vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing this complaint regarding an inaccurate items on my credit report that continues to NEGATIVELY impact my credit score. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved. I request immediate investigation and removal of these inquiries as it is incorrect and does not reflect my true credit history. I did not verify nor authorize these inquiries and Im a victim of identity theft. I have filed this with the identitytheft.gov and I will attach the documents. 

Below are the unverified and unauthorized inquiries and must 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am submitting this formal complaint regarding Bank of Americas failure to work with my bank, XXXX XXXX XXXX, to reverse fraudulent transactions made to XXXX XXXX XXXX  in connection with a scam perpetrated by XXXX XXXX XXXX XXXX. These transactions were unauthorized and resulted in significant financial losses. These transactions are attached. I have also filed police reports with the XXXX XXXX Police and New York Authorities. Attached. 

Despite multiple requests and communications from XXXX XXXX XXXX XXXX Bank of America has failed to take appropriate action to recover the funds or provide assistance in investigating the fraudulent nature of these transactions. As a financial institution, Bank of America has a duty to comply with fraud prevention standards and collaborate with other banks to ensure the protection of consumer funds. 

What I Am Seeking as a Resolution : Immediate cooperation with XXXX XXXX XXXX to initiate a reversal request for all fraudulent transactions to XXXX XXXX XXXX. 

A detailed explanation as to why Bank of America has refused to engage in this matter, despite clear indications of fraud. 

A full investigation and report on the fraudulent transactions, including any internal findings related to XXXX XXXX XXXX XXXX. 

Immediate escalation of this case to the appropriate fraud and compliance teams within Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As of XX/XX/year> I was notified thru CFPB Transunion deleted the inaccurate account from XXXX XXXX XXXX, which I verified personally by obtaining an updated copy of my Transunion report and it was indeed deleted. But today I received an email alert from XXXX XXXX that I had a new collection via Transunion and it was from XXXX XXXX XXXX again, the account that was just deleted but is now back on my Transunion report that also has never been proven to be a valid debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: NY

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : Dispute of Incorrect Late Payment Report Application of CARES Act Protections Dear CFPB Representative. 

I am writing to formally dispute an incorrect late payment report on my credit history, recorded as 30 days past due in XX/XX/XXXX by XXXX This negative mark has significantly impacted my credit score, and I believe it was erroneously reported under the provisions of the **CARES Act**. 

During the XXXX pandemic, I reached a payment accommodation agreement with XXXX XXXX due to financial hardship. According to Section 4021 of the **CARES Act**, if a consumer was current on their account before entering a forbearance, deferment, or other accommodation, the account should continue to be reported as current, provided the agreed-upon terms were met. My account was current before requesting and receiving this accommodation.

However, my credit report reflects a XXXX-day late payment in XX/XX/XXXX, despite my compliance with the agreed accommodation terms. I have attached supporting documentation, including my agreement with XXXX and relevant payment records, to demonstrate that my account should have been reported as current. 

I kindly request the following corrective actions : 1. **Investigation and Removal of the Late Payment** Please review my case and instruct XXXX  to correct the inaccurate reporting. 
2. **Updated Credit Report** Once the correction has been made, I request an updated credit report reflecting the accurate information.

I appreciate your prompt attention to this matter, as this incorrect report is negatively affecting my financial standing. Please confirm receipt of this dispute and provide me with updates on the investigation process. If you require additional documentation or information, do not hesitate to contact me at XXXX or XXXX. 

Thank you for your time and assistance. 

Sincerely XXXX XXXX  XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MN

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting this complaint regarding a billing dispute with CHASE. Despite multiple attempts to resolve the matter directly with the bank, my concerns remain unresolved. 
I am asking for a refund of the {$250.00} security deposit charged by XXXX on XX/XX/year>, for an alleged unreturned key. I accidentally took the key with me on the day of return. Called XXXX  from the airport who said, no worries.. just mail it to us when you get home. I did and have registered receipt they received it. They have not refused the {$250.00} deposit. 
Regrettably, I have tried to contact XXXX at least a XXXX  times to resolve this issue, but they have not responded to my phone calls or emails after the initial contact. This lack of responsiveness led me to escalate the matter to Chase for assistance. 
Unfortunately, I have spent hours on the phone with Chase representatives, explaining my situation repeatedly. Each time, I am assured that they understand my case, the solution is obvious, and that it will be resolved as soon as it is escalated. However, when the matter is escalated, I receive an automated rejection message with reasons that have no bearing on the actual dispute. 
Under the Fair Credit Billing Act ( FCBA ), consumers have the right to dispute unauthorized charges, and creditors are required to investigate and provide a timely resolution. XXXX XXXX 's failure to address my concerns appears to be non-compliant with this regulation. I complained, I documented the complaint multiple times, and XXXX  XXXX gave me the excuse that I did not document my claim. They obviously did not read the documentation and did not take the time to investigate. They were very timely in their denial but I believe this is because they did not investigate as required. 
I am requesting that CHASE reverse the unauthorized charge of {$250.00} to my Chase Reserve card, and provide written confirmation of the resolution. 
I have attached copies of my receipts and correspondence with XXXX XXXX. 
I appreciate your time and assistance in investigating this matter. Please let me know if additional information is needed to support my complaint. 
Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-12 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:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 
THESE ACCOUNTS HAVE BEEN REMOVED AND NEED TO BE REMOVED FROM THE BUREAUS I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 
THESE ACCOUNTS HAVE BEEN REMOVED AND NEED TO BE REMOVED FROM THE BUREAUS I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IA

