vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$3000.00}, XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$1900.00}, XXXX, XXXX & XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX bal. {$880.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX XXXX {$370.00}, XXXX XXXX bank Account # : XXXX date opened XX/XX/XXXX bal. {$190.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX  date XXXX XX/XX/XXXX XXXX {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open : XXXX XXXX XXXX {$1400.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$1700.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$1300.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$860.00} Date Open : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : Late Open : XXXX XXXX XXXX {$1400.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$1700.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$1300.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$860.00} Date Open : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Company no longer had information about debt in system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: LA

Complaint narrative:
RECENTLY, I DID AN INVESTAGTION ON MY CREDIT REPORT AND FOUND SEVERAL ITEMS ON THERE TO BE INACURATE. 
UNDER 15 U.S. CODE 1681 E ( B ) ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT. IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE THE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

15 U.S. CODE 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) IN GENERAL IF, AFTER ANY REINVESTGATION UNDER PARAGRAPH ( 1 ) OF ANY INFORMATION DISPUTED BY A CONSUMER. AN ITEM OF THE INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY SHALL ( i ) PROMPTLY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER, OR MODIFY THAT ITEM OF INFORMATION AS APPRORIATE. BASED ON THE RESULTS OF THE REINVESTIGATION AND ( ii ) PROMPTLY NOTIFY THE FURNISHER OF THAT INFORMATION THAT THE INFORMATION HAS BEEN MODIFIED OR DELETED FROM THE FILE OF THE CONSUMER. PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT, IMMEDIATELY FROM XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Data Search NY, Inc.
State: IL

Complaint narrative:
I am filing this complaint against XXXX  XXXX XXXX, XXXX. ( XXXX  ) and TrakAmerica / Data Search NY Inc., regarding fraudulent debt collection practices, account misrepresentation, and violations of consumer protection laws, including illegal balance reversions, account re-aging, and concealment of debt ownership. 
XXXX. XXXX  XXXX XXXX Misrepresented Debt Ownership XXXX filed a lawsuit against me claiming to be the rightful owner of an alleged debt. However, in their own CFPB response, they admitted that XXXX XXXX XXXX, XXXX. ( XXXX XXXX XXXX ) is in charge of the account. This contradicts their lawsuit and raises serious doubts about who truly owns and controls this debt. XXXX failed to disclose TrakAmericas role in fraud disputes, charge-off reversals, and account handling. 

2. TrakAmerica Illegally Controls Fraud Disputes & Balance Reversions XXXX own fraud department ( Case # XXXX ) confirmed that TrakAmericanot XXXXcontrolled fraud claims and balance reversions. TrakAmerica is a licensed debt collector under Illinois law, meaning they are the true entity handling the alleged debtnot XXXX. If TrakAmerica is in control of fraud claims and collections, then XXXX lacks standing to sue. This raises serious concerns about why XXXX is filing lawsuits on debts they no longer control. 

3. Fraudulent Balance Reversions & Illegal Account Re-Aging My account was subject to fraudulent balance reversions initiated without my consent. The balance was manipulated to make it appear collectible, despite confirmed fraud on the account. TrakAmericas role in illegally re-aging the account violates the Fair Credit Reporting Act ( FCRA ). These fraudulent reversions revived an uncollectible debt, violating debt collection laws. 

XXXX XXXX TrakAmerica Concealed Key Information From the Court & Regulators In my pending litigation, XXXX  and its attorneys ( XXXX XXXX XXXX ) failed to disclose TrakAmericas role in handling the account. This is a deliberate attempt to misrepresent the true party in interest. 
If TrakAmerica controls the debt, why is XXXX  suing me? If XXXX still owns the debt, why does TrakAmerica control fraud disputes, collections, and balance adjustments? 
-- - Laws Violated : Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ) Furnishing false credit information Fair Debt Collection Practices Act ( 15 U.S.C. 1692e, 1692f ) Misrepresenting debt ownership, engaging in deceptive collection practices Illinois Consumer Fraud & Deceptive Business Practices Act ( XXXX ILCS XXXX ) Concealing material facts about debt ownership Fraud Upon the Court XXXX  filed a lawsuit while failing to disclose that TrakAmerica is actually handling the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
In accordance with the Fair Credit Reporting act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sarma
State: TX

Complaint narrative:
I asset for the chain of assignment and forward flow agreement with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NY

Complaint narrative:
Ive submitted several letter and disputes to have items removed off my credit everytime i submit things they were being changed to charge offs or the investigation was closed within days of filing a dispute

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 2025-03-19 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: CA

Complaint narrative:
RE : You Violated the Unit

ed States Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) 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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
This account was never refinanced by me and credit bureaus have refused to investigate it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I bought a XXXX XXXX XXXX from XXXX XXXX XXXX, I left believing I got a decent deal.. until I got an email 2 days later from Capital One ( auto lender ) showing a much higher number than I was told and agreed upon. 
I asked the finance manager for a motor vehicle retail installment contract. He feigned ignorance as if he already ( through email- never happened ) did, so he printed up a XXXX XX/XX/XXXX Form ( A NON-AUTHORATATIVE COPY ). Other than the {$5500.00} not accounted for. The salesperson and finance manager agreed {$5000.00} for trade in ( XXXX XXXX XXXX XXXX, under XXXX miles ). Only got {$3500.00}. The loan was based on fraudulent actions. 
The form he gave me has no dates next to any signatures. 
I was told the price of the car will be {$22000.00} not {$28000.00}. Car was priced at {$19000.00}. I was only told about interest rate and monthly payment. His own handwriting shows he offered {$5000.00} for my trade in, I learned 2 days later he only valued at {$3500.00}. Not a single date next to any signature on the XXXX XX/XX/XXXX Form, and the extra fees and numbers added were not agreed upon. I already made a complaint with my auto lender to investigate. I hired a lawyer to make sure this is properly looked at. Because Capital One Auto is also not innocent, the dealership valued the XXXX XXXX XXXX ( the car in question ) at {$16000.00}. How did they approve a loan for that car at $ XXXX that's a % XXXX difference when the average % 115 - % 125 max. There's no way that is common practice, or even LEGAL. 

This is NOT the first car I bought, yet I've never had this specific problem. I will only buy cars from certified dealers from now on. 

Regardless, I lost my car due to the trade. VIN : XXXX he sold my trade in car for {$8500.00}. 

What other recourse do I have? 

P.s. the finance manager tried to defend himself claiming his handwritten doodle " explained everything ''. When he saw I wasn't buying it he then apologized when I came back for the form, saying " wait 2 months until the title comes in, I'll sell you a car wholesale price '' & called it a " learning experience ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: MI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX I initiated an Internal Wire transfer from my account in Bank of America to XXXX XXXX  in XXXX for an amount of {$17000.00}. The process was initiated and completed via the Bank of America XXXX app. It is more than 8 days the money has not deposited to recipient account ( my XXXX account ). XXXX XXXX  in XXXX asked my brother to get the XXXX document from BOA to trace the money. I reached out to BOA and BOA did not provide the XXXX document. I reached to the banking center on XX/XX/XXXX for help to trace the money transfer, but they refused to help and asked me call the customer service. I called XXXX XXXX XXXX since XX/XX/XXXX, and I was asked to call back after an hour since there systems were down. I tried calling very hour till XXXX XXXX XXXX and heard the same response ( systems down ). XX/XX/XXXX I called XXXX BUT I WAS put on hold for hours and was not able to talk to a representative to get this resolved. This money was for my personal investment and it is impacting be due to this delay. Please see the attachments for more details of the communication and transitions details.

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 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I deposit two checks into Chase checking account on XX/XX/XXXX and XX/XX/XXXX, They held my money for over 5 days so I was not able to pay bills and such. Now that they have released my funds into my account now my account became restricted so I am unable to use my debt card or withdraw money from the ATM. I called customer service and was accused of not listening when I wanted to ask a question by a gentleman name XXXX and treated like trash. He was rude and nasty and said some derogatory comments. Chase states that they care about there members which is a total lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: PA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-18 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: NY

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

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