process. My car is my primary residence, and losing it has caused significant hardship. 

In an attempt to resolve this issue, I sent a Notice of Right to Cure and Notice of Default to TitleMaxs CEO and legal department, but they failed to respond. Additionally, I submitted a Form 1099-C ( Cancellation of Debt ) to both TitleMax and the IRS to discharge the debt. By law, TitleMax was required to accept the 1099-C, yet they have refused to acknowledge or comply with this legal process.

TitleMaxs actions raise serious concerns regarding their repossession policies and compliance with federal consumer protection laws. Their failure to respond to legal notices, refusal to engage in good faith negotiations, and disregard for debt cancellation laws suggest potential violations that warrant investigation. I believe TitleMax is engaging in unfair and deceptive business practices by ignoring legally required communications and repossessing vehicles without providing consumers with adequate time or options to cure their defaults. 
I respectfully request that the CFPB investigate TitleMaxs repossession practices and their failure to honor the 1099-C debt discharge. Their refusal to acknowledge my attempts to resolve this matter has caused unnecessary financial and personal hardship, and I urge the CFPB to take appropriate action to hold them accountable. 

Thank you for your time and attention. I look forward to your response regarding this matter. 

Sincerely, XXXX account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I am writing to dispute the following information in my credit report. I have circled the items I dispute on the attached copy of the report I received. 



Disputed Item ( s ) : Inquiry : CBNA CITI CARDS CBNA CBNA XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hello Team, I am writing to formally dispute the locking of my Bank of America account XXXX XXXX XXXX, which I was informed of following the deposit of a check, which I got from a person act as HR of a company, that later returned as unpaid. I want to clarify that I was a victim of a fraudulent job scam and acted in good faith, following standard procedures and instructions provided by the bank. 

Background of the Incident 1. I applied for a job with a company claiming to be XXXX, and after an interview and task, I was offered a position. 
2. As part of the onboarding process, they requested my banking details and later issued me a check for {$9900.00}, which I was instructed to deposit. 
3. Before depositing, I approached a BoFA relationship manager for verification, but I was directed to use the XXXX deposit feature instead of receiving a manual review. 
4. After depositing the check via mobile scan, Bank of America returned the check as unpaid, at which point I immediately attempted to contact the employer, but they became unresponsive. 
5. Instead of discussing this issue with me, Bank of America abruptly closed my account ( I got to know when i went to bank to discuss and inform them that i have been scammed ), instead of understanding my situation they refused to provide a reasoned explanation or resolution when i also called their customer support and never bothered to listen my case even though I have all the proofs of emails and screenshots. 

Reasons This Closure is Unjustice I am a fraud victim, not a perpetrator. I had no knowledge that the check was fraudulent. I acted in good faith and reached out to BoFA for help before making the deposit. 
Bank of America failed to conduct due diligence. When I sought assistance, the relationship manager did not review the check, instead instructing me to deposit it myself. 
Immediate account closure without review is excessive. I was given no opportunity to clarify my situation, nor was I provided with a formal dispute process. 
This decision affects my ability to bank elsewhere. If my account has been reported to XXXX or XXXX XXXX XXXX XXXX XXXX XXXX  I request immediate correction, as I was not involved in this fraudulent activity. 

Please help me to maintain my bank account. your assistance is highly appreciated. 
Looking forward for a resolution. 
Regards, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts that I have marked inaccurate XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/year> I received a check ( scanned check included ) in the amount of {$1900.00}. The check was from an individual, XXXX XXXX XXXX XXXX ( photo ID included ), who posed as an agent from a modeling agency. The individual was in contact with my son, who was the model. The check was to be used to cover expenses during the photoshoot, i.e. photographer, makeup, wardrobe, etc. I deposited the check to my US Bank checking account and from there XXXX continued to pressure my son to XXXX funds to him. I didn't feel comfortable with sending funds, but the pressure worsened when XXXX text ( screenshots included ) my son a long explanation, assuming to get my son to trust him. After a day, I decided to XXXX XXXX {$200.00} at XXXX XXXX and {$1200.00} to XXXX XXXX on Saturday, XX/XX/year>, based on good faith as my son trusted XXXX. On XX/XX/year>, I was contacted by US Bank XXXX Department that my accounts would be closed due to suspicious activity. I was beyond stressed since XXXX has now drained all my funds to take care of my family. I reached out to US Bank to dispute the transactions, but I was declined support. Instead, my accounts were automatically closed for any reason or no reason at all ( US Bank letter included ). I made several calls to US Bank to appeal my case but I continued to be met with resistance. My account was now closed, I didn't have a means to financially support my family during that time, and I filed a police report ( case ID included ). The police informed me they would collect all the information I had but the ID XXXX used could've been stolen as well. It was a lost cause at that point. I couldn't do anything further and had to take the loss. My complaint is against US Bank for failing to provide support.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc.
State: PA

Complaint narrative:
They claim I owe a little over {$7000.00} from a previous line of credit I never had all the way back in XXXX XXXX XXXX I informed them I never even had this company on my credit report untill this month when they, the debt collectors, put it on there! Never had a line pf credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently disputed inaccurate charge-off accounts on my Transunion credit report. Instead of conducting a proper investigation, Transunion verified and updated these accounts without providing any reasonable basis for their accuracy. This action violates my rights under 15 U.S.C. 1681i, which requires credit bureaus to conduct a proper reinvestigation of disputed items. 

The following accounts are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunions actions also conflict with federal statutes, including : 15 U.S.C. 1602 ( g ) ( 2 ) Defining " credit '' and consumer rights under the Truth in Lending Act.

15 U.S.C. 1635 Protecting consumers ' rights to rescind certain transactions.

15 U.S.C. 1601 Establishing Congressional intent to ensure fair and transparent credit practices.

15 U.S.C. 1692g Requiring debt validation to prevent inaccurate reporting of debts. 

I am requesting that these inaccurate accounts be removed from my credit report for such violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
DISPUTING INQUIRIES ON TRANSUNION CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XXXX XXXX XXXX I submitted a CFPB identity theft report that was came with a police report number. The affidavit was noterized and signed. Experian refuses to block all listed disputed information. Experian refuses to investigate and they wont follow the law by blocking the disputed accounts and information. Theres a credit reporting law you are violating. The law I have is attached. XXXX and XXXX has followed the law by blocking ficticious fraudulent reporting, This is why the CFPB is suing you. You refuse to investigate or even follow the law. I will soon have a court case against you!!! I dont need to send you a police report according to the law, but one is listed in the previous complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There were XXXX requests for opening a credit card in my report that I don't recognize, I contacted this company to remove these requests, but they didn't help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There were XXXX requests for opening a credit card in my report that I don't recognize, I contacted this company to remove these requests, but they didn't help me XXXX OF XXXX XX/XX/year> XXXX OF XXXX XX/XX/year> XXXX OF XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$XXXX} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$XXXX} XXXX XXXX # XXXX XX/XX/XXXX -- {$XXXX}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation