vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/year>, banker XXXX XXXX XXXX XXXX  ) called me ( on my request ) to confirm that they have a Business Checking offer of {$750.00} bonus for depositing {$20000.00}. So on XX/XX/year>, I went to a branch to meet bankers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to open a business checking account. XXXX showed me the requirements for the new business checking bonus offer on her laptop. I took partial pictures of those requirements from the laptop screen because she was hesitant to show me the entire offer ( now I know why ). I am attaching those pictures to this complaint. She told me that she is opening my new business checking offer with that offer. At the branch, I confirmed again if she was applying the promo code for the offer, and she said yes. However, after 2 weeks of opening the account, when I asked her to confirm whether my offer was still applied to my account, XXXX asked XXXX to provide the offer. Essentially, she is now saying that whatever she showed me on her laptop does not count and I need to provide a bonus offer ( after 2 weeks of account opening? ) Please see my emails with her where she says - " You previously emailed me about finding an offer online. I need the exact offer what you found. Please send me the online version you originally found. Not the one when you saw on meeting with me and XXXX. '' I don't understand why, at the time of opening the account, she led me to believe that she had a valid offer by showing me her laptop screen. Why she didn't ask me to provide an offer at the time of opening itself instead of asking for one after 2 weeks? 

I believe I am a victim of a classic bait and switch tactic. My Application confirmation number is 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 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXXinal Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following account. 1 Collection Account {$400.00} # 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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute on XXXX, XXXX XXXX XXXX due to this account not belonging to me. Experian refused to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting a house and car. Experian violates my rights as a consumer, as well as federal laws

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 2025-04-03 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-04-03 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed

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 2025-04-02 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:
EQUIFAX IS REPORTING A NEGATIVE ACCOUNT XXXX XXXX AS CLOSED ACCOUNT THIS ACOUNT AND BALANCE DO NOT BELOGN TO ME THIS IS A FRAUD IDENITY THEFT ACCOUNT AND THE FTC REPORT ATACHED AS WELL AS MANY OTHER REMOVAL DOCUETBS THIS ACCOUNT AND BLAANE DO NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: OK

Complaint narrative:
I am submitting this complaint with absolute certainty and growing frustration. My credit report contains numerous errors that I can no longer ignore, as they are severely affecting my financial stability and preventing me from moving forward. Even more concerning, I have reason to believe that some of this misinformation may be linked with my ongoing issues with fraudulent activity or identity theft. These inaccuracies and mix-up are not just frustratingthey are actively damaging my creditworthiness and making it impossible to achieve financial security.

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 2025-04-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am extremely upset that this account ( XXXXXXXX XXXX XXXX XXXX XXXX ) was reinserted into my Equifax credit report without any notice. This is a clear and serious violation of federal law. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), Equifax is required to send me a written notice within five business days if a previously deleted account is added back to my report. That did not happen. By failing to notify me, Equifax broke the law and took away my right to dispute wrong or inaccurate information. This is unacceptable and makes me feel like my rights dont matter. It shows carelessness and a complete lack of responsibility on your part. This kind of behavior is not just wrongit can also lead to legal consequences. The FCRA clearly states in Sections 1681n and 1681o that if a credit bureau breaks the law on purpose or through negligence, they can be held accountable in court. That includes paying for damages, legal costs, and more. Because of this, Ive been put at risk for damage to my credit, my finances, and my peace of mind. I trusted that my rights as a consumer would be protected, and instead, they were ignored. I demand that this account be removed from my credit report immediately. I also expect a full written explanation of why this reinsertion happened without proper notice.If this is not fixed right away, I will continue to pursue every legal option available to me. I have already filed a complaint with the Federal Trade Commission ( FTC ), and I am now asking the Consumer Financial Protection Bureau ( CFPB ) to step in and help resolve this serious issue. I take my rights seriouslyand I expect Equifax to do the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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 formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Late Close 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 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 2025-04-02 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: IL

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts I am not familiar with. I have asked the CRA 's for a validation of debt ; however, the information has not been provided. Due to my information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with.

Please find attached a copy of my ID, FTC complaint, copy of the NPD report showing my information being exposed in a national data breach, and a validation of debt letter.

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 2025-04-02 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:
I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I.C. SYSTEM, INC XXXX... 
{$190.00} Payment Status Credit Report Period XX/XX/year> Date of Last Payment Monthly payment Not available Statement balance Not available This account not its mine!

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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CARD Corporation
State: TX

Complaint narrative:
I signed up for online banking app in XX/XX/year> never received a card in the mail I had XXXX checks deposited on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX of 2025 I am not able to transfer my funds or access my balance the representatives aren't acknowledging the problem they keep saying it's not a problem and the company is cardXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FEDChex Recovery, LLC
State: DC

Complaint narrative:
In XXXX XXXX rented a vehicle through XXXX. After returning the car, the host claimed there was a XXXX smell and sent a photo of what appeared to be a burnt item in the door. I explained that no one smoked in the vehicle during my rental, and the object in the photo could easily be a piece of paper. The host then told me the cleaning fee would be {$69.00}, which I agreed to. I have a screenshot of this conversation. 

Later, I saw that a charge of {$270.00} was applied to my account without my agreement. I contacted XXXX XXXX, and an agent named XXXX reviewed my case, acknowledged the discrepancy, and stated it would be escalated to their billing team to be resolved. Despite this, the full {$270.00} was forwarded to a third-party collections agency without resolution. 

I was not given a fair opportunity to dispute the charge before it was escalated. Im requesting that the debt be recalled from collections and either removed entirely or adjusted to the {$69.00} that was originally quoted by the host.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: AZ

Complaint narrative:
Subject : Dispute Not Corrected Request for Investigation Dear Consumer Financial Protection Bureau, I am writing to formally request an investigation into a dispute I submitted regarding inaccurate information on my credit report. I previously filed a dispute providing supporting documentation to substantiate my claim. However, despite the allotted time for investigation, the incorrect information remains unchanged. 

I believe this inaccuracy is negatively impacting my credit profile, and I am requesting your assistance in ensuring the matter is properly reviewed and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). Please let me know the next steps in addressing this issue.

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 2025-04-02 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: AZ

Complaint narrative:
Subject : Dispute Not Corrected Request for Investigation Dear Consumer Financial Protection Bureau, I am writing to formally request an investigation into a dispute I submitted regarding inaccurate information on my credit report. I previously filed a dispute providing supporting documentation to substantiate my claim. However, despite the allotted time for investigation, the incorrect information remains unchanged. 

I believe this inaccuracy is negatively impacting my credit profile, and I am requesting your assistance in ensuring the matter is properly reviewed and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). Please let me know the next steps in addressing this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-04-02 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$8800.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$260.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation