vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: NV

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: IL

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-02-28 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: CA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX ( Child Support ) opened on XX/XX/XXXX ; XXXX XXXX  ( Credit Card ) opened on XX/XX/XXXX ; XXXX ( Credit Card ) opened on XX/XX/XXXX ; XXXX XXXX XXXX ( Collection Account ) opened on XX/XX/XXXX ; XXXX XXXX XXXX ( Collection Account ) opened on XX/XX/XXXX ; and unauthorized hard inquiries from XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX . I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I am XXXX XXXX, and I am filing an urgent complaint against Bank of America for repeatedly reversing legitimate transactions from my XXXX  business account, resulting in a loss of {$26000.00}. These reversals occurred in XX/XX/year>2024 ( {$13000.00} ) and XX/XX/year> ( {$13000.00} ) due to disputed cryptocurrency ( USDT ) transactions via XXXX XXXX, where buyers claimed unauthorized access to their accounts. 

For both incidents, I provided Bank of America with comprehensive evidence, including : - Screenshots and XXXX XXXX records of the transactions. 
- Buyer IDs and, for the XXXX transaction, a video confirmation of the buyers intent. 
- Proof of my XXXX  legitimate operations. 

Despite this, Bank of America deemed my evidence " insufficient '' without explanation, reversed the funds, closed my account without notice, and provided inconsistent responses to my inquiries. One agent confirmed my evidence was sufficient, while others rejected it, leaving me with no resolution. 

Bank of Americas actions violate the Electronic Fund Transfer Act ( EFTA ) and Regulation E, as well as the Federal Trade Commission Act, by failing to investigate properly, provide due process, or protect my business as a victim of potential fraud. 

I request that the CFPB : 1. Investigate Bank of Americas handling of these reversals and their pattern of negligence. 
2. Compel Bank of America to refund the {$26000.00} unjustly withdrawn and reopen my closed account. 
3. Ensure the bank provides a clear, written explanation of their decisions. 

I have recently received a generic email from Bank of Americas Enterprise Resolution team acknowledging my inquiry, but I have not received a substantive response. I am confirming my identity as the CFPB complainant and am ready to provide all documentation ( transaction records, IDs, videos, call logs ) to support this complaint. 

Thank you for your urgent attention to this matter. I look forward to your assistance in resolving 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 2025-02-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
On XX/XX/XXXX, I visited a dentist for a routine cleaning. During my visit, they pressured me into signing up for XXXX XXXX, exaggerating the condition of my teeth. Initially, I agreed and signed paperwork, but within an hour, I changed my mind and canceled the service.

Actions I Took to Cancel : At XXXXXXXX XXXX I called the dentists office and left a voicemail stating that I no longer wanted the service. 
At XXXX XXXX  I called CareCredit to prevent the charge from going through, but my first call was disconnected. 
At XXXX XXXX  I called CareCredit again and spoke with a representative who assured me that the charge would not be processed and that my balance remained at {$0.00}. 

Despite these efforts, on XX/XX/XXXX, I saw that the {$5200.00} charge went through anyway. 

Contradictory Information from CareCredit : On XX/XX/XXXX, I was told the charge would not be processed. 
On XX/XX/XXXX, a CareCredit representative told me there was a pending reversal of {$5200.00}, and I was on the phone for 31 minutes discussing it.

Later, CareCredit denied any record of these assurances.

Additionally, the dentist now claims they incurred a {$1200.00} lab fee, but I am still being charged XXXX XXXXXXXXa completely unjustified amount for a service I never received.

Follow-Up Attempts : On XX/XX/XXXX, I contacted the dentists office again and was told they would follow up, but they never did.

On the same day, I called CareCredit again, and a representative assured me that a dispute would be opened due to non-receipt of services.

When I followed up on XX/XX/XXXX, I was told the dispute was never actually processed.

My Position : I never received the service and canceled in a timely manner, yet I am still being charged. Either the dentist failed to cancel the charge, or CareCredit failed to block it as promisedor both. This is not my responsibility to resolve.

Resolution I Am Seeking : 1. Immediate removal of the {$5200.00} charge from my account.

2. A formal acknowledgment of the error from both CareCredit and the dentist.

3. If CareCredit does not resolve this, I will escalate this matter legally and file complaints with my states Attorney General and other consumer protection agencies.

I have proof of my calls, timestamps, and statements from CareCredit representatives, which I am willing to provide. CareCredit records all calls, so they should be able to pull their own records to verify my claims.

I expect a prompt resolution to this issue.

This should cover everything CFPB needs. Let me know if you need any changes!

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 2025-02-28 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:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian 's inaction violates federal law and my rights as a 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 explanation
Consumer complaint received 2025-02-28 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 am filing a complaint against XXXX XXXX XXXX, Equifax, XXXX, Experian. For their refusal to provide a 1099-C form and their inaccurate reporting of a charge-off on my credit report. Despite my repeated requests, XXXX XXXX XXXX  Equifax, XXXX, Experian. Has failed to respond or correct the errors, violating federal laws and my rights as a consumer. I requested a 1099-C form from XXXX XXXX XXXX for a debt that was charged off, but they have refused to provide it. Under 26 U.S.C. 6050P, creditors are required to issue a 1099-C when a debt is canceled or forgiven.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: TN

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-02-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Under 15 U.S.C . 1681e ( b ) and 15 U.S.C. 1681i ( a ) To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information listed on my credit report, as reported by your agency. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the maximum possible accuracy of the information reported. The following accounts contain errors and must be corrected or deleted immediately : XXXX. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX Incorrect Balance : Reported as {$5500.00} and {$5500.00} across different bureaus. 
Incorrect Date Opened : Reported as XX/XX/year> and XX/XX/year>. 
Payment Status Discrepancy : Listed as " Collection/Chargeoff '' with inconsistent reporting dates.

FCRA Violation : Failure to ensure the accuracy of reporting, violating 15 U.S.C. 1681e ( b ). 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Incorrect Balance : Reported as {$350.00} without verification of debt ownership.

Status Discrepancy : Marked as " Collection/Chargeoff '' despite prior dispute resolution.

FCRA Violation : Failure to properly investigate under 15 U.S.C. 1681i ( a ).

3. Multiple Hard Inquiries ( Unverified and Unauthorized ) Companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Violation : Unverified inquiries are harming my creditworthiness, violating 15 U.S.C. 1681b.

Under 15 U.S.C. 1681g, I am also requesting : 1. The original assignment contract for all alleged debts.

2. The forward flow agreement that legally authorizes the debt transfer.

3. All documents verifying the accuracy and ownership of these accounts.

4. Deletion of all inaccurate, unverifiable, and outdated information.

Furthermore, under the FCRA, I am entitled to {$1000.00} per violation if my rights continue to be violated. If these errors are not corrected within 30 days, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue legal action if necessary.

Please investigate these matters immediately and provide written confirmation of the corrections. I expect a response within the legally mandated 30-day period.

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: CA

Complaint narrative:
Am I going to have to change my name and social security number to stop these fraudulent accounts and inquiries from popping up on my credit report. I was eating XXXX XXXX earlier enjoying my food when I started getting alerts from 10 credit monitoring services I pay for to come to find an inquiry from XXXX  XXXX. Then I looked at my TransUnion to find an account from XXXX XXXX.. Is that like the dark web like XXXX. This is a fraudulent account and inquiry! Please under the FCRA 605B can you please remove these items listed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: CA

Complaint narrative:
Am I going to have to change my name and social security number to stop these fraudulent accounts and inquiries from popping up on my credit report. I was eating XXXX XXXX earlier enjoying my food when I started getting alerts from 10 credit monitoring services I pay for to come to find an inquiry from XXXX  XXXX. Then I looked at my TransUnion to find an account from XXXX XXXX.. Is that like the dark web like XXXX. This is a fraudulent account and inquiry! Please under the FCRA 605B can you please remove these items listed

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc
State: NV

Complaint narrative:
Background check company dba Checkr Inc. performed a background check on me that contained erroneous information on XX/XX/year>. As such, I immediately disputed the information. 30 days passed and my initial dispute along with countless follow-up inquiries went unanswered. Checkr Inc failed to update my report and ignored all of my communication attempts. Finally, I found the email for their legal department that was buried in their lengthy terms of service and immediately sent an email demanding that my report be updated. Less than 48 hours later, my report was updated and the erroneous information was removed. However, irreversible damage had already been made to my reputation and income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely 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