Complaint narrative:
At about XXXX on XX/XX/2025 my checking accounts got hacked. I bank at US Bank. I called the bank when I woke up at XXXX to let them know I could not access any accounts. They said that my accounts got hacked. They even changed my personal information. US Bank did not tell me that but they asked if my email was a certain email, and it was not that email. So I know that the person who hacked in changed my information. I had no access to any money as over {$5000.00} was sent to mostly XXXX and an online cripto currency. I went into a branch to get more help on XXXX XXXX in XXXX Iowa and the teller said, and I quote, " we are too busy to help you today. '' I said I would go somewhere else and he said ok. He did not care to help me and I told him my bank accounts got hacked. I left there and tried to go to the other US Bank in XXXX. I called them. Told them my situation and they put me on hold for a long time and never came back. I decided that it was best to open accounts at a different/local bank. That is what I did. I got a call from the fraud department at US Bank that day and they said if I continue to have this happen to my accounts they can't let me have accounts there anymore. I was so confused because this has never happened to me before. They were treating me like I had done something wrong. When the attacker broker into US BANK! I talked to another person in my area that got hacked at US Bank with XXXX as well the same week. I am wanting to know if this is what happened and US Bank failed to disclose this situation. I am worried that my account information has been leaked. This has been the biggest nightmare as I have had several payments declined because my accounts are frozen and I have several {$30.00} late payment fees. I am still working on this. I just don't think this whole thing is right and I don't believe I have been treated fairly when I am the one that is the victim. My daughter, XXXX XXXX is also tied to my accounts and she has the same issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Credit Karma, LLC
State: TN

Complaint narrative:
On XX/XX/year> I went on to Credit Karma 's website to see if there we any options available to lower my monthly credit card bills and/or car loan. I went to the auto refinancing page and completed the requested car profile, credit profile, and entered my annual income. After this, I was presented with multiple offer for refinancing my vehicle. I determined that the loan for autopay was the best option for me and pressed the take offer button thinking I had already been pre-approved for this loan due to the information I had already submitted. The offer was for around a % XXXX  monthly payment and between 5 and 6 percent interest rate. I proceeded with filing out autopay 's requested information and consented to a hard credit check thinking that I had already been preapproved. After submitting multiple different documents, I was told that my application had been approved and a loan officer would be in contact with me. I then gave more information to the loan officer and was then and only then told that the age of my car might be an issue. I was very confused by this concering the age of my vehicle considering I had already given all of my vehicles information and agreed to continue with the application because they had already been provided with this information from Credit Karma before running a hard credit check. Shortly after the conversation with the loan officer, I received an email saying that " Were sorry to hear you have chosen not to follow through with your loan application. This is untrue. I never told anyone that I was not going to follow through with the loan application. Had it been made clear to me that the offer presented was never a true option because of my cars age/mileage, I never would have consented to a hard credit check which further hurt my credit. I have also had the same issue in the past with credit karma 's debt consolidation loans with unrealistic loan offers that also hurt my credit. I am working hard to improve my credit and find a way out of the credit card hole that so many find themselves in. It is unfair for companies like Credit Karma and Autopay can continue hurt consumers who are already struggling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: OH

Complaint narrative:
There are XXXX accounts listed on my credit report that i never opened. On the date of XX/XX/XXXX a " XXXX '' credit card account was opened with a {$5500.00} balance. On the date of XX/XX/XXXX a " XXXX '' account was opened with a current balance of {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: OH

Complaint narrative:
There are XXXX accounts listed on my credit report that i never opened. On the date of XX/XX/XXXX a " XXXX '' credit card account was opened with a {$5500.00} balance. On the date of XX/XX/XXXX a " XXXX '' account was opened with a current balance of {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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 was not using XXXX  XXXX in XXXX. I am with XXXX XXXX and been with them since I moved in XXXX. I paid my final bill with XXXX  XXXX in XXXX Contact info Name XXXX XXXX XXXX XXXX  Address XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$330.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX XXXX I been reporting this is not mine Account info Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$900.00} Highest balance {$1200.00} Terms - On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: NV

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 non-monetary relief
Consumer complaint received 2025-02-12 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: IN

Complaint narrative:
I am submitting this complaint regarding unauthorized credit inquiries that have appeared on my transuion credit report. These inquiries were made by companies with which I have no business relationship, no prior dealings, and for which I did not provide consent. 
According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a company must have a permissible purpose before accessing my credit report. Inquiries made without my authorization violate my consumer rights and negatively impact my credit score. 

Since I never applied for credit, loans, or services with the listed companies, these inquiries are unlawful and unauthorized. 

XXXX. XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation