vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX has continuously reported this account inaccurately on my credit report. Everything is about accuracy, and if this account is not deleted immediately, I will sue XXXX XXXX XXXX XXXX for statutory damages. Under 15 U.S.C. Sec. 1681n ( a ) ( 1 ) ( A ), I can seek damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge off while still claiming you owe the debt. According to IRS Publication 4681, a charge-off may result in cancellation of debt ( COD ) income, which may imply that the debt was forgiven. If the debt was indeed forgiven, it is inaccurate and misleading for it to continue to be reported as a charge-off on my credit report. By LAW, this account is no longer considered debt, instead is considered income as per IRS laws, this account is reporting inaccurately and must be deleted immediately. 
This means, XXXX XXXX XXXX XXXX received a tax break from this charge-off, which means that XXXX  XXXX XXXX XXXX owes me a 1099C and if I do not receive my 1099C for this debt, I will report XXXX  XXXX XXXX XXXX to the IRS for tax fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have noticed a number of hard inquiries on my consumer credit report that I do not recognize nor have I authorized. I am disputing these inquiries and requesting these be removed immediately. I have filed an FTC report ( attached ) and need this expedited as it is impacting both my personal and business financial capabilities. I have listed additional disputes on the FTC report that are specific to four creditors and fraudulent, unauthorized charges. Details are below for reference : In XX/XX/year> I noticed fraudulent activity on my personal credit card with Bank of America. The amount of the fraudulent charges applied to my account totaled {$31000.00}. I disputed the unauthorized activity in the following months with the bank and requested verification of this transaction, however, this was done over the phone and not in writing. The card was closed in late XXXX, early XXXX. The debt eventually was deemed a Charge Off by the creditor after 120+ days of non-payment as I disputed the balance. 

In XX/XX/year> I noticed additional fraudulent activity on my personal credit card with XXXX. The amount of the fraudulent charges applied to my account was {$15000.00}, I believe my entire credit limit at the time. Due to having a previous balance, this charge exceeded my existing balance by double causing my monthly payments to be unattainable. I disputed the unauthorized activity with the bank and requested verification of the transactions, to no avail. The bank stated the charge was authorized but failed to provide any supporting documentation or evidence. The card was eventually closed also in late XXXX, early XXXX. 

In XX/XX/year> I noticed fraudulent activity on my personal credit card with XXXX. The amount of the fraudulent charges was {$5700.00}. The dispute for this account did not start until XX/XX/year>. The charges put this card over its available limit, and I was unable to make even the minimum monthly payments. I disputed this also with the creditor asking to verify the nature of these unauthorized charges, and no verification was ever provided. The card was subsequently closed due to non-payment. 

And again in XX/XX/year> I first noticed fraudulent activity on my personal credit card with XXXX XXXX totaling {$4900.00}. XXXX XXXX is my primary bank where all of my business and savings accounts are and so I could not afford for this account to be compromised. With all of the mounting debts above I unfortunately was not able to continue the payments on this card causing it to be closed after 4 months of continuous non-payment.

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 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MI

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-20 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: GA

Complaint narrative:
My credit report contains late payment records that I strongly believe are incorrect and potentially linked to a data breach. These disputed items are : XXXX XXXX XXXXXXXX, XXXX. - XXXX - {$62000.00} XXXX XXXX XXXX - XXXX - {$20000.00} XXXX  XXXX XXXX - XXXX - {$2000.00} XXXX XXXX XXXX XXXXXXXX - {$2200.00} These records do not reflect my actual payment history. I have submitted documentation proving their inaccuracy, yet no corrections have been made. This has negatively affected my credit standing, and the continued delay in resolving this is unacceptable. 

The Fair Credit Reporting Act ( FCRA ) mandates that all credit information must be accurate. Any incorrect, outdated, or unverifiable records should be updated or removed immediately. I expect swift action to fix these errors.

