vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am on my third account after being with Bank of America for 20 years. Itll be 21 years soon and I am going to include how many refunds in which I have had to call the bank and let them know that a charge was fraudulent. There have been a few where the merchant kind of fought it and they didnt reverse it despite it being 100 % fraudulent, but its difficult because he is cloning my device so it looks like its coming from my device unless you look close and the bank is able to separate the legitimate charges and the fraudulent charges so there must be something where they can tell by the device, but my main complaint is I still have not heard anything about an investigation that was supposed to happen over a year ago. I believe it was around XXXX or so in XXXX possibly early XXXX when the bank tried to call me and then called my mother, which is the second number listed on the account for reasons like this who called me and said the bank needed to talk to me. I called them right away and they told me that somebody had just called pretending to be me and they were opening up an investigation and I have inquired and asked about it many times since yet I never get anywhere and I truly need this evidence because it is crucial to the investigation and the case as well as my life. He has done the same thing with XXXX calls which I have retrieved and requested and Im waiting 10 days to get them as well as to the office where I live, but the old owners knew better because when I moved in, I was honest and told them what was going on and that I had this problem going on and they never charge me for all of the door lock changes I had to make And some attempts by him to make complaints about a camera. I had that nobody could see so it was obviously him and they knew that, but they did tell me I had to take it down however, now there are a new owners since XXXX and after making a fake XXXX call where it was just me here and my fianc who the person who called said I was fighting with and so bad it was violent. I guess that is what they said lying And she had been admitted to a hospital two days prior for personal problems of her. He was probably wondering where she was since he tracks everything we do and didnt see a sign of her for a couple days and figured he would cause some trouble for me and have the cops show up however she wasnt even here And that was the beginning of one of the detectors understanding that this is what he does often. It would go a long way for the investigation just to obtain this information for the investigation and my personal life since he has made so many calls that the office is trying to evict me on false premises.

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 2025-02-25 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen on my credit 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 2025-02-25 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen on my credit 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 non-monetary relief
Consumer complaint received 2025-02-25 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: IL

Complaint narrative:
Kindly remove and block the unauthorized accounts from my credit report as soon as possible. I did not initiate these accounts and have no information regarding their origins. Per USC 1681g, I am formally requesting their removal within 15 days. Enclosed are supporting documents for your review.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is fraudulent activity and unauthorized credit inquiries made by the companies listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting Transunion remove these hard inquiries immediately from my credit files.

Your immediate attention to this matter is appreciated. 
Thanks

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 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In spring XXXX I visited Wells Fargo bank in my mother 's home town with her to invoke a POA. The bank refused, and has continued to refuse to honor the POA because the POA has her full legal name used and her account of 14 years with this bank has a first initial and middle name. She no longer drives so her license is expired. Alternative forms of identification were offered and declined. I was able to set up an account with an alternative bank and also have representative payee status with Social Security but have no access to this account to manage payments, oversee or transfer funds, etc. She is not competent any longer. I also have a letter of incapacity from her memory care doctor. She is XXXX XXXX XXXX, in failing health and living in a XXXX home. I can not pay for her care and her medical bills are also going unpaid. I've escalated this through several customer care channels with the bank and the response has been the same. I have hired an attorney to initiate a court order but if this can be resolved before this step, I would be grateful.

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 2025-02-25 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: AL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : Dispute of Alleged Debt under Consumer Protection Laws Account/Reference Number : XXXX... 

To Whom It May Concern, This letter serves as a formal notice that I dispute the validity of the debt referenced above. I am exercising my rights under the following federal consumer protection laws : XXXX. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) Under the FDCPA, I have the right to request verification of the alleged debt. I hereby demand that you provide written validation of the debt, including the original creditor, itemized breakdown of the amount, and proof that I am legally responsible for it. 
XXXX. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) If this debt has been reported to any consumer reporting agencies, I request an immediate investigation and removal of any inaccurate or unverifiable information from my credit report. 
XXXX. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 ) If this debt arises from a credit account, provide complete disclosure of all terms, conditions, and finance charges that support the alleged debt. 
XXXX. Consumer Financial Protection Bureau ( CFPB ) Regulations As per CFPB guidelines, I am entitled to clear and accurate information regarding any debts claimed against me. 


I request that all future communication regarding this matter be conducted in writing. Additionally, I instruct you to cease and desist any harassing or threatening communication in compliance with the FDCPA. 

If you can not provide sufficient proof of the alleged debt, you are required to remove all negative information from my credit report and cease collection activities immediately. 

Failure to comply with this request may result in me filing a formal complaint with the Consumer Financial Protection Bureau, my state Attorney Generals office, and other appropriate authorities. 

Please respond to this letter within XXXX days of receipt. Send all documentation to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
We are filing a formal complaint against Ally Financial regarding the financing of a XXXX XXXXXX/XX/XXXX, which was purchased from XXXX XXXX XXXX XXXX on XX/XX/XXXX 2019. The financing agreement was structured as a Motor Vehicle Retail Installment Sales Contract and was later assigned to Ally Financial. However, we have identified multiple issues that raise concerns of misrepresentation, inflated charges, and predatory lending practices. 

Inflated Loan Amount Due to Unnecessary Fees : The original vehicle price was {$20000.00}, but we were forced to finance {$26000.00} due to added fees, including : Debt Cancellation Agreement Fee : {$990.00} Drivers Plus+ Maintenance Plan : {$990.00} Ally Premier Protect Service Contract : {$2900.00} These charges were unnecessary and significantly increased the loan balance, extending the time to pay off the vehicle. 

Failure to Properly Disclose the Total Cost of Financing : The Total Sale Price of the vehicle, as listed, did not clearly reflect the full amount financed. The dealer and Ally Financial failed to properly explain the impact of these fees on the total loan balance. 

Ally Financial is Reporting as the Originator of the Loan on the Credit Report : The finance agreement clearly shows that XXXX XXXX XXXX XXXX originated the loan and later assigned it to Ally Financial. 
However, Ally is reporting itself as the original creditor, which is misleading and inaccurate. 

Predatory Lending Practices & Excessive Interest Charges : The Annual Percentage Rate ( APR ) was 11.29 %, but the finance charges disproportionately affected the loan balance. Despite consistent payments, the loan balance has not decreased as expected, largely due to the added fees and the structure of the loan. Ally Financial does not provide an itemized breakdown of how payments are being applied ( i.e., principal vs. interest vs. fees ). This lack of transparency makes it impossible to verify how funds are being allocated and whether payments are being applied correctly. Consumers have the right to access a full breakdown of their payments under federal lending laws. Ally Financials failure to provide this information raises concerns of unfair lending practices and possible misapplication of funds. 

Given that my mother 's credit at the time of financing was above a 700, it is now evident that XXXX XXXX increased the interest rate beyond what was originally approved. My mother is XXXX XXXX XXXX and currently on a fixed income. The prolonging of these payments have caused financial hardship for the both of us. This loan would have already been satisfied according to a recalculation, had these fees not been added. The original agreement in XXXX of 2019 did not include any of these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Upon reaching out to this consumer once I seen it reported on my credit and asked for purchase history and validation of debt fully verify this debt belongs to me otherwise please remove it from my credit report due to fraud instead of agreeing they kept demanding payment and asking me personal information. Instead of providing proof the debt belong to me and provide validation of debt the consumer refuse and use threaten tactics Instead of throughly investigating this debt does not belong to me and should not be reporting against my credit report due to services never rendered and fraud. They completely violated multiple consumer laws and ignored the fact that such said account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: LEXISNEXIS
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : 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  Company Information : Company Name : LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What Happened : I requested LexisNexis to correct inaccuracies on my consumer disclosure report, including removing incorrect addresses, an incorrect email, false business associations, and an outdated security freeze. I provided supporting documentation, including my government-issued ID, Social Security card , and a bank statement to verify my correct address. Despite my formal dispute under the Fair Credit Reporting Act ( FCRA ), LexisNexis failed to remove these inaccuracies within the required 30-day period. 

Specifically : LexisNexis continues to report incorrect addresses : 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 is still listed on my file. 

I am falsely associated with businesses I have no connection to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My security freeze placed on XX/XX/XXXX has not been removed as requested. 

LexisNexis has failed to comply with FCRA 15 U.S.C. 1681i, which requires consumer reporting agencies to investigate and correct inaccurate information within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
On XX/XX/year>, my identity was stolen and use to acquire credit cards found out about it a week later made a police. 
report. Reached out to XXXX Froze my credit and locked it, also reached out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX letting them know that this wasnt me and my identity is stolen and transfer me to the fraud department so I can start an investigation. Two weeks later, three credit bureau deleted the credit cards, but Equifax still have the hard inquiries up there, which is her in my credit score. can somebody please help me get these hard inquiries deleted off my Equifax report, please. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
I am deeply concerned that my XXXX Credit History has been negatively impacted due to repeated late payments, which I believe are a result of the following errors : Under the Fair Credit Billing Act, your company has made several billing and mathematical mistakes, including : Failure to properly post payments and other credits. 
Failure to send bills to my correct address, despite my timely written notification of the address change at least 20 days before the billing period ended. 
Incorrect charges for which I requested an explanation or written proof of purchase, or raised concerns about a potential error. 
Additionally, I have conducted research and found several violations of the Fair Credit Reporting Act ( FCRA ) : FCRA Section 623 ( a ) ( 3 ), which applies to creditors/banks Section 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute if the accuracy or completeness of information is questioned.

As per Section 611 ( A ) of the Fair Credit Reporting Act, I request that these accounts be reinvestigated and deleted. I expect this to be done within 30 days, which I consider a " reasonable time. '' If you fail to verify within this timeframe, the items should be deleted as per Section 611 ( A ) due to non-verification.

Furthermore, in accordance with Section 611 ( D ) of the Fair Credit Reporting Act, please provide me with written confirmation that these items have been deleted from my credit report. Please send me an updated copy of my credit report to the address below. As stipulated in Section 612, there should be no charge for this notification of changes to my credit report. 
XXXX account number XXXX, XXXX account number XXXX

Company response to consumer: Closed with explanation