vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
As today XXXX I found my bank account balance became 0, and all my money is on hold and can't be accessed, I thought our account is stolen because my husband't online account is not available to access and can't withdraw money yesterday. So I called customer service they said Bank of America discontinued business with us, but I don't why. Our account is being using daily and monthly, all the mortgage, auto loan and so on were done by BOA, but now they frozen my money we can't deal with our daily expense, how am I suppose to pay food for my son at this moment? And we did not disobey the policies or overdraft, no reason that this happened to us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Since XXXX  I had multiple purchases done with my card that I hadn't even activatedXXXX times they were able to clear it up. They sent me a new card and specifically told them that I would call over phone to activate whenever I was ready and still XX/XX/XXXX I received a text message of someone trying to make a purchase with my information. I called them to close my account and they said they did on XX/XX/XXXX XXXX minutes later I received a message saying my card was ready to use. I'm very concerned about my credit not fair I work hard and someone is using my information.

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 2025-01-13 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: CA

Complaint narrative:
I have been trying to remove accounts that were caused by identity theft for over a year now. I have filed a police report with the XXXX XXXX XXXX and this is my XXXX attempt to correct this injustice.

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 2025-01-13 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: MD

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 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 2025-01-13 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that was late due to a XXXX XXXX XXXX XXXX and XXXX. These need to report all information with complete accuracy. 
It was reported first in XXXX and then XXXX when i wasn't late

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 2025-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: AZ

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : JEFFERSON CAPITAL SYST Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Jefferson Capital Syst, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or purchase agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Heres the revised version including your follow-up actions : I am filing this complaint against Experian for failing to properly investigate and correct inaccurate reporting on my credit profile. I opened an auto loan with XXXX XXXX XXXX in XX/XX/XXXX and have consistently made on-time payments. However, Experian has reported my payment history inaccurately, with delayed postings and missing updates. For example, my XX/XX/XXXX payment was not reflected until XXXX, and my XXXX payment was not posted until XX/XX/XXXX. 

I filed a formal dispute directly with XXXX XXXX XXXX in XX/XX/XXXX, providing supporting documentation. I followed up with the original creditor again on XX/XX/XXXX, t and was advised to contact the credit bureau to dispute the issue further. This suggests that Experian has not conducted a proper investigation or contacted the original creditor as required under the Fair Credit Reporting Act ( FCRA ). 

When attempting to submit my concerns through Experians online portal, my comments were repeatedly flagged as invalid or offensive, especially when referencing the company name and payment errors. This created an unnecessary barrier to submitting a clear and factual dispute. 

XXXX handling of this situation violates the FCRA, specifically : 15 U.S.C. 1681i : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

The continued inaccuracy has negatively impacted my credit score and creditworthiness by misrepresenting my payment history and balance information. 

I am requesting : A thorough reinvestigation of this matter, including direct contact with XXXX XXXX XXXX. 
Correction of the inaccurate balance and payment history. 
A review of Experians dispute portal practices to ensure consumers can submit complete, factual dispute statements without unnecessary restrictions. 

I have attached supporting documentation, including : Payment history and balance information from XXXX XXXX XXXX. 
Screenshots showing the dispute submission errors and flagged comments. 

Thank you for your attention to this matter. Please keep me informed of the steps taken to resolve this issue. 

Let me know if youd like me to modify anything further.

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 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
XXXX with XXXX XXXX XXXX XXXX called on XXXX at XXXX XXXX and left a message with no contact information or phone number threatening my to cancel membership due to " unprofessionalism. '' When I called XXXX XXXX to dispute a charge on my debit card. 

I only know this person 's name is XXXX from the other representative that I spoke to who gave this information to me. 

XXXX is a hypocrite that demands professionalism from XXXX, yet he is allowed to not leave his name or call back number, or call from a number that can be reached. 

XXXX XXXX Discriminates against XXXX XXXX trying to make sure their money isn't stolen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Too many Unidentifiable hard inquiries on my credit report. 
Unrecognizable collection reports.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
From XXXX my information has been breach from all XXXX credit bureau Equifax and experience

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: CA

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There are fraudulent accounts by XXXX XXXX XXXX - ( PARTIAL ACCOUNT NO : XXXX .... ), XXXX XXXX XXXX XXXX ( PARTIAL ACCOUNT NO : XXXX ) and XXXX XXXX / XXXX ( PARTIAL ACCOUNT NO : XXXX .... ) were opened under my name without my knowledge and I am asking to block and delete these fraudulent accounts because I have no knowledge about these accounts. They are fraudulent accounts.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There are fraudulent accounts by XXXX XXXX XXXXXXXX - ( PARTIAL ACCOUNT NO : XXXX .... ), XXXX XXXX XXXX XXXX ( PARTIAL ACCOUNT NO : XXXX ) and XXXX XXXX / XXXX ( PARTIAL ACCOUNT NO : XXXX .... ) were opened under my name without my knowledge and I am asking to block and delete these fraudulent accounts because I have no knowledge about these accounts. They are fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: AL

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts on my report please remove the account. In the interest of transparency and to avoid any delays in processing I have added my bank account statement as proof of address my social security card, passport and state driver license.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: AL

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts on my report please remove the account. In the interest of transparency and to avoid any delays in processing I have added my bank account statement as proof of address my social security card, passport and state driver license.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My personal information was exposed in reference to the Equifax data breach. It is not fair to me as a federal protected consumer whose privacy has been violated. I completed a FTC report and listed all accounts that I do not recognize. I can not purchase a home because of the exposure of my personal information which includes address, date of birth, social Security Number. Every institution has a privacy notice where Equifax is supposed to protect my personal information from the publisher or where someone can obtain that type of information.

Therefore I am demanding all the accounts listed within the FTC report to deleted from consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I entered into an agreement with Acima to pay for two ( 2 ) units I purchased from XXXX. I made a down payment of {$48.00} and had schedule weekly payments of {$55.00}. 

In XXXX, I had to return one ( 1 ) of the units back to XXXX and a Refund was issued on XX/XX/XXXX in the amount of {$530.00} back to Acima. In XX/XX/XXXX, I called Acima to inquire about adjustments made to my account as I was issued a refund and now only have one ( 1 ) unit to pay for. The Resolutions Rep explained to me that the company ( Acima ) recently changed financial institutions and that is why there was a delay in my adjustments. I was told the case would be reviewed and for me to call back in 2 weeks. 

On XX/XX/XXXX, I called Acima to get the status of my case of which that Resolutions Rep explained to me it was never reported. I was told that the adjustment would be made and I will only have to pay {$26.00} weekly. Unfortunately that did not happen. I finally called in today, XX/XX/XXXX to be told that I will have to pay {$36.00} weekly to pay off remaining balance of {$430.00}. I feel like Acima has put me in a financial bond and I have paid more than I should as I was was never credited ( payment {$55.00} for two Months ) and still paying

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" 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 on my XXXX Bank account [ XXXX ]. 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 explanation
Consumer complaint received 2025-01-13 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2025-01-13 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
In accordance with the Federal Law.

The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 )

Company response to consumer: Closed with explanation