vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year> a check was issued to me by XXXX XXXX XXXX. A few months later I cashed that check at Bank of America. I believe on XX/XX/year>. Weeks after cashing the check ( check number XXXX for XXXX ) Bank of America, without contacting me, informing me or asking my permission, reclaimed those issued funds from my savings account. When I noticed that this had occurred, I called Bank of America amd inquired as to why they recouped that money out of my savings account. They responded by telling me that XXXX XXXX XXXXXXXX had not released the funds and that I would have to call them and ask them why. I called XXXXXXXX XXXX XXXXXXXX and they informed me that they did in fact release the funds to Bank of America and it was their error. When I informed Bank of America what XXXX XXXX XXXX stated, Bank of America informed me that the errir is on XXXX XXXX XXXXXXXX. Over the course of the next few months both companies exasperatingly requested that I go back and forth between them requesting documentation. None of which was ever issued to me by either company even after both companies told me they would mail me said documentation. Every communication that I had with Bank of America was in person at a branch. Every time I called Bank of America, either no one answered or they told me I had to go into a local branch. XXXXXXXX XXXX XXXXXXXX gave me the run around every time I called. In essence I had XXXX stolen from me. 

Documentation Requested I requested documentation from both XXXX XXXX XXXXXXXX and Bank of America. I requested from XXXX a statement that the money was paid out to BoA. I requested from Bank of America documentation that the funds were not released from XXXX XXXX XXXXXXXX. Both financial institutions stated that they would mail me documentation. Neither did. I also requested transacation numbers. Those were not provided either over the phone or through the mail as I requested. 

This situation has caused me much, XXXX, mental anguish and frustration. It has also placed me under greater financial burden because I wanted to use those finds to pay down debt ehich has no accumalated more interest beacsuse I have not had that money. 

The fact that neither company would help me, nor would they communicate with each other directly, even at my request, is disgusting. Instead, they both denied responsibility and placed the burden on me to continuously go back and forth between them all the while achieving no result, as if it were their intent.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute letter to TransUnion requesting an investigation into unauthorized inquiries on my credit report. To verify my identity and address, I enclosed copies of my photo ID, Social Security card, and a recent bill reflecting my current address. 
I received a response from TransUnion dated XX/XX/year>, stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' On XX/XX/year>, I sent another dispute letter to TransUnion, requesting an investigation into inaccurate items on my report. Despite providing all required documents and submitting a clear request, TransUnion has failed to respond or provide any results of their investigation. It has now been over 30 days without resolution or communication. 
The Fair Credit Reporting Act ( FCRA ) clearly mandates that TransUnion conduct a reasonable reinvestigation of any disputed items in a consumer 's file. TransUnion 's failure to act on my dispute is both concerning and frustrating, as it negatively impacts my ability to access credit and financial services. 
Despite receiving sufficient verification documents and a clear request, TransUnion has refused to investigate my dispute, which constitutes a clear failure to fulfill its statutory obligations under the FCRA. 
I have attached copies of my dispute letters and TransUnion 's response for reference.

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 2025-01-09 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: NY

Complaint narrative:
Im writing to notify you I was a victim of identity theft and data breach that has impacted my credit and financial information. as such I request that you block and delete all accounts related to the following agencies from my credit report. 

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 non-monetary relief
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
Im writing to notify you I was a victim of identity theft and data breach that has impacted my credit and financial information. as such I request that you block and delete all accounts related to the following agencies from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I am writing to formally dispute the inaccurate information being reported on my ChexSystems record. This is pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable consumer protection laws, which mandate that any information reported about me must be 100 % accurate, verifiable, and fair. 
According to the enclosed police report ( Case No. XXXX, issued by XXXX XXXX XXXX / XXXX / XXXX | XXXX Police XXXX XXXX XXXX ), my phone was lost in XXXX. During this period, an unknown individual used my banking app to attempt to cash a fraudulent check for {$2200.00}. The fraudulent activity was flagged, and the funds were never deposited. However, my account was closed, and this matter has led to an unwarranted flag on my banking history, which has severely impacted my ability to access essential financial services, such as mobile check deposits. 
This inaccurate reporting is a violation of my rights as a consumer. The FCRA requires ChexSystems to ensure that all data it maintains is accurate and reflects a complete and truthful record. Since the fraudulent activity was flagged and not caused by my actions, maintaining this adverse record on my file is unjustified.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX  XXXX - XXXX - {$36000.00} XXXX XXXX - XXXX XXXX {$3300.00} XXXX XXXX  - XXXX - {$3900.00} Inquiry XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Personal Information Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, Employers : XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2025-01-09 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2025-01-09 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: OH

Complaint narrative:
Account Number : XXXX Request for Deletion of Account from Credit Report Dear XXXX BANK XXXX, I am writing to address an issue regarding my credit report. It has come to my attention that my account with you, which was previously written off by your company for tax purposes, is still being reported as having an outstanding balance. As per my records, this account was written off, and I did not receive a 1099 form reflecting this write-off. I believe that this erroneous reporting is negatively impacting my credit score and overall financial health. In accordance with the Fair Credit Reporting Act, I kindly request that you investigate this matter and delete the account from my credit report within 15 days. Thank you for your prompt attention to this matter.

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 2025-01-09 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: OH

Complaint narrative:
Account Number : XXXX Request for Deletion of Account from Credit Report Dear XXXX XXXX XXXX, I am writing to address an issue regarding my credit report. It has come to my attention that my account with you, which was previously written off by your company for tax purposes, is still being reported as having an outstanding balance. As per my records, this account was written off, and I did not receive a 1099 form reflecting this write-off. I believe that this erroneous reporting is negatively impacting my credit score and overall financial health. In accordance with the Fair Credit Reporting Act, I kindly request that you investigate this matter and delete the account from my credit report within 15 days. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: OH

Complaint narrative:
Account Number : XXXX Request for Deletion of Account from Credit Report Dear XXXX XXXX  XXXX, I am writing to address an issue regarding my credit report. It has come to my attention that my account with you, which was previously written off by your company for tax purposes, is still being reported as having an outstanding balance. As per my records, this account was written off, and I did not receive a 1099 form reflecting this write-off. I believe that this erroneous reporting is negatively impacting my credit score and overall financial health. In accordance with the Fair Credit Reporting Act, I kindly request that you investigate this matter and delete the account from my credit report within 15 days. Thank you for your prompt attention to this matter.

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 2025-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: IL

Complaint narrative:
Dear [ Recipient Name or To Whom It May Concern ], I am writing to formally file a complaint regarding improper handling and reporting of a vehicle repossession debt, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws, including 15 U.S. Code 1681b, 1681n, and 1681o.

Summary of Issues Failure to Remove Debt Balance After Sale : After my vehicle was repossessed and sold, the balance of the debt was not adjusted or removed as required. Despite the sale, the remaining balance has continued to be inaccurately reported.

Resale of Debt and Duplicate Reporting : The original debt was subsequently sold to another lender, and both the original and new debts are being reported on my credit file as active, resulting in a duplicate entry that significantly impacts my credit score. 

Lack of Proper Notice and Validation : I have not received proper notice, validation, or documentation of the debt 's accuracy from either the original creditor or the subsequent debt buyer. 

Violations of Consumer Protection Laws 15 U.S. Code 1681b : Credit reports must be accurate, and lenders must have a permissible purpose to report debts. The duplicate reporting of this debt and its inaccuracies violate this requirement.

15 U.S. Code 1681n : The continued reporting of incorrect debt balances and duplicates suggests willful noncompliance with the FCRA.

15 U.S. Code 1681o : At the very least, the handling of this debt reflects negligent noncompliance, causing significant harm to my credit standing.

Uniform Commercial Code ( UCC ) 9-610 and 9-611 : The sale of repossessed property requires creditors to provide notice of sale and ensure commercial reasonableness. If proper notice was not given, this could constitute another violation.

Impact on Credit and Financial Standing These actions have resulted in : Significant damage to my credit score.

Denial of credit opportunities due to the false portrayal of my financial obligations.

Emotional distress caused by the financial uncertainty and frustration of dealing with repeated inaccuracies.

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SLM CORPORATION
State: TX

Complaint narrative:
I am disputing the collection account with SALLIE MAE BANK XXXX account number XXXX, dated XX/XX/year>, with a balance of {$24000.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that SALLIE MAE BANK XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I sent a request to verify the method of verification that was used to verify the alleged account in question. I also called on XX/XX/XXXX and was transferred to management, left on hold for over 30 mins still with no response. They are reporting an alleged bankruptcy that does not belong to me. I have provided all documents to prove my case.

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 2025-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was a victim of theft & my card & info was used to make several purchases.I did not authorize. 
Chase accredited the money back to My account & later reversed it causing overdrafts.Most importantly taking money frm my savings to cover the charges of fraud.Which puts me in debt & unable to.pay my rent! The XXXX was in amount of {$370.00} onXXXX25 and {$130.00} on XXXX/XXXX/25 I spoke with several claims administrators @ chase & a supervisor in which was rude and said I needed evidence which I ask what type was hung up on! I also had called several times concerning my stolen card asking to have card locked & new one sent.This was not done allowing the thief to continue to use my card.There was over {$500.00} Worth of items purchased not by me nor with my authorization or knowledge.I called again weeks later once I didnt receive new card & seen my card was still active & being used by thief! I was told claim was denied frm lack of evidence.I have no evidence but that I was a victim of fraud and chase wrongfully took money out my savings to cover the purchases they had temporarily credited.

Company response to consumer: Closed with explanation