vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The company BOA has breach its Fiduciary duties, to maintain operate in my Business account this is an on going battle since XXXX  they have committed Fraud using my account, money laundering, and Financially Gynecide, and Theft by Taking by using my Trade Mark Name, SS Number, and Business EIN. This is the 4th fourth time making a complaint with no Remedy, Respect, and Resolution. I have 120 pages of evidence. This is negligence and intentionally done. They sent no useable phone numbers no answers, they remove evidence, and lied on documents.

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 2025-01-07 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: GA

Complaint narrative:
I received a copy of my consumer report and I have some inaccurate information reporting. 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I have disputed these accounts because it is fraudulent and I have filed a police report. I requested a description of the procedure that was done to verify the accuracy and completion of the information on these accounts. Who did you interview to come to this conclusion that this was my account? This is a violation and I am asking that these accounts e delete ASAP from my consumer report or I will file a lawsuit. 

I was apart of XXXX XXXX. 15USC 1681C-3. I am already going through a tough time and I have to deal with this type of stuff. I am trying to get y life together and these things are holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: GA

Complaint narrative:
I received a copy of my consumer report and I have some inaccurate information reporting. 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I have disputed these accounts because it is fraudulent and I have filed a police report. I requested a description of the procedure that was done to verify the accuracy and completion of the information on these accounts. Who did you interview to come to this conclusion that this was my account? This is a violation and I am asking that these accounts e delete ASAP from my consumer report or I will file a lawsuit. 

I was apart of XXXX XXXX. 15USC 1681C-3. I am already going through a tough time and I have to deal with this type of stuff. I am trying to get y life together and these things are holding me back.

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 2025-01-07 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: NE

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-01-07 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: NE

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: NJ

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma, LLC
State: TN

Complaint narrative:
Please reference previous compliant - XXXX, that was closed by CFPB even though it was unresolved, Credit Karma made several false statements in their response and have still not secured my personal credit information. they have still not changed the log in phone number, so the original hacker still has access to my personal and credit information. This has resulted in 3 of my credit cards being hacked, days and weeks before XXXX. I had to close those cards and request replacements, which resulted in me not being able to use them in those few weeks before XXXX. that is the credit issue that i know about as was able to correct, with a lot of headaches, but i am yet to know about any other issues that have not yet shown up. and those new cards will show up on my Credit Karma report, which I don't have access to but the hacker still does. 
This is unacceptable. Credit Karma has a responsibility to protect my personal and credit information. they have failed this responsibility. 
I need the log in phone number changed back to mine, so i can access my account, and my account is once again secure and not accessible by anyone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: FL

Complaint narrative:
Experian Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following account is not mine Former : XXXX XXXXXXXX XXXX 2. The following account is not mine Former : XXXX XXXX XXXX 3. The following account is not mine Also Known As : XXXX XXXXXXXX XXXX 4. The following account is not mine Also Known As : XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 5. The following account is not mine Former : XXXX XXXX 6. The following account is not mine Former : XXXX XXXX 7. The following account is not mine Former : XXXX XXXX 8. The following account is not mine Also Known As : XXXX XXXX 9. The following personal information is incorrect Also Known As : XXXX XXXX 10. The following account is not mine Also Known As : XXXX XXXX 11. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL XXXX 12. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX 13. The following account is not mine Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX FL XXXX XXXX XXXX Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following account is not mine Former : XXXX, XXXX XXXX 2. The following account is not mine Also Known As : 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of XXXX. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''

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 2025-01-07 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: MA

Complaint narrative:
I am filing this complaint against Equifax for failing to properly investigate a fraudulent account on my credit report, despite providing them with all required documentation, including an identity theft report. 

I have repeatedly disputed the fraudulent XXXX XXXX account ending in XXXX, which is not mine and was opened as a result of identity theft. As required by law, I provided Equifax with the following documentation : 1.identity theft affidavit documenting the fraud.

2. Other supporting evidence proving that I did not authorize or open this account. 

Despite this, Equifax has failed to conduct a proper investigation. Instead, they have simply stated that they verified the account with XXXX XXXX and have refused to remove it. They have sent me the same generic response multiple times, labeling my dispute as frivolous without addressing the evidence I submitted.Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to : Conduct a reasonable investigation of disputes, especially when evidence of identity theft is presented. 
Remove fraudulent accounts when sufficient documentation is provided. 

Equifaxs actions violate these legal obligations. Their reliance on XXXX XXXX claim of accuracy without properly investigating the evidence I submitted demonstrates a lack of compliance with the FCRA. 

Additionally, the most recent letter from Equifax ( attached to this complaint ) dismisses my dispute as frivolous and fails to acknowledge the identity theft report and other supporting evidence I provided. This demonstrates their unwillingness to fulfill their duties as a credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I called to let them know why is my credit score is low I pay all my bills on time no derogatory I try talking to the representative and explain to them why my score is low am getting denied for housing etc, ( 15USC 1692 ( d ) ( 2 ) Causing harm to your reputation via Credit report getting denied credit for housing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I called to let them know why is my credit score is low I pay all my bills on time no derogatory I try talking to the representative and explain to them why my score is low am getting denied for housing etc, ( 15USC 1692 ( d ) ( 2 ) Causing harm to your reputation via Credit report getting denied credit for housing

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 2025-01-07 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: IL

Complaint narrative:
Hello, I would like to request an investigation into these accounts, as there seems to be a misunderstanding about their accuracy on my credit report. These accounts were previously removed but have been re-added without my knowledge. I was not informed of their reinstatement, nor have I received any correspondence regarding this matter by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX {$0.00} XXXXXXXX XXXX {$0.00} Delete Account Immediately for violation of 15 USC 1681e ( b )

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 2025-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc
State: NV

Complaint narrative:
I received a payment page that only had my name and a date. I don't not receive anything from the hospital.

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 2025-01-07 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: TX

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 2025-01-07 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: AL

Complaint narrative:
I am filing a complaint against XXXX, XXXX, and Equifax for failing to correct inaccuracies on my credit report, despite my repeated attempts to dispute the information. The incorrect details remain on my report, which continues to negatively impact my credit profile. 

The credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ) as follows : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) The credit bureaus are reporting outdated information that should have been excluded after the legally mandated time period.

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) They failed to conduct a reasonable investigation into the disputed information and have not provided sufficient evidence to validate the reported data.

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit bureaus have not ensured the accuracy of the information on my credit report, as inaccuracies remain despite my dispute efforts.

I urge the CFPB to investigate these violations and take appropriate action to ensure the credit bureaus comply with the FCRA and rectify the ongoing errors on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We received a letter from Wells Fargo ( WF ) XX/XX/XXXX that a previously issued ck was not cashed asked to call to request a new check. When we received the ck on XX/XX/XXXX, there was a notification attached stating that WF stated when our loan was considered for pymt assistance options an " error '' may have occurred. No other information was provided. Since we did not accept the check, we were sent a packet to apply for Mediation ( the only other option ). In this packet, we are supposed to explain why we do not agree with the proposed {$200.00} and provide support to show why we need to negotiate a different amount. At this time, we want WF to identify ( on paper ) what this calculation error was. We also need to know if this calculation error ( s ) affected our refinancing, since we no longer hold a mortgage with WF. 

There are more questions than answers at this time. We need to know if this is related to the settlement in XXXX of XXXX. We also may require legal representation with WF bearing that cost. We have no idea if whatever errors occurred will impact any future endeavors or if our current loan was calculated incorrectly.

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 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
On XX/XX/year>XXXX  I deposited an insurance company check for {$14000.00} to my personal checking account at Arvest Bank. At the time of deposit I was not informed about a hold. Subsequently the bank placed a hold on {$8500.00}. I did receive a letter in the mail about the hold. Today, XX/XX/XXXX, the hold is still in place. I called and was informed that its scheduled release date isXXXX. That is XXXX business days from the date of deposit. Thats ridiculous. There is no reason for the bank to be concerned about my account and it was a legitimate corporate check that was deposited. If they want to place a hold for a few days, thats fine. They may be able to do this legally but it is extremely poor customer service, and laziness. 
This indicates that their internal systems are so poor that it may take them an extra week to figure out what to do with a returned check.

Company response to consumer: Closed with explanation