vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Date : this all happened XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a transaction issue that occurred on XX/XX/year>, involving my EBT card and an ATM withdrawal at a Bank of America ATM XXXX Despite following up multiple times with both Bank of America and my XXXX provider, I have not received the reimbursement or resolution for this issue. 

Transaction Details : - Date of Transaction : XX/XX/year> - ATM Location : Bank of America : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - EBT Card Number : XXXX but XXXX gave me a new card its XXXX now - Amount of Transaction : XXXX - ATM Receipt/Transaction ID ( if available ) : MACHINE DIDNT GIVE ME A RECEIPT PULL THE CAMERS UP OR IM SUEING On the specified date, I attempted to withdraw money from the ATM using my XXXX card. However, the ATM did not dispense the funds, and I was charged for the transaction. After noticing the discrepancy, I promptly filed a claim with my XXXX provider. A representative from the XXXX provider contacted me and stated that they could not reimburse the funds because Bank of America was responsible for processing the claim. 

I then reached out to Bank of America multiple times to resolve the matter, but they have not provided any meaningful resolution or reimbursement. As a result, I have been without the funds that were wrongly deducted from my account, and I am seeking assistance from your office in ensuring that Bank of America processes my reimbursement in a timely and appropriate manner. 

Steps I Have Taken : XXXX. Filed a claim with the XXXX provider on XXXX XXXX XXXX. Followed up with Bank of America via phone on XXXX XXXX XXXX. XXXX with XXXX customer service on XXXX XXXX and was informed that Bank of America is responsible for the reimbursement. 

Despite these efforts, I have not received a refund or any further assistance in resolving this matter.

Resolution Sought : I respectfully request the CFPBs assistance in ensuring that Bank of America processes the reimbursement for the funds I did not receive during the ATM transaction. I would appreciate your help in holding both the XXXX provider and Bank of America accountable for resolving this issue promptly. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

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 monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
TO CEASE AND DESIST OF DEFAMATION, SLANDER, COLLUSION AND REPORTING TO CONSUMER DATA AGENCIES WITHOUT CONSENT AND INTENT TO SUE DELETE IMMEDIATELY NOTICE XX/XX/XXXX PLAINTIFF : XXXX XXXX XXXX XXXX DEFENDANT : NATIONAL CREDIT ADJUSTERS XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX HIGHEST BIDDER SUBPOENA XXXXXXXX XXXX XXXX JUDICIAL DISTRICT COURT RE : ALLEGED ORIGINAL CREDITOR : XXXX XXXX XXXX ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE {$740.00} CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR : NATIONAL CREDIT ADJUSTERS : DEBT COLLECTOR BOND/BONDS THEFT STOP VIOLATING THE FDCPA USC 1692D EXHIBIT XXXX XXXX XXXX : EXHIBIT XXXX : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATUR

E STATING THAT IVE RECEIVED IT. ACCORDANCE TO 15 USC 1681s-2 ( a
) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE STOP HARRASSING THIS LIVING MAN I DIDNT GIVE CONSENT TO USE THIS ACCOUNT : XXXX XXXX XXXX XXXX. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE. PLEASE SEND DOCUMENTS FROM THE GRAND JURY AS WELL, WHICH I ONLY RECOGNIZED COMMON LAW.

EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED PUBLIC RECORDS CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE- LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT XXXX AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY ALSO YOU MAYBE SUED BY THE CFPB. 
ABRUPTLY, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Living Woman Far from being DEAD UCC1-308 WITHOUT PREJUDICE without recourse BENEFICARY OF acct : XXXX XXXX XXXX NOT THE TRUSTEE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Im writing because the inaccuracies on my report are not only frustrating but also damaging. My score has been negatively affected, and its closing doors for me. I shouldnt have to keep correcting information that shouldnt be there in the first place.

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 2025-01-14 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: VA

Complaint narrative:
As of today, I have not heard back from you. It has been 32 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of XXXX  by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with 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 explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DriveTime
State: VA

Complaint narrative:
As of today, I have not heard back from you. It has been 32 days. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against the credit bureaus regarding an account that has been mistakenly or fraudulently associated with my personal information. ( XXXX XXXX XXXX - XXXX ) The account in question does not belong to me, and I have no knowledge of, nor did I authorize, the creation of this account. 

Despite my efforts to resolve the matter directly with the institution, XXXX, XXXX and Equifax has failed to properly investigate and ensure that everything on my credit profile is 100 % accurate. 
As a result, this unauthorized account is negatively impacting my credit report and causing significant distress. I am requesting the following actions be taken : Immediate investigation and removal of the incorrect account from my credit report.

Confirmation that the account has been fully resolved and removed from any records associated with me. 
Any other actions necessary to correct the situation. 
Please let me know if you need any further documentation to assist in resolving this matter. I appreciate your attention to this issue and look forward to your assistance in rectifying it promptly. 

Thank you for your time and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against the credit bureaus regarding an account that has been mistakenly or fraudulently associated with my personal information. ( XXXX XXXX XXXX - XXXX ) The account in question does not belong to me, and I have no knowledge of, nor did I authorize, the creation of this account. 

Despite my efforts to resolve the matter directly with the institution, XXXX, Experian and XXXX has failed to properly investigate and ensure that everything on my credit profile is 100 % accurate. 
As a result, this unauthorized account is negatively impacting my credit report and causing significant distress. I am requesting the following actions be taken : Immediate investigation and removal of the incorrect account from my credit report.

Confirmation that the account has been fully resolved and removed from any records associated with me.

Any other actions necessary to correct the situation. 
Please let me know if you need any further documentation to assist in resolving this matter. I appreciate your attention to this issue and look forward to your assistance in rectifying it promptly. 

Thank you for your time and help.

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 2025-01-14 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: CA

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Reporting and Mishandled Disputes To : Experian and Consumer Financial Protection Bureau To Whom it may Concern, I am writing to formally file a complaint regarding Experian 's inaccurate reporting of three accounts on my credit report and their mishandling of my disputes concerning these inaccuracies. Despite my repeated efforts to resolve these issues through the dispute process, Experian has verified the accounts without conducting proper investigations as required under the Fair Credit Reporting Act ( FCRA ).

Specifically, my concerns include : 1. Failure to Conduct Reasonable Reinvestigations : Experian has repeatedly failed to adequately investigate my disputes, often marking them as " verified '' without proper evidence or analysis.

2. Inadequate Communication : Experian has not provided clear or accurate explanations of the results of their investigations, leaving me uncertain about the status of my disputes.

3. Violation of FCRA Guidelines : Experian 's actions contradict their obligation to ensure maximum possible accuracy and to conduct thorough reinvestigations as mandated under FCRA sections 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ). 


I have attached the details of the XXXX accounts in question for your review and resolution. 

XXXXXXXX XXXX # XXXX - Violation of 15 USC 1666b and 1681-s2 XXXX XXXX XXXX XXXX XXXX - Violation of 15 USC 1666b and 1681- s2 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Violation of 15 USC 1666b and 1681 -s2 I respectfully request that Experian : 1. Conduct a thorough and impartial reinvestigation of the accounts listed.

2. Provide a detailed explanation of their findings, including any evidence used to verify the disputed accounts.

3. Remove any inaccurate information that can not be verified.

If these issues are not resolved promptly, I will pursue further action to protect my rights under federal law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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 2025-01-14 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was the victim of credit/identity/bank fraud on more than one occasion. XXXX XXXX put multiple freezes on my account and ultimately closed the account and issued me a new account number. I've NEVER paid an obligation late. I am on auto-pay with all creditors. XXXX of my creditors reported me late. I've sent them letters and included police reports, bank letters and other supporting documentation, yet they refuse to correct their incorrect derogatory information.

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 2025-01-14 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: FL

Complaint narrative:
I was the victim of credit/identity/bank fraud on more than one occasion. XXXX XXXX put multiple freezes on my account and ultimately closed the account and issued me a new account number. I've NEVER paid an obligation late. I am on auto-pay with all creditors. XXXX of my creditors reported me late. I've sent them letters and included police reports, bank letters and other supporting documentation, yet they refuse to correct their incorrect derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: MA

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 2025-01-14 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: AL

Complaint narrative:
I have disputed this issue several times and have gotten responses from Experian, XXXX and XXXX in regards this late payment on my credit report. They are still reporting late payment which has cause me damages to my credit report. 
XXXX XXXXXXXX XXXX partial acct. # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the Fair Credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : 2. Exclusion - except as provided in paragraph ( 3 ), the term " consumer report '' include : ( A ) Subject to section 1681s-3 of this title, any .....

( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-14 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:
To whom may concern, I am writing to formally dispute the inaccurate and inconsistent information being reported on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The FCRA mandates that credit reporting agencies maintain and report accurate, complete, and verifiable information. The discrepancies outlined below violate these standards and have caused harm to my creditworthiness. 

The account in question, referenced as XXXX XXXXXXXX XXXX XXXX, is being reported differently across the three major credit reporting agencies. Below are the inconsistencies I have identified : XXXX : Account Number : XXXX Last Activity Date : XX/XX/XXXX High Balance : {$7600.00} Payment History : No history reported Equifax : Account Number : XXXX Last Activity Date : XX/XX/XXXX High Balance : {$0.00} Payment History : 61 % payments made on time ; 120 days past due in XXXX and XXXX of XXXX Additional Issue : The account has been charged off more than once, violating the statute of limitations. 
XXXX : Account Number : XXXX Last Activity Date : XX/XX/XXXX High Balance : Not reported Payment History : 40 % payments made on time ; 120 days past due in XXXX and XXXX of XXXX Additional Issue : The account has been charged off more than once, violating the statute of limitations. 
These discrepancies are not only a clear violation of FCRA 1681e ( b ), which requires credit reporting agencies to ensure the accuracy of the information they report, but they also reflect gross negligence in verifying the data provided by the data furnishers.

Furthermore, the repeated " charge-off '' entries violate the principle that a single debt can not be reported as charged off multiple times, as this unfairly extends the negative impact on my credit file. This action contravenes the statute of limitations under federal and state laws.

I am demanding an immediate investigation into these inaccuracies, as required under FCRA 1681i ( a ). Please : Conduct a thorough investigation of the discrepancies reported.

Provide a detailed explanation of the investigation 's outcome.

Correct or delete the inaccurate information.

Provide me with a free updated copy of my credit report reflecting the corrections.

Failure to comply with this request within the legally mandated 30-day period will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal recourse for damages caused by your negligent reporting practices.

I have attached supporting documentation for your review. Please confirm receipt of this letter and provide an update on your progress within five business days.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief