vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX and XXXX will not remove collections that don't belong to me and i have disputed them several times there are several collections that stay remaining on my report even a collections that is over XXXX XXXX XXXX that hasn't been removed

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX and experian will not remove collections that don't belong to me and i have disputed them several times there are several collections that stay remaining on my report even a collections that is over XXXX XXXX XXXX that hasn't been removed

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 — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I was notified that my Merrill XXXX accounts were successfully opened. By XX/XX/year>, I deposited more than {$400000.00} into each of the two accounts. According to the terms of a bonus offer, maintaining {$200000.00} in each account for 90 days would qualify me for a {$1000.00} bonus per account. 

Due to a home purchase in XX/XX/scrub>XXXX XXXX I adjusted the balances in each account but ensured that both remained above {$100000.00}. Based on the offers terms, I should have qualified for at least XXXX XXXXXXXX {$500.00} in rewards per account. 

However, Merrill only credited {$200.00} in one account and claimed my balances dropped below {$100000.00}, which is incorrect. My account records clearly show the balances never fell below {$100000.00} during the period. 

I repeatedly contacted Merrill via email, phone, and online chat to resolve this issue but received unsatisfactory responses. Despite providing proof of account balances and escalations to managers, the issue remains unresolved. The time and effort I have spent dealing with this situation have caused significant frustration. 

I am requesting immediate clarification of the bonus terms and full compensation of {$500.00} per account. Additionally, I seek compensation for the poor customer service experience caused by Merrills inaction and misinformation.

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: SC

Complaint narrative:
I am a victim of the XXXX data Breech and noticed some fraudulent activity on my credit report that I did not authorize. Please remove immediately make personal to 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 2025-01-22 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: SC

Complaint narrative:
I am a victim of the Equifax data Breech and noticed some fraudulent activity on my credit report that I did not authorize. Please remove immediately make personal to you

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. ''

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: EQUIFAX, INC.
State: GA

Complaint narrative:
" I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. ''

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been identified as a victim of XXXX XXXX I have provided all requested information per the 605C FCRA laws. I am receiving services as a XXXX  from a Non-Governmental Organization.

I sent all the requested documents stated in the law -Self Attestation -Victim Determination Letter -List of accounts to be removed The above listed documents have been sent to several CRA 's ( XXXX, XXXX XXXX, XXXX XXXX XXXX etc ) and per the XXXX05C all the items were removed.

It is unclear why Equifax refuses to remove the same information though Equifax is required by law to adhere to the 605C just as the other CRA 's have.

It has been several months with no resolution and when I call for details on what the issue is ; Equifax refuses to be clear n advising me what they actually need to complete to process.

I am a XXXX that is suffering financially based on the abuse I endured, this law was enacted to help people in my position. It is therefore unlawful that Equifax is not following the law per the 605C. 

I need these items removed asap so I can get out of XXXX XXXX and move forward in rebuilding my life. 

Please help I am a mother and a XXXX that does not deserve to be further victimized!!

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been identified as a victim of XXXX XXXX. I have provided all requested information per the 605C FCRA laws. I am receiving services as a XXXX  from a Non-Governmental Organization. 

I sent all the requested documents stated in the law -Self Attestation -Victim Determination Letter -List of accounts to be removed The above listed documents have been sent to several CRA 's ( XXXX, XXXX XXXX, XXXX XXXX XXXX etc ) and per the 605C all the items were removed.

It is unclear why Equifax refuses to remove the same information though Equifax is required by law to adhere to the 605C just as the other CRA 's have.

It has been several months with no resolution and when I call for details on what the issue is ; Equifax refuses to be clear n advising me what they actually need to complete to process.

I am a XXXX  that is suffering financially based on the abuse I endured, this law was enacted to help people in my position. It is therefore unlawful that Equifax is not following the law per the 605C. 

I need these items removed asap so I can get out of XXXX XXXX and move forward in rebuilding my life. 

Please help I am a mother and a XXXX that does not deserve to be further victimized!!

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm filing a complaint against equifax for failing to properly investigate my disputes regarding inaccurate information on my credit report. Despite my numerous submissions equifax consistently responds in 24hrs stating the account is accurate without providing any evidence that the account is accurate.without providing a thorough investigation. This violates the fair credit reporting act ( FCRA ) 15 U.S.C. 1681i, which mandated a reasonable investigation of disputes. Furthermore eqifax may also contravene the consumer financial protection act ( CFPA ), 12, U.S.C. 5536 ( a ), ( 1 ), ( A ) - ( B ), as highlighted in the ( CFPBs ) recent administrative proceedings ( file number XXXX ) against them for similar violations. I request that the ( CFPB ) take action to ensure equifax complies with the federal laws and provide consumers with the necessary proof of investigation. 
I request the following the following reported accounts removed : XX/XX/XXXX XXXX XXXX {$560.00} disputed XX/XX/XXXX XXXX XXXX  {$450.00} disputed XX/XX/XXXX XXXX XXXX  XXXX {$160.00} disputed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: OH

Complaint narrative:
I received a {$200.00} Visa gift card as a XXXX present. The card was purchased on XX/XX/XXXX. I think the first time I tried to use it at a gas station, the transaction was declined. I assumed it was a temporary issue and did not use the card again until XX/XX/XXXX. At that time, I tried to pay at XXXX but was told there were insufficient funds. 

When I checked the cards balance online, I discovered multiple unauthorized transactions that I never made or approved, including charges from XXXX and XXXX XXXX These transactions depleted the balance, leaving only a small amount remaining. 
For the past two days, I have tried calling the Visa gift card issuers customer service line to dispute these charges. Their automated system requires me to enter a zip code, but it will not accept my home zip code, the zip code where the card was purchased, or my father-in-laws zip code ( he bought the gift card ). Each time, the call disconnects without letting me speak to a representative. 

As a result, I am unable to dispute the fraudulent charges or request a refund.

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: EQUIFAX, 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 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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX and experian will not remove collections that don't belong to me and i have disputed them several times there are several collections that stay remaining on my report even a collections that is over 8 years old that hasn't been removed

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: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I contacted Citi Bank to request lowering the conditions of my interest rate. 

It had been stated to me by the Representative that my Standard Rate was approved at 7.5 % apr and I was being charged XXXX and the rate could not be lowered. 

That is 21.99 % higher I am being charged interest. 

This is unheard of. I would never do this to a customer/ consumer while in the Finance Business.

There is no doubt this is gouging.and many others are experiencing the same. 

This needs to be rectafied asap.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX ACCOUNT NUMBER XXXX AMOUNT XXXX THIS ACCOUNT WAS OPEN BY FRAUD I HAVE GIVEN THE POLICE THE SUSPECT INFORMATION AND FILED A REPORT.

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: FL

Complaint narrative:
XXXX XXXX  ACCOUNT NUMBER XXXX AMOUNT XXXX THIS ACCOUNT WAS OPEN BY FRAUD I HAVE GIVEN THE POLICE THE SUSPECT INFORMATION AND FILED A REPORT.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cashapp frequently blocks people from sending or receiving money from individuals, mainly those who are sponsored. They simply don't know what constitutes as fraud/scams and sending money to a friend.

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: AR

Complaint narrative:
Transunion has failed to fulfill its leg obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX Accounts that are identify fraud on my experian report incorrect personal information and documents such as tfc complaint police reported have been uploaded on experian upload website and no resolution has been completed. It has been 3 months and fraud accounts are still on report. I get generic responses that offer me memberships to experian identity fraud service. When I call in to get fraud department my calls are transferred XXXX and 4 times to get to a fraud department that does not exist because call disconnects. This is daily. 




Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed

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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), These account have resulted in several fraudulent collection appearing on my consumer XXXX credit report. I do not recognize the aforementioned account, collection as reported. The aforementioned account, collection, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collection, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collection, are the result of identity theft and fraud.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XX/XX/year> I am writing to formally dispute certain information that has been reported on my credit file under the provisions of the Fair Credit Reporting Act, specifically 1

5 U.S.C. 1681. It has come to my attention that certain data has been reported by your agency without my explicit written consent to either furnish or obtain my personal information. Pursuant to 15 U.S.C. 1681b, a consumer reporting agency is prohibited from furnishing information about me without my written consent, unless a permissible purpose exists under the law. Furthermore, I have not given any authorization or consent for the reporting or inquiry of my information by the parties involved. I respectfully request that you conduct a thorough investigation to verify the accuracy of the information and ensure it has been reported in compliance with federal law.

In light of this, I am requesting that you immediately : 1. Investigate the validity of the reported information in accordance with 15 U.S.C. 1681i.

2. Provide evidence of my written consent for the disclosure or inquiry of my credit information.

3. Remove any unauthorized inquiries or accounts from my credit report. 
Please note that if you can not provide proper documentation or proof of consent, I expect the information to be removed from my credit file promptly, in accordance with the Fair Credit Reporting Act. 
I would appreciate your written response within 30 days, as required by law. Should you need any additional information to process my dispute, please do not hesitate to contact me. 
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