vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NY

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 account listed without my expressed written consent.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This morning, I noticed an unauthorized inquiry on my credit report, and XXXX baffled as to why. During my regular review, I saw unexpected discrepancies that were not there before. Refreshing the browser didnt resolve the issue, as the unauthorized inquiry persisted. I demand a detailed check of the documents Ive submitted to ensure this is fixed and doesnt trouble me anymore.

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 status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows :

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: 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 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Formal Credit Dispute Violation of TILA 15 U.S. Code 1666 ( b ) Billing Error I am writing to formally dispute inaccurate information on my credit report concerning the balance reported by XXXX Bank, account number XXXX. Upon reviewing my credit file, I identified significant errors that constitute violations of the Truth in Lending Act ( TILA ) under 15 U.S. Code 1666 ( b ). These errors meet the legal definition of billing inaccuracies and require immediate correction or removal.

The specific violations are as follows : 1. Failure to Reflect Proper Credits or Payments ( 1666 ( b ) ( 4 ) ) : The balance reported does not accurately reflect payments or credits applied to this account, leading to an incorrect and misleading representation of my account status.

2. Computation or Accounting Errors ( 1666 ( b ) ( 5 ) ) : The reported balance includes errors stemming from incorrect calculations or misapplied charges. Despite the creditor 's obligations under TILA, no substantiating evidence has been provided to validate the accuracy of this balance. 
These discrepancies undermine the accuracy and integrity of my credit report and violate the Fair Credit Reporting Act ( FCRA ) and TILA requirements. 
Resolution Requested : To resolve this dispute fairly and efficiently, I request the following actions : 1. Immediate removal of this inaccurate balance from my credit report. The failure to substantiate the validity of this balance makes its continued reporting unjustifiable under federal law. 

XXXX. Full documentation from XXXX Bank proving the accuracy of the reported balance. This should include a complete and verifiable accounting of all payments, credits, and charges applied to this account. 

XXXX. If XXXX Bank can not provide concrete evidence validating the accuracy of this balance, the account must be permanently deleted from my credit file to comply with FCRA and TILA provisions. 

I expect this dispute to be resolved within the statutory timeframe of 30 days, as required under the FCRA. Failure to address this matter promptly will leave me with no choice but to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation and enforcement. 

This issue has caused undue stress and potential harm to my financial standing, and I trust that you will address it with the urgency and fairness it deserves. 

Please confirm receipt of this dispute and provide updates throughout the resolution process. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Formal Credit Dispute Violation of TILA 15 U.S. Code 1666 ( b ) Billing Error I am writing to formally dispute inaccurate information on my credit report concerning the balance reported by XXXX Bank, account number XXXX. Upon reviewing my credit file, I identified significant errors that constitute violations of the Truth in Lending Act ( TILA ) under 15 U.S. Code 1666 ( b ). These errors meet the legal definition of billing inaccuracies and require immediate correction or removal.

The specific violations are as follows : 1. Failure to Reflect Proper Credits or Payments ( 1666 ( b ) ( 4 ) ) : The balance reported does not accurately reflect payments or credits applied to this account, leading to an incorrect and misleading representation of my account status.

2. Computation or Accounting Errors ( 1666 ( b ) ( 5 ) ) : The reported balance includes errors stemming from incorrect calculations or misapplied charges. Despite the creditor 's obligations under TILA, no substantiating evidence has been provided to validate the accuracy of this balance.

These discrepancies undermine the accuracy and integrity of my credit report and violate the Fair Credit Reporting Act ( FCRA ) and TILA requirements.

Resolution Requested : To resolve this dispute fairly and efficiently, I request the following actions : 1. Immediate removal of this inaccurate balance from my credit report. The failure to substantiate the validity of this balance makes its continued reporting unjustifiable under federal law. 

XXXX. Full documentation from XXXX Bank proving the accuracy of the reported balance. This should include a complete and verifiable accounting of all payments, credits, and charges applied to this account. 

XXXX. If XXXX Bank can not provide concrete evidence validating the accuracy of this balance, the account must be permanently deleted from my credit file to comply with FCRA and TILA provisions. 

I expect this dispute to be resolved within the statutory timeframe of 30 days, as required under the FCRA. Failure to address this matter promptly will leave me with no choice but to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation and enforcement. 

This issue has caused undue stress and potential harm to my financial standing, and I trust that you will address it with the urgency and fairness it deserves. 

Please confirm receipt of this dispute and provide updates throughout the resolution process. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
To Whom It XXXX Concern, I am writing this letter because I found several errors that are reporting which are hurting me I cant find a home for my family. I hope you can get this taken care of swiftly. 

This account is being reported with different dates under Date Last Active. 
If this is the same account being reported by the same creditor why is this information different? Can you Investigate and remove from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.By thine provisions of the Fair Credit Reporting Act, I demand that these items please 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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Complaint : I am filing this complaint because I feel coerced into using Merrill Lynch XXXX ( ML XXXX  ) as my brokerage and investment platform due to XXXX XXXX XXXX at Bank of America ( BofA ). 

It appears that my spouses employment agreement or company policies mandate that family members must utilize ML XXXX for investment services. This requirement restricts my ability to freely choose financial products and services that align with my preferences, needs, and rights as a consumer. 

This coercion : Denies me the ability to use alternative investment or brokerage platforms that may better meet my financial goals and needs. 

Creates an undue financial dependency on Merrill Lynch XXXX without clear justification or disclosure of consumer choice. 

Forces my household into a financial relationship that may not be in our best interest, violating principles of fair consumer treatment. 

I find this practice to be both unfair and potentially anti-competitive, as it limits my freedom as a consumer. I am requesting that the CFPB investigate this policy to determine if it violates any consumer protection laws or principles. 

Details of My Experience : XXXX XXXX XXXX XXXX by Bank of America, and it is my understanding that their policies explicitly require family members to use ML XXXX  for investment accounts. 

I have experienced delays in opening accounts, difficulties transferring funds, and limited investment options. 

I am unable to seek more appropriate financial options because doing so would negatively affect XXXX XXXX XXXX XXXX, further compounding the coercion I feel. 

Resolution Sought : A clear investigation into whether Bank of America and Merrill Lynch XXXX are violating consumer protection laws. 
Assurance that no consumer or household member should be coerced into using specific financial services under such circumstances. 
Thank you for addressing this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy fcu {$16000.00} XXXXXXXX XXXX. Calls made to me back to back none stop letters in the mail sent to old address. 

{$2300.00} XXXX XXXX calls made me none stop letters sent back to back non stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX [ XXXX, Oh XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA, XXXX Subject : Dispute Regarding Charge-Off Reporting To Whom It May Concern : I am writing to formally dispute the validity of a charge-off listed on my credit report by XXXX XXXX XXXX. The charge-off in question appears on my report as of XX/XX/XXXX with a balance of XXXX Upon investigation, I have reason to believe that this debt may have been written off by the creditor as a tax deduction under IRS regulations . If the creditor claimed this charge-off as a loss for tax purposes, the continued reporting of this balance as owed to the creditor is inaccurate and misleading. Once a creditor writes off a debt as a loss and claims a tax benefit, they forfeit the right to collect or report the debt as active unless they explicitly sell it to a third-party collector. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report only accurate and verifiable information. Therefore, I respectfully request that you : XXXX. Verify the status of this charge-off with the creditor. 
XXXX. Immediately remove or correct this charge-off entry if it has been written off or forgiven by the creditor. 

I have attached a copy of my credit report highlighting the disputed entry and documents verifying my identity for your convenience. Please conduct a prompt investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to a timely resolution. 

Sincerely, [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I found incorrect details about some accounts that are causing my score to drop unnecessarily.

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: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete or not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

Account Name : 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 XXXXXX/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 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Looked at my credit report and noticed 2 inquiries a day apart ( XX/XX/scrub>XXXX XXXX XXXX ) from XXXX XXXX. Called XXXX and Equifax to report fraud. They responded that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Disputed multiple times... same result.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I completed spending for the " It's in the Cards '' promotion on my American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX points for registering and doing the required $ XXXX spending by the required time. I completed the required spend and did not receive the points in time. I have followed up with customer service on about 5 different chat sessions since XX/XX/year>, the date the points were due to be placed in my account. I have in each case been given the assurances that my points would be provided to me in either 5 business days or 2-3 business days and in each case I have not received my points.

Company response to consumer: Closed with non-monetary relief