vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On Tuesday, XX/XX/XXXX, I received a call from the Bank of America fraud department. The phone number they called from was XXXX. The person on the phone informed me that there was suspicious activity on my account. They stated that someone had attempted to withdraw {$33000.00} from my account. 
The caller then told me they would create a new account to secure my funds and instructed me to/., to a business account. The caller provided me with the name and account number of the XXXX account they had supposedly created, instructing me to transfer the {$33000.00} to this new account. The details they gave me were : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Following their instructions, I went to the bank and completed the transfer. The caller remained on the line with me throughout the transaction. They assured me that an investigation would be conducted and that my online banking access would be restricted until it was complete. They also provided me with a case number ( XXXX ) and a reference number ( XXXX ). 
Later that afternoon, they called back and told me they would update me the next day. On Wednesday, they informed me that the perpetrators had been apprehended and that charges would be pressed on my behalf. They also said I would receive an email with further details once the investigation was complete to include the perpetrators names and a detailed report of the charges.. 
That evening, at XXXX XXXX  they called again and said they would provide me with a new online ID at XXXX XXXX on Thursday. However, they never called back. When I attempted to call the number, it connected me to what I thought was Bank of America Small Business Services. I explained the situation, and they transferred me to the fraud department, but the call kept getting disconnected. 
I waited all day without hearing back. Friday, I called another number for Bank of America online and finally reached the actual fraud department. To my surprise, the representative at Bank of America had no record of the case or any of the information I had been given. They then advised me to go to the branch immediately to file a claim, which I did. 
The bank informed me that they were opening an official investigation Friday but did not provide a timeline for when I might receive my money back. 
Monday morning I called again and was instructed to email any evidence I may have which I did. Wednesday they emialed a denied letter. I called the bank and requested the names of all emploees I spoke to but they only provided me 3. I spoke to at least 7 people in the last week plus the bank employees in the bank.

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 2025-03-20 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 submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the failure of the credit bureausEquifax, Experian, and TransUnionto remove unauthorized credit inquiries from my credit report. As a victim of identity theft, I recently reviewed my credit report and identified three hard inquiries that I did not authorize. These fraudulent inquiries are harming my ability to obtain new credit, and despite my efforts to address this issue, the credit bureaus have not corrected my report. 

On XX/XX/year>, I filed an Identity Theft Report with the Federal Trade Commission ( FTC Report Number : XXXX ), documenting this crime. The unauthorized inquiries I am disputing are as follows : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> I am writing to request the immediate removal of these unapproved inquiries from my credit reports maintained by Equifax, Experian, and TransUnion. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate and remove inaccurate or fraudulent information within 30 days of a dispute. These inquiries are clearly fraudulent, as evidenced by my FTC Identity Theft Report, yet they remain on my report, causing ongoing damage to my creditworthiness. 

I urge the CFPB to investigate the credit bureaus handling of this matter and ensure they comply with their legal obligations to correct my credit report. I request that these inquiries be removed within 30 days and that I receive an updated copy of my credit report from each bureau once the corrections are made.

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 2025-03-20 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX ( XX/XX/XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian Credit bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
Subject : FCRA Violations Inaccurate Late Payments & Illegal Charge-Off Reporting To Whom It May Concern, I am filing this complaint against Equifax for multiple Fair Credit Reporting Act ( FCRA ) violations regarding inaccurate late payments and the illegal re-aging of charge-off accounts. 

Account # XXXX XXXX XXXX account ending XXXX ( Inaccurate Late Payments ) Equifax is reporting late payments on this account despite it being closed. 
If the account was closed in good standing, these late payments should not still be affecting my report. 
FCRA Violation : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ( creditors must report accurate information ). 

Account # 2 XXXX XXXX account ending XXXX ( ILLEGAL RE-AGING & BALANCE ERRORS ) Equifax is illegally updating this charge-off every month instead of reporting it once. 
If this account was sold, the balance must be updated to {$0.00}, but it still shows a balance. 
FCRA Violations : 15 U.S.C. 1681c ( a ) ( charge-offs can not be re-aged ). 
15 U.S.C. 1681s-2 ( a ) ( 4 ) ( if sold, balance must be updated to {$0.00} ). 

Account # 3 XXXX XXXX  account # XXXX ( Inaccurate Late Payment Reporting ) Equifax is reporting late payments while also stating Paid, Closed ; was Paid as Agreed. 
This contradiction creates an inaccuracy in my credit report. 
FCRA Violation : 15 U.S.C. 1681e ( b ) ( bureaus must ensure maximum possible accuracy ). 
Additionally, I was never properly notified before these late payments were added, violating 15 U.S.C. 1681s-2 ( a ) ( 7 ). 

FCRA VIOLATIONS COMMITTED BY EQUIFAX : Failure to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) Failure to properly reinvestigate disputes ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Failure to verify accuracy of negative reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ) Illegal re-aging of charge-offs ( 15 U.S.C. 1681c ( a ) ) Failure to update charge-off balance after sale ( 15 U.S.C. 1681s-2 ( a ) ( 4 ) ) Requested Resolution : 1. ) IMMEDIATE deletion of inaccurate late payments on XXXX XXXX XXXX XXXX XXXX. 
2. ) IMMEDIATE deletion of the XXXX XXXX charge-off due to illegal re-aging. 
3. ) A formal written response confirming correction of these inaccuracies.

4. ) If Equifax fails to comply, I will escalate this matter legally and pursue statutory damages of {$1000.00} per violation under 15 U.S.C. 1681n.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I did make a deposit of four checks on Friday XX/XX/XXXX and Chase bank put on hold two of the checks I called on Monday XXXX and they said the other bank didnt release funds yet, I called back on Wednesday XXXX and first person said they couldnt release funds because the other bank, I called the company that gave me the checks and they corroborated with they bank that funds were released already I called again same day Wednesday XXXX and second person supposed call the other institution and she said everything is correct funds will be released in 30 minutes today Thursday XXXX funds still on hold

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-20 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
When we first got the mortgage through Mr. Cooper or AKA Nation Star Mortgage, we were under the impression that we had insurance with XXXX XXXX XXXX we several months later we received a refund check from them stating that they could not insure us for some reason. Then our mortgage company placed forced insurance on our account for the past months and going forward in the amount of XXXX XXXXXXXX we got our own insurance in XXXX through XXXX XXXX and they sent their information to the mortgage comopany with no response. I then uploaded it on their website 5 different times becuase it says that they will get in touch with you or let you know in XXXXXXXX XXXX  of the upload. I can NEVER get ahold of a real person. I tried their " Live chat '' which is definately not a live chat very generic answers. Always telling me to upload the information to the website. I go to my account to see if there are any alerts or messages and it is as if I never uploaded the information. My insurance has done the same thing. I don't know how to get this resolved but we are paying {$1000.00} a month for forced placed insurance and our insurance with State farm is {$410.00}. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
Affirm freeze my account after depositing large amount of money, around XXXXXXXX XXXX  for absolutely no reason. I have contacted them but they are not helpful and keep giving me the same answer and no resolution!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: MS

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( 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 reinvestigation 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 shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, 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 : Transunion XXXX XXXX XXXX, XXXX XX/XX/2023 XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Equifax Names that are not my name and I dont identify with that have been reported based off my family lineage but not my name please remove from my report. 

XXXX XXXX My name should appear on my credit report as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Experian Names that are not my name and I dont identify with that have been reported based off my family lineage but not my name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name should appear on my credit report as XXXX XXXX XXXX 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 XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V Gravens ( XXXX XXXX XXXX XXXX XXXX, I presume that no Proof of the alleged debt, nor therefore any such debt, in fact therefor 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 2025-03-20 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: MS

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( 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 reinvestigation 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 shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, 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 : Transunion XXXX XXXX XXXX, XXXX XX/XX/2023 XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Equifax Names that are not my name and I dont identify with that have been reported based off my family lineage but not my name please remove from my report. 

XXXX XXXX My name should appear on my credit report as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Experian Names that are not my name and I dont identify with that have been reported based off my family lineage but not my name. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name should appear on my credit report as XXXX XXXX XXXX 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 XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V Gravens ( XXXX XXXX XXXX XXXX XXXX, I presume that no Proof of the alleged debt, nor therefore any such debt, in fact therefor exist

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NC

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$26000.00} Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180000.00} Late/Open Inquiries in Dispute : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  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 explanation
Consumer complaint received 2025-03-20 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: GA

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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