vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I went to the Bank of America on XX/XX/year> to open up a new account for my XXXX XXXX. The type of foundation was and XXXX XXXX. And Bank of America has been known to service these type of accounts or create these accounts. When I walked in the representative seems irritated by my presence I'm a XXXX American male and it seems like he didn't even want to help me. After spending an hour there he told me that he didn't know what to do what type of account I was actually trying to get. So the young lady who referred me to Bank of America helps organizations like mines, so I showed him A account that was already structured In there system that way I show him the type of account structure i needed. he looked at the other account that Bank of America create for my friend and told me that he could not help me because he did trust who ever did the account for her and he wasnt comfortable doing it for me. And we asked him it's the same structure that That BOA does routinely. And then I asked for the branch manager and the branch manager became very unprofessional and just told me that they couldn't help me.. so even after explaining to them and showing them how the account is structured in their own system they still refuse to create my account.

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 2024-11-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccuracies in My Credit Report Dear Consumer Financial Protection Bureau , I am writing to formally request your assistance in addressing inaccuracies in my credit reports from XXXX, XXXX, and Experian, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have identified errors and outdated information on my reports that I have previously disputed with the credit bureaus without resolution.

Specifically, I am requesting the following actions : 1. The removal of all inaccuracies from my credit report.

2. The removal of all closed accounts that are not accurately reflecting my credit history.

Under the FCRA, I am entitled to accurate and fair reporting of my credit information. The following provisions of the FCRA provide the statutory basis for my request : 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report.

15 U.S.C. 1681i : Consumers have the right to dispute inaccurate information, and credit bureaus are obligated to conduct a reasonable investigation of disputes within 30 days.

15 U.S.C. 1681c ( a ) : Certain negative information, such as closed accounts or outdated debts, should not appear on a consumers credit report after specific time limits.

15 U.S.C. 1681g : Consumers have the right to access their credit report and be informed of the sources and purposes of the information provided.

I believe these rights have been violated due to the continued presence of inaccurate information on my credit reports. This has caused harm to my financial standing and reputation. I have attached copies of my credit reports highlighting the inaccuracies in question for your review. 

Please investigate this matter and ensure the credit bureaus comply with the requirements of the FCRA. I request that all inaccuracies and closed accounts be removed immediately to reflect accurate and up-to-date information. 

If further information is required, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Wrong Names Address Phone Numbers Employment information Closed accounts Inquiries

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 2024-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to file a formal dispute regarding fraudulent activity on my credit report that has not been adequately resolved. I believe that I am a victim of identity theft and I am seeking assistance from the consumer financial protection bureau to ensure this matter is properly addressed. I reported the theft of my identity to the federal trade commission, also I attach my identity theft affidavit. I am requesting that you investigate this matter thoroughly and take the necessary actions to ensure that the fraudulent items are removed or corrected on my credit report. This caused significant harm to my financial standing credibility.

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 2024-11-16 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: DE

Complaint narrative:
I am writing to inform you that I am a victim of a data breach which has resulted in identity theft. This has led to the appearance of several unauthorized accounts and credit inquiries on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that you immediately block and delete the following fraudulent accounts and inquiries from my credit report : Fraudulent Accounts : XXXX XXXX  XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$13000.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$440.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$400.00} XXXX. UNAUTHORIZED COLLECTION o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4500.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$25000.00} Unauthorized Inquiry : XXXX o Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: FL

Complaint narrative:
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-11-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act., XXXX XXXX and Equifax has violated my rights. 15 USC 1661 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written consent or instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove the listed account immediately Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I recently applied for credit, and I was denied. This denial is discrimination. Regardless of the reason for denial, I have the right to access credit, especially my credit. It is especially disturbing if my application is being used as a security for your company 's benefit and not mine. Withholding access to my securities is security fraud. You are violating the Equal Credit Opportunity Act & Consumer Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
Amex e-gift card ( digital ). I activated it. I can not spend it anywhere. Online stores and XXXX XXXX XXXX stores do not accept it. This is basically a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX and Equifax have violated my consumer rights. 15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, so XXXX and Equifax have violated this law because this late payment is reporting on Equifax. 15 USC 1681a ( 4 ) says, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX and Equifax have violated this law because this late payment reporting on Equifax is a violation of my right to privacy because I didn't give them permission to report it publicly. 15 USC 1681a ( 2 ) ( a ) ( i ) says, the term consumer report does not include transactions or experiences between the consumer and the person making the report, so XXXX has violated this law because they furnished this EXPERIENCE to Equifax and I didn't give them permission to do so via 15 U.S.C 1681 Section 604 A Section 2 stating a consumer reporting agency can not furnish an account without my written instructions AND 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. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! I AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS LATE PAYMENT ACCOUNT after updating it to paid on time for the account listed below. 


Account Name : XXXXXXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXXXXXX XXXX. I was out the state working. My identity was stolen from an individual, XXXX XXXX. Who made this transaction. He died a few years ago. I wasnt aware that this account was used without my consent, knowledge, and authorization. The company refuse to acknowledge my request of identity theft.

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXXXXXX XXXX. I was out the state working. My identity was stolen from an individual, XXXX XXXX. Who made this transaction. He XXXX  a few years ago. I wasnt aware that this account was used without my consent, knowledge, and authorization. The company refuse to acknowledge my request of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXXXXXX XXXX. I was out the state working. My identity was stolen from an individual, XXXX XXXX. Who made this transaction. He XXXX  a few years ago. I wasnt aware that this account was used without my consent, knowledge, and authorization. The company refuse to acknowledge my request of identity theft.

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 2024-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: MO

Complaint narrative:
On XX/XX/XXXX someone obtained a loan in my name from World Acceptance Corporation and I was held captive from XX/XX/XXXX until I was finally rescued on XX/XX/XXXX, since I was rescued I have found information in alot of places that I did not apply for nor did I ever receive any of the said loans or cellphones that are in my name. I'm not sure exactly whom has all used my information to obtain services in my name. I do know of at least XXXX or XXXX different individuals and with my information being exposed in about XXXX data breaches on the dark web there's no telling who all has used it. I try to protect myself from these type of situations however I have been extremely unsuccessful in doing so. I'm not sure what to do or how to go about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: MA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2024-11-16 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: FL

Complaint narrative:
In accordance with the fair credit reporting act., XXXX XXXX and Experian has violated my rights. 15 USC 1661 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written consent or instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove the listed account immediately Account name : XXXX XXXX Account 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