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 2025-02-20 00:00:00
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I checked my bank account and saw my credit score plummeted, so I investigated and found two student loans that were activated about a month ago in my name, both of which are fraudulent. I do not know the specifics of when they opened or how to reach out to the alleged provider, but the information below is what I can see : DEPT OF ED/NELNET XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I tried calling the above number and it only asked for my social, which I clearly did not give.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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

USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX5 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 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. Equifax, TransUnion and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a Synchroncy card for a mattress I bought at XXXX XXXX. The terms indicate that I need to make a minimum payment of {$71.00} a month. I have this payment set up in my XXXX banking account and that payment has been on time every month. My XX/XX/XXXX statement included a new {$1.00} " paper statement fee ''. Since I have my payments set up to happen automatically, I didn't know this fee had been added. Since that fee was added, they said the minimum payment due was {$72.00}. Since I only paid {$71.00} on XX/XX/XXXX, my XXXX statement charged a late fee of {$30.00} and a minimum interest charge of {$2.00}. I got a text informing me that my payment was past due so I called to find out what was going on. They said they would refund the paper statement fee and the late fee if I made a {$33.00} payment that day. I did so, even though I didn't owe anything because I believed that would resolve the issue and the {$33.00} would go towards my principal anyway. I received another text recently saying my account was past due again. Now they've charged me late fees for the XX/XX/XXXX and XX/XX/XXXX statements ( {$41.00} each ) as well as a {$2.00} minimum interest charge for each of those months. I was on the phone for about an hour with their customer service and was transferred to a supervisor, but they said the best they could do was credit me for one of the late fees. 
This is unacceptable. I've paid the {$71.00} I owe, on time, every month. All of the late fees and interest charges must be removed. I told them that if they did not remove them all I would transfer the amount I actually owe to another card ( minus any transfer and interest fees ), close the account, and report this issue to the CFPB.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX5 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 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. Equifax, TransUnion and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-02-20 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX5 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 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. Equifax, TransUnion and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
XXXXam submitting this formal complaint against TransUnion and Equifax for violations of the Fair Credit Reporting Act ( FCRA ) and related laws. Specifically, these credit reporting agencies have included an account from XXXX XXXX XXXX on my credit report without my authorization, in violation of my rights under the FCRA. 

Violations 1. FCRA Section 602 ( a ) ( 15 U.S.C. 1681 ) Right to Privacy My personal credit information is being reported without my proper consent, violating my right to privacy under the law. 2. FCRA Section 604 ( a ) ( 2 ) ( 15 U.S.C. 1681b ( a ) ( 2 )
) Permissible Purposes of Consumer Reports A consumer reporting agency can not furnish my report to a third party without my written consent, which I never provided to XXXX XXXX XXXX.

3. 15 U.S.C. 1666B Creditor May Not Treat a Payment on an Open-End Consumer Credit Plan as Late for Any Reason The reporting of this account as late is in direct violation of this statute, which prohibits creditors from treating a payment as late under an open-end consumer credit plan. 

Please investigate this matter and take appropriate action against these credit bureaus for their failure to comply with federal consumer protection laws. 

Thank you for your time and prompt attention to this complaint. Please keep me informed of any updates regarding this issue.

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 2025-02-20 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:
My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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:
XXXX XXXX, XXXX, XX/XX/1992 This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank has declined to close an account that was compromised, despite my prompt reporting of the issue. They have also refused to release the phone number associated with my XXXX account, which has resulted in three instances of funds being sent to the account that they are unwilling to refund. I currently have no access to this account and have been attempting to close it since XXXX. During my visit to the branch, the branch manager treated me in a manner that made me feel belittled and incompetent. I am frustrated with this ongoing situation, and it is unreasonable for me to be required to change my phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear CFPB, I recently reviewed my credit report and found unauthorized credit inquiries that I did not initiate. I previously requested that these inquiries be removed, but I see that no action has been taken. These inquiries are inaccurate and not mine. 

Under the Fair Credit Reporting Act ( FCRA ), I am formally disputing these inquiries and requesting their immediate removal from my credit report. As required, I have attached an identity theft report, which provides documentation of the fraudulent activity. Since these inquiries were made without my authorization, they must be removed promptly to prevent further harm to my credit profile.

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