vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: ME

Complaint narrative:
On XX/XX/year> my Key Bank checking account was debited from '' XXXX XXXXXXXX XXXX XXXX  '' in the amount of approx. {$3200.00}. This amount overdrew my account and I was notified that items were bouncing and I was being charged {$40.00} per transaction. 
I contacted Key Bank to dispute the debit from the account, as I do NOT have a XXXX XXXX XXXX. I have a loan with XXXX XXXX, but the {$3200.00} was not applied to that balance, as I only owe approx {$2000.00}. I contacted XXXX XXXX to confirm this payment taken from my Key Bank was not applied to my account. They confirmed that they did not take the money. 
Key Bank told me it would be approx. 10 days to dispute the charge and they would get back to me. XXXX weeks later, I still did not hear from them. I called the XXXX number and spoke with the dispute center, they told me the dispute was closed and valid. I questioned why I had not been contacted and I wanted to know the account number that XXXX XXXX was claiming was valid. I was told i could not get that information. I asked to speak to a supervisor, she told me that the case was still open, but I couldn 't get information, as that was in their " back office '' for disputes. She told me to go to my branch, which had closed 2 years ago, so she sent me to a brance and hour away from me.

I went to the branch, the manager told me that my account was still open, they would re-open the dispute and get back to me asap. Well over XXXX weeks later, I still heard nothing. I contacted the manager again, she asked that I provide information from XXXX XXXX stating that they did not take the funds out of my account. I sent screenshots and account statements that show my payments made, but none of them for the {$3200.00}. 
Mean while, I had to deposit {$4000.00} to cover the withdrawal of the {$3200.00}, plus the bank fees and a little extra in case other items came through on the account. It has been over a month since contacting the manager at the branch, I have emailed and asked for account information and not one person has contacted me. I logged onto my account to find that the account is now closed, noone informed me! On XXXX XXXX the account had a XXXX balance. I received a check in the mail for the balance that was in the account of {$2300.00}, but not until XXXX XXXX. 
I am furious that someone is allowed to debit my account and not have to provide account information to me, the owner of the account. I am currently out the {$3200.00} and noone at Key Bank seems to give a care! How do I get the information regarding XXXX XXXX, one would think they would have to provide information to Key Bank to validate the withdrawal! I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : XX/XX/year> Pentagon Federal Credit Union XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Request to Remove Inaccurate Charge-Off Reporting To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a charge-off associated with my account XXXX on my consumer credit report. I have evidence that this debt was transferred to another entity or trust and has not been transferred back to your institution. Specifically, the reporting file number associated with this transfer is XXXX. As such, Pentagon Federal Credit Union does not legally own this debt and can not collect on it. Reporting this charge-off as owed to your institution is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, creditors and furnishers of credit information are required to ensure that the information they report is accurate, complete, and not misleading. By continuing to report this charge-off inaccurately, you are failing to meet your legal obligations under the FCRA. 

I am formally requesting that you immediately : Remove this account and any associated negative information from all three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Cease any attempts to collect on this debt or misrepresent its ownership. 

If you fail to comply with this request, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Pursue legal action to have this information removed from my credit report.

Exercise my rights under the arbitration agreement linked to this debt. 

I have attached supporting documentation to this letter, including proof of the debt transfer, correspondence regarding this account, and a copy of my credit report highlighting the inaccurate information. Please confirm receipt of this letter and provide written confirmation of your actions to resolve this matter within 30 days. 

Failure to act promptly will leave me no choice but to escalate this matter. I trust that Pentagon Federal Credit Union will act in accordance with federal law to resolve this issue expediently. 

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 2025-01-02 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: FL

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
I am writing to formally request verification and supporting documentation for the information you have furnished to the credit reporting agencies regarding my account, numbered XXXX. Upon reviewing my credit reports, I have identified discrepancies and inaccuracies that require immediate investigation and resolution. These discrepancies are inconsistent with the Fair Credit Reporting Act ( FCRA ) requirements for accurate and fair reporting. 

Discrepancies Identified : Amount Owed : XXXX reports the balance as {$900.00}. 

XXXX reports the balance as {$890.00}. 

Discrepancy : {$10.00} difference. 

