vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I open a bank account by myself in XXXX XXXX when opening the account I saw that said if you received direct deposit within 90 days of opening the account in the amount of {$2000.00} dollars we will give you {$300.00} dollars bonus to your account, but the reason they gave me is because I have a joint account with my wife but for that account is her, my name is on the account just for a legal matter but it's her not mine and beside she did not care about the {$300.00} dollars because she never applied the code, but in my case I did applied the code in XXXX and that offer still valid until XXXX XXXX but XXXX  said we will not give you the XXXX dollars bonus because we take into consideration the joint account with your wife but that's her account not mine. 

But bank of America don't want to honor what's advertised.

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 2025-03-21 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: FL

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 : Creditor 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 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  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 FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I did not authorized these fraudulent activities on my credit report, please delete accounts : CAPITAL ONE BANK USA NA XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) PLEASE REMOVE THIS FILE A.S.A.P ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXX Reference number - XXXX Record type Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NOTIFIED THE COURTS AND THEY SAID THEY NEVER RELEASED ANY INFORMATION FOR NO BANKRUPTCY AND ITS INACCURATE.. 
XXXX ALSO SAID THE SAME THING.. 



ALL MY ACCOUNTS ARE PAID AND IN GOOD STANDARDS..

15 U.S. CODE 1681A 15 U.S. CODE 1681 B2 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XX/XX/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 : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX 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 FCRA 's permissible purposes requirements.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-22 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This account is fraudulent never had opened an account with them I had submitted an identity theft for this account

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 2025-03-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When I was XXXX years old, there was an accident and XXXX XXXX XXXX XXXX XXXX XXXX XXXX After this accident, there was a settlement and the money was put into a XXXX account under my dads name into Chase according to my parents. Around the year XXXX I finally turned XXXX so I went to Chase to retrieve the funds from the XXXX account as my parents were told I would be able to do so. The lady who worked there told us that they werent able to release the funds without us bringing a document that was brought the day the XXXX account was open. After a couple weeks to months, we found a paper that contained the XXXX account number with my name and my fathers name. We went back and showed her the paper and she told us there was a block to the account and it went unresolved. Being frustrated I waited until XXXX where I went back after turning XXXX in order to see if there was any change to releasing the funds. That was where a male who worked at the Chase told us that we needed a court order to access these funds. He also said that he saw a file and that the only way to access it as well was with a court order. After a couple Chase chase branch complaints reached out to me and a lady informed me on how to get the court order. However, when I went to the court to try and get this court order, they told me I needed a case number. After several months of looking into the system and multiple court houses, there was no case number or record of any case at all. I tried reaching out to the same lady and havent had any luck as her mailbox is full. I then decided to make a new call to Chase complaints where an individual told me I have to go in person. That brings me to today where I went in person and met with a lady where she told me she was unable to provide a file as the file wasnt there anymore due to her reason being after seven years files are thrown around and she was also unable to provide me a case number to help me get this court order that the bank is asking for. The manager of the branch then informed me to get legal action as that was the only other way to release these funds. After speaking to a few legal professionals after telling them that the XXXX account only holds around {$6000.00}. They said that was too little for them to help me as they charge quite a large amount to help with this issue and then I should keep looking around. Its just been a whole bunch of back-and-forth and there is no way to release these funds. There is always something in the way. 
So I am hoping to get some help elsewhere or to see what my other options are as it is now going to be four years without any progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed that an account was not being reported accurately. There have been several late payments on an account that were, in fact, paid on time. Credit reporting agencies must report all information with absolute accuracy. This account has had no late payments. I have attached a copy of my report to support this claim, including the following dates : ( XX/XX/ 2024, XX/XX/2024 and XX/XX/2024 ). I request that you investigate this account and update these payments to reflect them as paid on time immediately. I appreciate your understanding and prompt action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed that an account was not being reported accurately. There have been several late payments on an account that were, in fact, paid on time. Credit reporting agencies must report all information with absolute accuracy. This account has had no late payments. I have attached a copy of my report to support this claim, including the following dates : ( XX/XX/ 2024, XX/XX/2024 and XX/XX/2024 ). I request that you investigate this account and update these payments to reflect them as paid on time immediately. I appreciate your understanding and prompt action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/year> and XXXX, I MAILED LETTERS TO EQUIFAX TO DISPUTE MY INACCURATE ACCOUNTS. I AM SO DEPRESSED THAT I RECEIVED 2 LETTERS. 1 SAYING THAT THE DOCUMENTS WERE INILLIGABLE AND THE OTHER SAYING TO SEND ID AND VERIFICATION OF ADDRESS WHICH I ALREADY SENT IN. I AM DEPRESSED BECAUSE I AM TRYING TO PURCHASE A HOME AND THESE INACCURATE ACCOUNTS KEEP REPORTING ON MY CREDIT REPORT. CAN SOMEONE HELP ME BECAUSE THIS IS SLOWING DOWN MY PROGRESS AND CAUSING ME AND MY FAMILY STRESS. 

UNDER THE FAIR CREDIT REPORTING ACT, 15 U.S.C. 1681g i HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL OF THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILE AT THE TIME OF THIS REQUEST CONCERNING THE ACCOUNTS THAT YOU ARE REPORTING IN MY CREDIR REPORT. PLEASE DONT RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE IN YOUR FILES THAT WERE USED TO VERIFY THEM. IF YOU DO NOT HAVE ANY DOCUMENTATION IN YOUR FILES TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS THEN PLEASE DELETE THEM IMMEDIATLEY AS REQUIRED UNDER SECTION 611 ( a ) ( 5 ) ( A ) ( i ). BY PUBLISHING THESE INACCURATE AND UNVERIFIED ITEMS ON MY CREDIT REPORT AND DISTRIBUTING THEM TO 3RD PARTIES YOU ARE DAMAGING MY REPUTATION AND CREDIT WORTHINESS. 
PLEASE DO NOT SEND ME ANYMORE LETTERS TO VERIFY THIS IS ME BECAUSE I HAVE SENT ALL THE REQUIRED DOCUMENTS. 
ALSO IT HAS BEEN OVER 30 DAYS AND THIS IS A VIOLATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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:
Dispute of Inaccurate Collection Reporting Request for Deletion From : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX Dear CFPB, I am writing to dispute an inaccurate collection reported for the account listed below : Creditor : XXXX XXXX Account Type : Rental Agreement Balance : {$310.00} Status : In Collections Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX This account is incorrectly reported as a collection account on my credit file, and I am requesting its immediate deletion for the following reasons : 1. Inaccurate Reporting of Payments The payment history table suggests that I have made 0 % of payments on time, which may not reflect the actual circumstances or a misreporting error.

2. Violation of FCRA 605 Negative Information Reporting Timeline The account is showing as a collection and should not be reported beyond XX/XX/XXXX, as the first delinquency date was in XX/XX/XXXX, which exceeds the 7-year limit for reporting such information.

3. Violation of FCRA 623 Accuracy of Reporting This collection account is inaccurately reported and can not be verified. Under FCRA 609, I request that XXXX XXXXXXXX or the credit reporting agency provide accurate and up-to-date documentation to substantiate this debt. If no verification is provided, the account must be deleted from my report. 

Please investigate and provide a written response within 30 days. If this information can not be verified, I request the immediate deletion of this account from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD 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 2025-03-22 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:
I've recently checked my credit reports and found several unauthorized inquiries. Please delete these : 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 explanation
Consumer complaint received 2025-03-22 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 previously filed a complaint with the CFPB - COMPLAINT ID XXXX regarding a billing dispute that was incorrectly filed as a fraud claim by an agent of Bank Of America XXXX 

In response to the complaint, an agent by the name of XXXX XXXX reached out to me and informed me that she was correcting the banking error, and ensuring that my account was credited for the amount of XXXX USD. The bank corrected the banking error and credited my account on XX/XX/XXXX. Though, I realized that today less than 2 weeks after the credit was issued and the supporting documentation was provided to Bank of America there is a Debit/HOLD on my account for XXXX. 

This hold was for a charge that was to be disputed with the merchant. I provided BANK OF AMERICA with the requested documentation on XX/XX/XXXX. It has not even been 2 weeks since the credit was issued and reversed. If this charge is not dropped immediately, I am going to file a claims against Bank of America, in Small Claims Court in XXXX XXXX. XXXX is alotof money for a bank to debit my account without prior notice or authorization.

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 2025-03-22 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-03-22 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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