vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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:
Dear Sir or Madam, I am writing to formally dispute certain inaccurate information contained in my credit report. After a thorough review, I have identified items that I believe are erroneous and potentially in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I refer to the provision under 15 U.S.C. 1681n, which provides that if a credit reporting agency willfully fails to comply with the FCRAs requirements for accurate reporting, a consumer may recover statutory damagesup to {$1000.00} per violation. I am asserting that the inaccuracies found in my report may constitute such willful noncompliance.

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 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint against Truist Bank for failure to disclose the specific reasons for restricting and subsequently closing my account, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 
Truist Restricted My Account Without Disclosing the Specific Reason I recently opened a checking account with Truist. Shortly after, I was notified that my account was restricted. When I called their customer service and risk department, I was told that the restriction was due to information from XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/year>. However, Truist has repeatedly refused to disclose the specific information from my XXXX  report that led to the restriction. I called 3 times on XX/XX/year>, visited the XXXX on XXXX loop in XXXXXXXX XXXX and called again on XX/XX/year> with no success. 

On XX/XX/year> a Truist agent by the name of XXXX from the " Fraud Department '' Stated That They Never Disclose the Specific Reason for Account Restrictions '' When I requested the details of my restriction, I was explicitly told that Truist does not provide this information to consumers.This directly violates FCRA 1681g, which requires financial institutions to disclose specific adverse information used in decision-making.

Failure to Provide an Adverse Action Notice as Required by ECOA.

Under ECOA 1691 ( d ), when a bank takes adverse action ( such as restricting or closing an account due to a consumer report ), the consumer is legally entitled to a written explanation of the reason.I have not received any written notice explaining why my account was closed. 
Because of this unexpected account restriction, I did not receive my paycheck for XXXX full week, forcing me to borrow over {$600.00} to cover essential expenses. 
My income tax refund, which was scheduled to be deposited into this account, is now delayed because the account is closed. The IRS will have to mail a check, significantly delaying my ability to move into a new home and purchase a vehicle. 
This has placed me under unnecessary financial strain, affecting my ability to pay bills and meet obligations.

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 2025-02-25 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-02-25 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
The Creditors Of My Accounts Reported Flaws Information about my credit report, Address Errors and Documentation Issues and Reported Inaccuracies To My Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
The Creditors Of My Accounts Reported Flaws Information about my credit report, Address Errors and Documentation Issues and Reported Inaccuracies To 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 monetary relief
Consumer complaint received 2025-02-25 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:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
the following inquiries do not belong to me. 
XXXX XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/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 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello, A XXXX  party check was deposited to my account on XX/XX/2025. The check amount was {$3000.00}. Then next day XX/XX/2025 my account was closed. There was no communication from Bank of America. When I called BOA they said the check will be voided and the funds returned to the issuer ( XXXX XXXX ). It has now been almost a month and I haven't recieved any communication from Bank Of America. I then called multple times and visited XXXX different in person branches to speak with a supervisor. No one has any information and keep repeating the same thing that the funds are on hold. They also said that for the funds to be released back to XXXX XXXX  ( issuer ) XXXX would need to reach out first to do a recall claim, but until then the funds will not be released back. 

I have never heard of funds that do not belong to the bank being put on hold for an extended amount of time. The money does not belong to me nor BOA.

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 2025-02-25 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: IL

Complaint narrative:
I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unaware of their source. Per USC 1681g, I formally ask for their deletion within XXXX  days. Relevant documents are attached for your review.

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 2025-02-25 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: HI

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TomoCredit Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I was alerted by Tomo Credit that several purchases from online retailers were being attempted. XXXX asked " did you make this purchase '' and I replied no to the alerts. Instead of declining the purchases, XXXX approved them and charged my account. I submitted a dispute to their Fraud Department along with requested information and details, and they said they would get back to me with the resolution details but it could take up to XXXX  days. Tomo Credit never followed up with me. When I reached out to them on XX/XX/XXXX, they provided a response on XX/XX/XXXX stating they did not find an error. That is impossible considering I did not make the purchases and they alerted me of the fraud, yet refused to take action to deny the transactions. 

The XXXX transactions ( {$130.00}, {$310.00}, {$56.00}, and {$570.00} ) amounted to {$1000.00}. To make matters worse, XXXX requires consumers to authorize recurring electronic fund transfers as a condition of approval for their credit card. As a result, the {$1000.00} was drafted from my account during the " investigation. '' I did not cancel the draft because XXXX threatened to report any non-payment to the credit reporting agencies and I did not want the ordeal to impact my credit because, at the time, I believed XXXX would investigate the matter, find that fraud took place, and return the drafted amount. 

It seems XXXX had no real incentive to investigate or return the funds due to their automatic recurring funds policy, thus, any credit extended to the consumer is auto drafted in full every billing cycle. 

I am concerned that XXXX is violating the XXXX, exposing their customers to risk that XXXX will not be responsible for, failing to conduct proper investigations, failing to follow up with customers within agreed upon timeframes, and are hiding behind their online portal as they do not have a customer service number. This matter seriously begs the question of how many XXXX card holders reported fraud and the result of the " investigation '' showed no error after XXXX had already debited the funds from their card holders accounts. 

This has been a very frustrating process and a lot of time has elasped, but I would like justice to be served, for XXXX 's business practices and compliance with consumer lending regulations to be investigated, and for the amount taken from me to be returned. Thank you for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: VA

Complaint narrative:
My credit report score has always been XXXX but suddenly it was dropped to XXXX and nothing has changed on my account. I do have a son with the same name and a grandson with the same name, where there have been times that their credit ratings got mixed in with mine. Request you check and if so tell me why my credit report number has dropped.

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 2025-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
According to the FCRA account the account named, NATIONAL CREDIT SYSTEMS has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of accurate debt if valid ; ( 2 ) the debt owed is a culmination of what alleges to be fraudulent charges ; retained deposits, were not returned, were undisclosed and unaccounted for.Name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
There was a fraudulent purchase on my XXXX/citibank credit card account. XXXX credited my account and sent me a new card. XXXX has yet to restore my credit rating. The unauthorized purchase led to a XXXX  day late that should have been removed from credit report after the investigation ruled in my favor.

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 2025-02-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
After completing a round of interviews at the firm, XXXX, I received a {$360.00} American Express prepaid electronic gift card as reimbursement for travel-related expenses. Although the card says it is active and I have added it to my XXXX wallet, I am unable to use the card at any vendor ( cash payment apps like XXXX or at stores like XXXX ). Each time I try to use the card, {$0.00} gets deducted from the balance, despite the fact that I can not actually use the {$360.00} balance on the card. I would prefer a check instead of the card, as the card seems unusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: Synovus Bank
State: NM

Complaint narrative:
Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. 


6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 


5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) umer data and not adequately notifying affected consumers. 
XXXX engaged in unfair and deceptive trade practices by failing to protect cons

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
Hey I am XXXX XXXX XXXX and this account thats being reported in my credit report is Fraudulent/ NOT MINE please remove it immediately. For this is hurting my chances of getting a loan. This is not a XXXX  party filing this 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