vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
Urgent Assistance Required : Unfulfilled 100 % Cybersecurity Job Guarantee and Refund Issues My Situation : Initial Contact : On [ XXXX XXXX XXXX ], I encountered an advertisement by XXXX XXXX promising a 100 % guarantee of securing a cybersecurity job within 90 days. 
Advertiser 's Credentials : The advert claimed over 10 years of experience in the field, which influenced my decision.

Investment Decision : Instead of depleting my last savings, I opted to " invest '' in this opportunity for myself and a friend, anticipating a job within the stipulated timeframe.

Key Details : Enrollment Date : XX/XX/year> Current Status : Despite the 90-day guarantee, I remain unemployed.

Response from XXXX XXXX and Team : Efforts to evade responsibility and retain the payment have been observed.

Total Amount Paid : {$14000.00} Payment Method : Through Bank of America and XXXX XXXX credit card Refund Attempts : Outcome : Both Bank of America and XXXX XXXX have denied my refund requests. 
Appeal for Assistance : Name : XXXX XXXX Request : I urgently need help in resolving this situation, specifically : Securing the promised job or a viable alternative. 
Obtaining a full refund of {$14000.00}. 
XXXX XXXX : {$2900.00} Bank of America : {$11000.00} Holding XXXX XXXX and his team accountable for the unfulfilled guarantee.

Action Required : To assist me, please consider the following steps : Investigate XXXX XXXX XXXX business practices and the legitimacy of the 100 % job guarantee. 
Facilitate communication with XXXX XXXX and his team to resolve the employment and refund issues. 
Provide guidance on navigating the refund denial with Bank of America and XXXX XXXX, exploring alternative dispute resolution avenues if necessary. 
Offer support in seeking legal or regulatory recourse, should it be deemed necessary.

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 2025-02-03 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 2025-02-03 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: IL

Complaint narrative:
My credit report is showing accounts and items that do not belong to me. These inaccurate accounts need to be deleted immediately.

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 2025-02-03 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I lost my credit card. I called and reported the unauthorized transactions on my account to Wells Fargo and they credited me back. But they brought those unauthorized transactions back to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
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 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went to make a payment in a chase branch Friday, XX/XX/XXXX The branch manager came to the window, gave me a case number and told me all of Your account will be closed effective XX/XX/XXXX. I asked for a reason she said you can call the number on the back of your card. I called them. They said the decision is final no reason provided that includes my personal checking savings account personal credit cards few of them business checking account business credit cards few of them Credit card merchant account The case # they gave me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: CA

Complaint narrative:
I'm Looking at my personal credit report and noticed fraudulent hard inquiries on it. I want to remove these fraudulent inquiries as soon as possible .Inquiries are as follows 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 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 2025-02-03 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:
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 Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Incorrect Name - XXXX XXXX XXXX Incorrect DOB - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, AZ, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all 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 2025-02-03 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the 15 U.S.C. 1681 aka the Fair Credit Reporting Acts ( FCRA ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1. DEPT OF ED/XXXX Reason for Dispute. This account doesn't belong to XXXX XXXX I never opening up a loan with up with DEPT OF ED/XXXX  in XXXX REMOVE INCORRECT PERSONAL INFORMATION & UPDATE PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Pursuant to FCRA {$1600.00} under reinvestigation procedures, youre allowed you 30 days to complete this investigation, after which I authorize you to mail me my updated credit reports along with the investigation results, I am asking that your verify the account directly with the source of the information. If the account is verified, I will require that you provide me the mode and method of communication and verification you received from the furnisher. 

Truly, 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 2025-02-03 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the 15 U.S.C. 1681 aka the Fair Credit Reporting Acts ( FCRA ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1. DEPT OF EDXXXX Reason for Dispute. This account doesn't belong to XXXX XXXX I never opening up a loan with up with DEPT OF ED/XXXX in XXXX REMOVE INCORRECT PERSONAL INFORMATION & UPDATE PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Pursuant to FCRA {$1600.00} under reinvestigation procedures, youre allowed you 30 days to complete this investigation, after which I authorize you to mail me my updated credit reports along with the investigation results, I am asking that your verify the account directly with the source of the information. If the account is verified, I will require that you provide me the mode and method of communication and verification you received from the furnisher. 

Truly, 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 2025-02-03 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the 15 U.S.C. 1681 aka the Fair Credit Reporting Acts ( FCRA ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1. DEPT OF ED/AIDVANTAGE Reason for Dispute. This account doesn't belong to XXXX XXXX I never opening up a loan with up with DEPT OF EDXXXX  in XXXX REMOVE INCORRECT PERSONAL INFORMATION & UPDATE PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Pursuant to FCRA {$1600.00} under reinvestigation procedures, youre allowed you 30 days to complete this investigation, after which I authorize you to mail me my updated credit reports along with the investigation results, I am asking that your verify the account directly with the source of the information. If the account is verified, I will require that you provide me the mode and method of communication and verification you received from the furnisher. 

Truly, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: Experian Information Solutions Inc.
State: GA

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has committed multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). First, the reinserted XXXX XXXX XXXX accounts ( Account number : XXXX and XXXX ) were added to my credit report without providing the required notice under 15 USC 1681i ( a ) ( 5 ) ( B ). The FCRA clearly mandates that if a previously deleted item is reinserted, the consumer must be notified within five business days. Equifax failed to meet this requirement, constituting a direct violation of federal law. 

Second, these disputed accounts do not appear on my credit reports with XXXX and XXXX, raising serious concerns about the accuracy and reliability of XXXX reporting. Under 15 USC 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy when reporting credit information. The fact that these accounts are reported inconsistently compared to other bureaus demonstrates a clear failure to meet this legal obligation and undermines the credibility of XXXX data. 

Furthermore, these violations may reflect willful noncompliance under 15 USC 1681n, which holds credit reporting agencies liable for knowingly breaching the FCRA. The lack of proper reinsertion notification, combined with inaccurate and inconsistent reporting, highlights gross negligence in XXXX adherence to federal regulations. These actions have negatively impacted my credit and violated my right to fair and accurate reporting. 

I demand immediate corrective action to rectify these violations, including the permanent removal of the accounts and a full investigation into XXXX failure to comply with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 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 explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
Newrez Mortgage force-placed condo hazard insurance after we had provided proof of hazard coverage as indicated on a Certificate of Insurance obtained through XXXX  on XX/XX/XXXX to the online website ( XXXX ) that Newrez provided to us via letter dated XX/XX/XXXX. After document submission we were informed our account would be updated. Newrez noted the condo hazard insurance and began to list the policy under the Taxes and Insurance tab on our online account. However, we received two more letters stating that no proof had been received and on a letter dated XX/XX/XXXX advised us of the l-p insurance and effected monthly charges for coverage beginning XX/XX/XXXX to last until XX/XX/XXXX. On XX/XX/XXXX I inquired through our online account portal why we were being charged for the hazard coverage. I received a totally irrelevant response stating that our loan was owned by Newrez and the requested information from my inquiry would be provided as soon as possible. We have received no additional information. 

Additionally, we had this problem with them in XXXX and after multiple submissions of proof from our condo association insurance broker ( XXXX XXXX on behalf of XXXX XXXX XXXX XXXX ) and three unanswered phone calls from me they removed the f-p insurance. 

We didnt choose this mortgage company ( sold to Newrez ) by our previous mortgage company. This current company has caused us much consternation and we would never recommend them to anyone searching for a mortgage. 

I am including supporting documentation.

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 2025-02-03 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: Merchants Acceptance Corp
State: WA

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX - XXXX - {$620.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: FL

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXXXXXX XXXX XXXX XXXX - {$0.00} XXXXXXXX XXXX  - XXXX - {$0.00} XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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