vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/year>, I rented a vehicle from XXXX XXXX XXXX at XXXX XXXX and was charged a {$300.00} security hold/deposit. In XXXX XXXX, I returned the vehicle. Upon waiting for my deposit/ hold to appear after some days, only about {$200.00} of the hold was returned. I contacted XXXX and they informed me that they had released the full {$300.00} on the date that I returned the vehicle with no extra fees or charges accumulated. On XX/XX/year>, I rented a vehicle from XXXX car rental at XXXX XXXX  and returned the vehicle on XXXX XXXX. Upon waiting for my security hold/ deposit, it never was returned. I contacted Bank of America regarding both transactions to inquire about my funds and was told that my funds had to have been returned as they were only a hold, but the bank could not see the transaction nor prove that the money was returned. However I was offered the opportunity to request a higher credit limit. Lengthy conversations and an obvious disregard for my concern led to me terminating the call. I then called back about a week or so later and was met with the same explanation, and each time I asked to speak to a branch manager, they said the same thing but would/ could not show on record. Each time I asked to escalate the call/ complaint to a higher Up, I was given the runaround with no resolution. It should be noted that on the days when I picked up my rental vehicles, there were suspicious individuals roaming/ lingering In the rental facility at the exact times of my scheduled pickups. Also, the facilities had began a pattern of forcing a " FREE UPGRADE '' as they claimed that they didn't have availability on the vehicle that I had selected. I do believe that there may be some level of cohoots between the rental facility and my banking institution. I had also verbally complained to an associate of XXXX XXXX rental on a previous rental that I was being tracked and followed and believed it was directly related to the facility.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX To : Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX RE : Identity Theft Dispute Unauthorized XXXX Credit Card Account and Fraudulent Address To Whom It May Concern, I am writing to formally dispute an account and address appearing on my credit reports, which are clear indications of identity theft. I am a victim of identity theft, and I have never applied for, opened, or authorized any account with XXXX XXXX, nor have I ever resided at the address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 

The unauthorized account in question is being reported by all three major credit bureaus ( Equifax, Experian, and TransUnion ) as a XXXXXXXX XXXX credit card account with an outstanding balance of {$1700.00}. The partial account number is : XXXX. 

I request that this account and the fraudulent address be permanently deleted from all my credit reports. Furthermore, I demand that this matter be thoroughly investigated under the protections afforded to me by federal law. 

Supporting Legal Grounds : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2, I have the right to block any information from my credit report that results from identity theft. I am asserting my rights under : FCRA 605B ( 15 U.S.C. 1681c2 ) which requires consumer reporting agencies to block fraudulent information from a consumers file within four business days of receiving appropriate documentation.

FCRA 611 ( 15 U.S.C. 1681i ) which mandates credit reporting agencies to investigate disputes within 30 days of receipt.

FCRA 623 ( 15 U.S.C. 1681s2 ) which requires furnishers of information ( such as XXXX XXXX ) to conduct an investigation when notified by the credit bureau of a dispute. 

Please find enclosed the following documentation to support my dispute : A copy of my government-issued ID A copy of a utility bill to verify my address A copy of my FTC Identity Theft Report ( if available ) A written statement of dispute I request that you : Immediately block and remove the unauthorized XXXXer Bank account ( Acct : XXXX ) from all of my credit reports. 

Remove the fraudulent address : XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX. 

Confirm in writing once these items have been permanently removed and resolved. 

Failure to act within the time frame required by law may result in further complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the State Attorney General, and potential legal action for willful non-compliance with the FCRA. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
On XXXX XXXX XXXX I paid my XXXX XXXX Barclays account off in full. I have statements that show I paid the account in full and have called XXXX XXXX multiple times asking for a letter to show a XXXX balance. My credit report is showing I have a balance, which I do not have a balance.

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 2025-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Since last Friday XX/XX/year>, I have been unable to modify any aspect of my XXXX XXXX XXXX account. I have also been unable to liquidate any of the funds in the account. 
I had over {$30000.00} in the account and it is dropping due to the market. 
I spent over XXXX hours on hold with a customer service rep who opened service tickets. 
There has been no resolution to my issue. I have not been contacted about it despite requesting to be contacted. 
The problem appears to be a back end programming or database issue that results in an error message when trying to make any changes or liquidate the account on the company 's main website. 
I have requested that my account be liquidated and sent to my cash balance in my XXXX XXXX account. They have told me that it would take up to XXXX  days to see if it worked.

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 2025-04-07 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: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Monday XXXX The company that I am trying to refinance my auto loan needs an Experian credit report. For some unknown reason they have my report frozen. I have made 5 attempts to contact them. You can not speak to a human, they want you to log on there site. They needed a code to do that, however, they do not send the code, nor do they call back when you give them a phone number. I am in limbo. What kind of company is this that doesn't have customer service?

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 2025-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I moved out of my apartment XX/XX/year>. I canceled my internet service but was still being charged and I didnt find out until months later when I received a bill. I have called XXXX over XXXX times to get this fixed but no one has been any help and now the bill was sit to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address 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 2025-04-07 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
LexisNexis knew since last year i had identity theft back in XXXX up to XXXX. That the public record that reporting bankruptcy they are not minds. Its XXXX XXXX XXXX  XXXX on there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-07 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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:
Ive carefully reviewed my credit report and noticed that this tradeline is not being reported with the maximum possible accuracy. This inaccuracy is not only misleading but also potentially damaging to my credit profile. Given that accurate reporting is required by law, it is clear this issue must be addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: FL

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.

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 2025-04-07 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: IL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$81.00} Charged off XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$80.00} Charged off XXXXXXXX XXXX Account Number XXXX XXXX Date XXXX XXXX, XXXX Balance : {$80.00} Charged off XXXX XXXXXXXX Account Number XXXX Open XXXX XX/XX/XXXX Balance : {$630.00} Charged off XXXX XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number XXXX Balance : {$1500.00} Collection XXXX & XXXX Original Creditor : XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$410.00} Collection XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Collection Inquiries in Dispute : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$81.00} Charged off XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$80.00} Charged off XXXXXXXX XXXX Account Number XXXX XXXX Date XXXX XXXX, XXXX Balance : {$80.00} Charged off XXXX XXXXXXXX Account Number XXXX Open XXXX XX/XX/XXXX Balance : {$630.00} Charged off XXXX XXXX XXXXXXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number XXXX Balance : {$1500.00} Collection XXXX & XXXX Original Creditor : XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$410.00} Collection XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Collection Inquiries in Dispute : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-07 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: FL

Complaint narrative:
XXXX has removed this. Equifax and Transunion removed it and then put it back on my report. Yet they are calling it a " charge off '' .... isn't this against federal law? This is not mine. IT's been proved over 60 days ago. I need it removed ASAP. It's impacting me negatively. Please have them delete asap. Thank you

Company response to consumer: Closed with explanation