Date of First Delinquency : XXXX : XX/XX/year> XXXX : XX/XX/year> Discrepancy : XXXX variance. 

Date of Last Payment : XXXX : XX/XX/year> XXXX : XX/XX/year> Discrepancy : 1-day variance.

These differences call into question the accuracy and reliability of the information you are reporting to the credit bureaus.

Request for Verification : Pursuant to 15 USC 1681i, I request : Complete Documentation : Copies of all records, agreements, payment histories, and correspondence related to this account that verify the accuracy of the information reported to the credit bureaus. 

Proof of Ownership : Evidence that Convergent Outsourcing , Inc. has the right to collect on this account, including a chain of title showing the transfer of ownership. 

Details on Discrepancies : A detailed explanation of the discrepancies outlined above and how they were determined to be accurate during your reporting processes. 

Congressional Findings of the FCRA : The FCRA states that : " 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. '' It is essential that you provide the requested verification and documentation to ensure compliance with the FCRA and to maintain public confidence in the credit reporting process. 

Next Steps : Please provide the requested documents and verification within 30 days of receipt of this letter. If you are unable to verify the accuracy of the information, I request that you promptly notify all credit reporting agencies to delete this account from my credit file. 

Failure to comply with this request will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies for violations of the FCRA. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
There was an automobile purchased in my name using credit acceptance as there lender. When this was done it was done without my knowledge, nor my consent in XX/XX/XXXX. My credit report showed It being over XXXX currently. There are multiple inquiries on my credit report, adlease XXXX, which was done in XX/XX/XXXX and XX/XX/XXXX, that are not mine. When speaking to the creditors they provided me with the federal trade commission contact number and informed me that with my case this is the best thing to do for my situation. They said you would release the report to them in order for the creditors to proceed, move forward once you looked into things. They lead me to believe that after I made my complaint, you would send them a copy of the report. The federal trade commission referred me to the consumer finance. I do not drive and I informed this to the creditors and the credit acceptance lenders as well. I'm simply asking them to take the car out of my name as well as the {$20.00} balance, the funds there're saying I'm responsible for paying. I need the creditors to acknowledge their mistakes and clear my credit so that it will clear my name.

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 2025-01-01 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: MI

Complaint narrative:
There were multiple inquiries on my credit report for loans atleast XXXX, during the month 's of XX/XX/XXXX and XX/XX/XXXX, its not mine. Back in XXXX I seen on my credit report that a car was bought with a loan from XXXX XXXX lender in my name with a current balance of over {$20.00}, its not mine. 
The credit companies are not assisting me with removing these fraudulent inquiries on my credit report so I'm hoping that you will.

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 2025-01-01 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: KY

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report under FCRA 1681 ( c ) ( 2 ) To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report. This dispute is filed under the protections afforded by the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( c ) ( 2 ), which outlines my rights as a consumer to dispute inaccurate or incomplete information directly with the furnisher of the information and ensures that such disputes are properly investigated.

Additionally, I am invoking my rights under the following laws that further protect consumers from inaccurate credit reporting : 1. FCRA 1681 ( i ) : This section requires credit reporting agencies to conduct a reasonable investigation of any disputed information within 30 days of receiving a consumer 's dispute.

2. FCRA 1681 ( e ) : This section mandates that information reported about a consumer must be accurate and complete.

3. FCRA 1681 ( s ) : This section provides additional protections against identity theft, ensuring fraudulent accounts are removed promptly after proper verification.

4. The Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from reporting false or misleading information to credit reporting agencies.

Disputed Item Details : * Creditor/Furnisher Name : [ XXXX XXXX ] * Account Number : [ XXXX ] * Date of Reported Issue : [ XX/XX/2023 ] The following information is incorrect or incomplete for the following reasons 1- date opened doesnt match 2- date reported is incorrect 3- credit limit doesnt match I have attached the following documents as evidence to support my dispute : 1. A copy of my credit report highlighting the disputed item ( s ) Pursuant to the FCRA and the above-mentioned laws, I respectfully request the following actions : 1. Investigate the disputed information with the furnisher of the data.

2. Correct or delete the inaccurate information if the investigation confirms its inaccuracy.

3. Provide me with the results of the investigation and a corrected copy of my credit report.

4. If applicable, provide me with the name, address, and telephone number of the furnisher contacted during the investigation.

