vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited my life savings into Bank of America business account and they made it disappear. I had a little business and it started to pick up, so I decided to grow it by moving my life savings into B of A business checking. It was 2020, the banks were closed except briefly by appointment ; I spent hours on the phone trying to get through to somebody ; when I did, they were rude and dismissive. I TRIED TO LOOK AT MY ACCOUNT ONLINE BUT MY ONLINE ACCOUNT WOULD NOT LET ME IN, I TRIED DOWNLOADING THE APP -- WHICH I HAD NEVER SET UP -- AND I COULD GET NOWHERE. I got an appointment to help me with the app, and the clerk SAID I ALREADY DOWNLOADED THE APP, I SAID, NO, I DID NOT. WHAT'S MORE, THE EMAIL USED WAS NOT MY EMAIL ; IT WAS AN UNKNOWN EMAIL. There would be no investigation. I continued to call and I finally got to a man who listened and he said there was obvious fraud ; he called one of my local branches, in XXXX XXXX, California and was adamant that I be seen immediately ; the woman had no interest, but agreed. I went down the next day, and she was sarcastic and dismissive. She refused to help me find out what happened to the money and would not print out the statements. She told me to file a fraud case, which I did ; I filed it for only {$7000.00} which they immediately denied. It was clear there had been no investigation. To date, no one has investigated what happened to the money ; I'm just dismissed. I suspect two people -- one person who had access to my computer and phone, and another who, I think, ordered a ton of stuff from a company I did not because she's done it before. But I can't prove it. Only B of A could have figured out who did it, and they would do nothing. Since, I have written numerous letters and gone into the branch to try to talk to the manager, to no avail. 
I had told the man who was sympathetic that I had been trying to get a printout of all my statements, and received nothing. He sent them to me. What jumped out at me was {$50000.00} CHARGE TO MY ATM. When I was looking for help, I saw that disappearing accounts had become a common problem, and who was on the top of the list? Bank of America. 
Whether or not my money was stolen by someone I know and B of A covered it up, or they stole it themselves, I don't know.

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 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was a victim of a scam so chase closed the account opened a new one but the branch manager blocked both accounts my direct deposit was sent to the scam account he lied and said my direct deposit would be forced to go in the new account then he said my employer has to force my direct deposit now its been three days I have not received my direct deposit he blocked both accounts now no direct deposit cant even be issued for the new account he is a liar I have my pay stub that shows my direct deposit did try to go thru but chase did something to my mo he and I want my payroll check I have bills to pay and I just worked for free and they refuse to investigate why I have not received my payroll check indicating there is nothing they can do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed 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 2025-02-21 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:
When I checked my credit report today, I was surprised to see inaccurate accounts listed, and I dont understand why. I review my report regularly, but this time, I noticed errors that werent there before. I attempted to refresh my browser, thinking it might be a technical issue, but the accounts remained. Given this, I kindly ask for a detailed review of the documents I have submitted to ensure this problem is fully resolved.

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 2025-02-21 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Reporting of Civil Liability for Negligence and Non-Compliance I am writing to formally report an issue related to civil liability for negligence and non-compliance that I believe warrants your investigation. 

Experian and XXXX XXXX have not removed negative accounts from my credit after I submitted proper disputes and I need this situation handled correctly and fairly. My credit is being misused and I understand that there is a lawsuit currently due to the companies not removing negative accounts as they are supposed to be doing. 

Given the nature of this situation, I believe it is in the public interest that the appropriate measures are taken to ensure compliance and prevent further issues. I kindly request that your office investigate this matter to determine if any violations of regulatory standards have occurred. 
Should you require any further information or documentation to assist with your investigation, please do not hesitate to contact me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NY

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-21 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This isXXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: VA

Complaint narrative:
I am writing to formally dispute Equifax, TransUnion, XXXX. Under 15 U.S.C. 1681o, you are liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), and I am holding your company accountable for failing to comply with its legal obligations.

Specifically, you have failed to : Describe the negligent act or noncompliance, such as failing to correct errors after a dispute, not notifying me of adverse actions, or allowing unauthorized access to my credit report As a result of this negligence, I have suffered damages, including but not limited to damage to credit score, in which has resulted in my being ineligible to purchase a home. 

I demand that you immediately : Please delete immediately Failure to address this matter will leave me with no choice but to escalate the issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. I am also prepared to pursue legal action to recover damages. 

Please consider this letter a formal dispute and demand for resolution. I expect your written response no later than [ reasonable deadline, e.g., 30 days from the date of this letter ]. If you need any further information to complete your investigation, please contact me promptly. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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 was alarmed to find incorrect accounts on my credit report this morning, and I have no explanation for how they appeared. I routinely check my report, but this time, I came across unexpected inconsistencies. I even tried refreshing my browser, hoping it was just a display error, but the accounts did not disappear. Because of this, I request a thorough review of the documents I submitted so that I can finally put this concern behind me.

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 2025-02-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This morning, I found an unauthorized inquiry on my credit report, and I have no idea how it got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was a glitch, but the issue remained. This is extremely frustrating, and I need this matter resolved immediately. Please review the documents Ive sent thoroughly so I never have to deal with this stress again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
My account with XXXX AND  XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XXXX I was scammed into sending {$500.00} via Zelle to using my bank account. There was someone using a friend of mine facebook account to sell items like vehicles, electronics, boats etc. I need a vehicle for my son desperately and I fell for this scam which I didnt know at the time that it was a scam. I was asked to send a deposit to hold the items. Once the money was received I never heard back from the person that was instant messaging me via my friends XXXX account. I called and emailed the bank to see about possible refund. I emailed Zelle customer support. 2 days after the incident occurred and have not received any refund or follow up emails. Please advise. 

Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/XXXX my mommy transfer XXXX XXXX USD to my checking fifth third bank account. The money take so long for came true in my account so I decide go straight to the bank and for my surprise the bank close my account in XX/XX/XXXX. The bank told me can't tracking any swift transfer, so my mommy decided pay investigation in her brazilian bank and the brazilian bank provide the XXXX, the XXXX the XXXX from new York confirm the fifth third bank accepted the money. I contact fifth third bank and the customer service say don't know what I'm talking about, do not recognize the XXXX, now I don't have the money, the fifth third refuse give my money back dont have any refund money number or nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-21 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief