vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Immediate clarification : since trying to resolve this issue for almost 2 years, I now no longer have access to my account with Bank of America or my exact statements. I can definitely go to a physical branch to try to receive printouts of these statements but at present I am estimating the numbers because I do not have the exact charges. In XXXXXXXX XXXX XXXX I had a random fraudulent charge of around {$30.00} from adobe online services. I resolved this issue with a customer service agent, they removed the charge and then sent me a new credit card in the mail. I live in an apartment building in XXXX and had just recently moved in, but soon found out there were issues with package theft and building security. I had not checked my bank statements for about a week and when I did, I saw that my credit card ( of which I did not have a physical copy at the time ) was charged with around {$800.00} of charges. There were XXXX XXXXXXXX gas bills ( I do not own a car ), massive charges for fast food restaurants and grocery stores that were not in my neighborhood at all and regardless of the location, charges I did not purchase. Someone stole my credit card from the mail and put charges on it. I had been a customer of Bank of America since I was a child, over 10 years. The second I saw the charges I called the company, froze my card, and did all the steps to resolve the issue. I was extremely extremely disappointed to find that they did not do anything to help me resolve the issue, I had called over 15 times, had to explain the story to a different agent every time, with XXXX help to resolve this issue. They just kept saying they would review it again, and sent me to managers that ensured the issue would be resolved eventually. I had over {$800.00} of credit card fraud charged on my account and nothing was done about it. In addition, they continued to charge interest, nonpayment fees even though I explained again and again that I would not be paying this, because I did not make these charges, and that at the very least they should pause the fees and interest. It is now almost 2 years later, my credit score is completely ruined, and a bill of {$1200.00} was sent to collections because of all the added fees and interest. I am aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I need a functioning credit score in order to get XXXX XXXX XXXX XXXX XXXX XXXX completely by myself. I am completely baffled at the way this situation was handled, and I refuse to pay $ XXXX charge that I did not purchase. There should be protections for situations like this and I am just at a complete loss of what to do. Please help.

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 monetary relief
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
I have been alerted and it has been confirmed that my consumer report has been affected by the XXXX data breach and because of that accounts have been created against my will. I am submitting document for the expungement of the information disclosed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am making this request pursuant to the FCRA guidelines ( 605b 15 usc 1681c 2 ) that you have 4 days to block the listed fraudulent items from my report upon receipt of this submission. This fraudulent activity consists of credit card account XXXX  acct number XXXX opened XX/XX/XXXX reporting twice, fraudulent credit card account XXXX acct number XXXX opened XX/XX/XXXX, fraudulent credit card account XXXX acct number XXXX opened XX/XX/XXXX, fraudulent credit card account XXXX XXXX  acct number XXXX opened XX/XX/XXXX, fraudulent credit card account XXXX XXXX acct number XXXX opened XX/XX/XXXX, fraudulent auto loan account XXXX XXXX acct number XXXX opened XX/XX/XXXX, These accounts have resulted in the damage of my FICO credibility to obtain credit. This IS NOT a request for verification. I request for the immediate block and expungement under guidelines ( 605b 15 usc 1681c 2 ) upon this notification and that receipt of this demand be sent to my personal email XXXX Due to the constant malicious breach of my personal identity, i will be using the government agencies CFPB and the FTC affidavits attached as verification of identity because a copy of my drivers license was part of the data breach. I do not wish to have comments and or fraud alerts added to my account as they discourage creditors from extending credit

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-22 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Credit Report Dispute Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Dear Sir/Madam, I am writing to formally dispute inaccurate information found in my credit report issued by XXXX, XXXX, and TransUnion. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am exercising my rights to dispute and request verification of inaccurate, incomplete, or unverifiable information in my credit report. I hereby demand that these errors be investigated and corrected immediately. 

Upon reviewing my credit reports from the XXXX major credit bureaus, I have identified the following discrepancies : Personal Information : My address is reported inconsistently ( e.g., XXXX vs. XXXX ). As per FCRA 611 ( a ), I request an immediate correction to reflect my accurate address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My employer information is inconsistent ; XXXX lists " XXXX, '' which is not present on other reports. Under FCRA 605 ( a ), I request this data be verified and corrected if found inaccurate. 
Account Information Discrepancies : XXXX XXXX XXXX ( Account Number : XXXX ) : Late payment reports differ across bureaus. My records show timely payments. Under FCRA 609, I request verification and removal of any inaccurate late payment entries. 
XXXX XXXX XXXX XXXX ( Account Number : XXXX ) : Various late payment counts are reported inconsistently. Under FCRA 623, I request an investigation and correction. 

Credit Account Balances and Limits : XXXX reports a loan debt of {$7500.00}, which is absent from my TransUnion report. Under FCRA 607 ( b ), please investigate and correct any discrepancies.

Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), you are required to complete your investigation within 30 days and provide me with a written statement of the outcome. If the investigation determines the information to be inaccurate, please remove or correct the errors and provide me with an updated report. If verification can not be completed, I request the immediate removal of the disputed items from my report in accordance with FCRA 611 ( a ) ( 5 ).

Please consider this letter as my formal dispute and request for re-investigation. Failure to comply with my requests may result in further actions to protect my consumer rights under federal law. 

Sincerely, 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 2025-01-22 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: TX

Complaint narrative:
I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following accounts. Please investigate these fraudulent accounts and mail me an updated credit report. These accounts are FRADULENT. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

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 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 2025-01-22 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: MS

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-01-22 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: FL

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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

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 2025-01-22 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: VA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Contact the credit burees to have them to dispute the removal of the account because the information was fraudulent. I ask them how was my information verified the didnt give me the proper on verification

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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I request your assistance in investigating accounts reported by companies that have inaccurately listed late payments. After checking my credit report, I found certain accounts showing late payment remarks, which should not be there. These accounts should reflect no late payments.

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 2025-01-22 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to request and investigation of the following inquiries, I have NEVERED opened or used the inquiries listed below Im requesting the following information to be deleted from my consumer report immediately I attached a copy of my report to this request Inquires to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are fraudulent and unverifiable, and your continued failure to remove them constitutes a blatant violation of FCRA 605 ( b ). Your inaction exposes XXXX to liability for both willful and negligent noncompliance under 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
Ive reached the point of sheer frustration with the persistent inaccuracies on my report. These errors are more than a nuisancetheyre lowering my score, damaging my credibility, and limiting my future. Its exhausting to keep dealing with the same mistakes over and over.

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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am writing to file a compliant against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having the sufficient funds available when transactions were authorize. I was then charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My paypal account was linked with my business banking account and a personal account. I was woken up in the middle of the night from a slew of fraudulent transactions. My password and account information was changed,. I was still ale to log in on my app. I noticed a large amount drawn out of my linked account and deposited into paypal and also transactions to purchase Crypto. I did not authorize any of these charges while my account was hacked. I was able to lock it down but not entirely. I was not able to contact customer support because it was in the middle of the night. I was unable to fully secure my account until business hours opened. I put a dispute in for all the charges. Some crypto was sent out. Before any of this happened my account balance was on the positive side. My dispute was put in. Slowly the funds were reversing. I had a positive balance on the account. I also put a dispute in with the other linked accounts for fraudulent activity. This was with XXXX and XXXX. I am still waiting for these disputes to finish. I have been locked out of my paypal account countless times since this happened. I was just contacted about a debt owed on my account with a negative balance. I do not owe any balance and Paypal is not trying to extort m ore funds from me without completing a proper investigation or accounting. I have demanded the W9 and also a full accounting on the account. I also requested a cease and desist on all phone call collection activity until a full accounting has been conducted. I was informed this must be done in writing through the account which I am locked out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have a XXXX  account I disputed several accounts that it says I owe I asked for original contracts that I signed for the debt, They were then removed from XXXX report and XXXX report but they were never updated on XXXX. I noticed a few have been added back to the XXXX report with different dates and on the XXXX report they have all been added back with this years date on them. the finding says my address was verified. I never received what the documents to show I owe these companies this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent in a dispute to the Equifax and didn't receive a response on the items that were being disputed.

Company response to consumer: Closed with non-monetary relief