Please be advised that the FCRA mandates credit reporting agencies to complete investigations within 30 days of receiving a dispute. I expect a timely resolution to this matter.

Thank you for your immediate attention to this matter

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 2025-01-01 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:
I am writing to formally dispute several fraudulent inquiries on my credit report, which I believe were made without my authorization due to identity theft. I recently became aware of these inquiries while reviewing my credit report, and I am requesting their immediate removal to prevent further harm to my credit standing. 

The fraudulent inquiries in question 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 XXXX XXXX XXXXXX/XX/year> As these inquiries were made without my consent, they are a violation of the Fair Credit Reporting Act ( FCRA ), and I request that you take the following actions : Remove the listed fraudulent inquiries from my credit report. 
Provide written confirmation of their removal.

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 2025-01-01 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: VA

Complaint narrative:
the following address that is being reported to my credit report is fraudulent XXXX XXXX XXXX  XXXX XXXX Virginia XXXX my correct address is XXXX XXXX XXXX XXXX XXXX XXXX Virginia 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 2025-01-01 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:
Ive had enough. The accounts on my credit report that are still in pending litigation should not be there at all. I've reached out to you repeatedly, hoping this issue would be resolved, but each time, it feels like Im being ignored. Its extremely frustrating to deal with this error that's negatively affecting my credit score, especially when Ive done everything on my end to address it.

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 2025-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Americas Car-Mart, Inc.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX, i went to America 's car mart. In XXXX, Georgia, where I bought a XXXX XXXXXXXX XXXX XXXXXXXX love the car. It was great. I drove it exactly XXXX year almost the place did not tell me that it had a recall on it, something that would a knock and sensor that need to be replaced. Let me know about the engine knocking in the pistons and sludge and the pistons through in the engine. A week and a 1/2 later after that happened, they come and repossessed a car. It was a buy here pay here. Place, I was only a week and a half late on my payment. Also informed them about the recall and how I wanted the car to be took into the XXXX place so that the engine could be replaced under warranty. But instead, they repossessed a car and they took the car and had the engine replaced, and then sold the car. Never sat down with me to try to work. Anything out or fix anything? And then they've got it on my credit report. As repossession, but I do not believe that the amount that they have on. My credit report is right and accurate. It shouldn't even be on my credit report because they never offered me a XXXX or any information into that car 's background when I did ask them for it. They told me they did not have to disclose that information. 

But also, you too. And even no, after a week and a 1/2 being late on my payment before they took the car after that I lost my job but they wanted me to pay for the car when the car was in the shop if I couldn't work, I couldn't pay for the car but I knew I lost my. Job, despite all of that, five years on the job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IN

Complaint narrative:
I am writing to address a breach of promotional terms by US Bank concerning a missing {$800.00} business checking account bonus. 

On XX/XX/year>, I applied for a US Bank XXXXXXXX XXXX account under the promotional offer code XXXX. The account was approved and opened on XX/XX/year>. Per the explicit terms of the offer : The account must be opened between XX/XX/year> and XX/XX/year>. A deposit of {$30000.00} in new money must be made within 30 days of account opening. A minimum daily balance of {$30000.00} must then be maintained until the XXXX day after account opening. 

I fulfilled every stipulated requirement as follows : Initial Deposit : I made a deposit of {$30000.00} in new money on XX/XX/year>, well within the 30-day window. 

Balance Maintenance : The {$30000.00} daily balance requirement was through XX/XX/year>, which is 64 days after account opening. 

The promotional offer further specifies that the bonus will be deposited within 30 days after the end of the month in which all conditions are met. Given that all requirements were satisfied by XX/XX/XXXX, the {$800.00} bonus should have been credited by XX/XX/year>. To date, the bonus remains undelivered and US Bank has thus failed to comply with the account terms.

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 2025-01-01 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: PA

Complaint narrative:
I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX violated my consumer reports on XX/XX/year> & XX/XX/year> & XX/XX/year> & XX/XX/year> & XX/XX/year> without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )

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 2025-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I kindly ask for your consideration in removing late payment records from my account. I genuinely believe that this adjustment would not only represent my overall commitment to my financial obligations but also aid me in rebuilding my credit during this recovery period.

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