vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am disputing the collection account with BK OF AMER, account number XXXX dated XXXX XXXX with a balance of {$2700.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that BK OF AMER provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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 2025-01-08 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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
Subject : Dispute of Inaccurate Information Reported by XXXX XXXX XXXX and ChexSystems Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am writing to formally dispute inaccurate and harmful information reported by XXXX XXXX XXXX and ChexSystems, which has caused significant disruptions in my financial stability. 
XXXX. XXXX XXXX XXXX There are XXXX accounts reported by XXXX XXXX XXXX on my credit report that are incorrect and need to be removed immediately. These accounts do not belong to me, and their presence on my credit report constitutes a violation of the Fair Credit Reporting Act ( FCRA ). This misinformation has negatively impacted my credit score, rental history, and overall financial standing, creating an undue burden on my life. 
XXXX. ChexSystems ChexSystems has placed a block on my name, which has prevented me from opening a bank account. This situation is a major inconvenience, and I believe this block is based on inaccurate or outdated information. I request that this block be reviewed and removed promptly to allow me to access basic financial services. 

I have attached copies of supporting documents, including my credit report highlighting the disputed accounts, any correspondence with XXXX XXXX XXXX or ChexSystems, and my identification, to aid in the investigation and resolution of these issues. 

I kindly request the CFPBs assistance in addressing and resolving these matters promptly. The false information on my credit report and the block on my name in ChexSystems are unjust and need to be corrected without further delay. 

Thank you for your attention to this matter. Please do not hesitate to contact me at XXXX or XXXX if additional information is needed. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
" 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
To Whom It May Concern, I am writing to formally file a complaint against Equifax for failing to properly address my dispute regarding unauthorized credit inquiries and XXXX XXXX on my credit report. Despite providing substantial evidence, including a notarized FTC Identity Theft Report, Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). 



Summary of Issue : 1. I submitted a dispute to Equifax regarding several unauthorized inquiries, including detailed documentation proving that I am a victim of identity theft.

2. I specifically requested that Equifax verify these inquiries with the original furnishers and remove any unverifiable inquiries as required by law.

3. Instead of providing verification or removing the fraudulent inquiries, Equifax responded with generic statements, failing to provide any proof that the inquiries were authorized.

Violations of the FCRA : Failure to Provide a Method of Verification ( MOV ) : Under the FCRA, Equifax is required to provide details of how it verified the disputed inquiries, including the name, address, and contact information of the furnishers. Equifax has not fulfilled this obligation.

Failure to Remove Unverified Information : If Equifax or the furnishers can not verify the accuracy of the disputed inquiries, they must remove them within 30 days. Equifax has not done so, despite the lack of proof that these inquiries were authorized.

Supporting Documentation : A notarized FTC Identity Theft Report under penalty and perjury, submitted with my original dispute.

Copies of my correspondence with Equifax.

Requested Resolution : 1. Immediate removal of the fraudulent inquiries from my credit report.

2. A detailed explanation of the method Equifax used to verify the disputed inquiries.

3. Compliance with FCRA obligations to protect my credit report from inaccurate information.

I am seeking your assistance in holding Equifax accountable and ensuring that my rights under the FCRA are upheld. 



Thank you for your time and attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
A man brought a lawsuit notify me that TD Bank USA had filed a lawsuit in XXXX XXXX XXXX for the Ninth in and for XXXX XXXX. I was not contact concerning this issue before XX/XX/XXXX. I attempted to pay Target and notified Target that I had an accident on XX/XX/XXXX. I had no transportation and I still have no transportation. My other XXXX accounts worked a plan of payment except Target. I never received calls from Target I tried just to reach out to Target in XX/XX/XXXX. No response. So I appeal this through the attorney for Plaintiff by fax XX/XX/XXXX. I sent certified Mail tracking # XXXX XXXX, and XXXX and by phone conversation on XX/XX/XXXX I was informed by XXXX XXXX that she could not help because I would NOT give my Social Security or birthday date. XXXX said she could not help. I fax them another letter on XX/XX/XXXX. They Have yet to respond. It is A SCAM. THE TELEPHONE # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
The fraudulent accounts linked to my credit report through identity theft have been added without my authorization or written signature, causing severe disruption to my financial wellbeing. These unauthorized entries have not only created significant emotional distress but have also directly prevented me from achieving crucial life goals, including purchasing a home and adequately providing for my family 's needs. Despite my previous communication with your organization about this serious matter, these harmful entries persist on my report, continuing to misrepresent my credit history and responsibilities.

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 2025-01-08 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: GA

Complaint narrative:
The company listed has been continuously reporting incorrect fraudulent items on my credit report. Time and time again they delete these items and add back every few months after assuring me that these were accounts were blocked from future reporting, they completely lied to me. They continue to profit off fraudulent items being on my credit report. This is a violation of the FCRA and the company is abusing its authority by reinstating these accounts that resulted from identity theft. These accounts need to be removed permanently and I want to be paid 1000 per day for each day these have been defaming my name and credit report. I have lost out on many opportunities due to this improper use of my 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 explanation
Consumer complaint received 2025-01-08 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: OH

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$740.00} & XXXX XXXX  Date of Inquiry XX/XX/year>

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 2025-01-08 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX XX/XX/year> I received {$190.00} value in XXXX to Venmo. Immediately sold {$50.00} for XXXX no issue so far. I then attempted to purchase {$48.00} in XXXX  and was unable to. I contacted customer support via chat in venmo app and was informed my account was frozen and was told I would receive more information via email. On XX/XX/year>, I received an email stating my account has been permanently deactivated and my remaining balance of {$170.00} will be held for 180 days for loss prevention purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: OH

Complaint narrative:
Experian, XXXX, XXXX- have all filed to properly investigate negative items and closed accounts as requested on my accounts ( ally financial ) Which has had a negative impact on my ability for home loan approval and Improperly reinserting inaccurate information on consumer reports even after i have completed FCRA investigate in 2024 with no resolve.

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 2025-01-08 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX : Account Number ( XXXX ) XXXX. XXXX XXXX : Account Number ( XXXX ) XXXX. XXXX XXXX : Account Number ( XXXX ) XXXX. XXXX : Account Number ( XXXX ) XXXX. XXXX : Account Number ( XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 2025-01-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Statebridge Company
State: NY

Complaint narrative:
I took out a second mortgage on my house in XXXX from XXXX that was amortized over 30 years and payable in 10 years. At the time of the signing I was not aware of that. 

I fell on hard times and I defaulted on my mortgage. 

When things got better, I tried to get in touch with XXXX but there was no XXXX at that time. I didnt know where the loan went. 

In the meant time, I got a 1099-C from XXXX in XXXX stating that my loan was discharged. I considered the matter closed. 

Now out of nowhere Statebridge XXXX sends me a letter in XX/XX/XXXX stating that my mortgage was transferred them and I owe them {$310000.00}. 

I am surprised and shocked. I am now in XXXX  and I am already XXXX XXXX XXXX XXXX. This has been very tough on me. Out of now where after 20 years Statebridge XXXX is now demanding a payment. 

They have also reported this loan to the credit bureaus. I have mode no payments on this loan since XXXX, I didnt know they can just report information to credit bureaus if there has been no activity. As a result, my credit has gone down XXXX points. 

I am reaching out to you to see if you can help me with this matter. 

Thank You and Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
The fraudulent accounts linked to my credit report through identity theft have been added without my authorization or written signature, causing severe disruption to my financial wellbeing. These unauthorized entries have not only created significant emotional distress but have also directly prevented me from achieving crucial life goals, including purchasing a home and adequately providing for my family 's needs. Despite my previous communication with your organization about this serious matter, these harmful entries persist on my report, continuing to misrepresent my credit history and responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: MO

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-08 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: AZ

Complaint narrative:
I XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX, Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and TransUnion credit reporting agencies, 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 on XX/XX/XXXX, under the account number XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, another XXXX XXXX XXXX  personal credit account opened at XX/XX/XXXX, under the account number XXXX, an account opened at XXXX on XX/XX/XXXX with a an account number XXXX, an account with XXXX  opened on XX/XX/XXXX with an account number XXXX, an account with XXXX XXXX, opened on XX/XX/XXXX with an account number XXXX, an account with XXXX XXXX  XXXX opened on XX/XX/XXXX with an account number XXXX, an account with XXXX opened on XX/XX/XXXX with an account number XXXX, an account with XXXX XXXX  XXXX opened on XX/XX/XXXX with an account number XXXX, an account with XXXX XXXX  opened on XX/XX/XXXX with an account number XXXX, and a XXXX  XXXX bankruptcy, which has never been confirmed by the courts and I have not filed with a filing date of XX/XX/XXXX, as well as fraudulent inquiries of my credit report with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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

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