vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: AZ

Complaint narrative:
My identity has been stolen, and I am seeking your help AGAIN to swiftly remove these fraudulent items. I kindly request that you delete this specific item as soon as possible and ensure that all other incorrect details are promptly updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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 just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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 just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: WA

Complaint narrative:
Im frustrated by the inaccuracies on my report that are unfairly hurting my scores and costing me opportunities. These errors have led to rejections, higher rates, and setbacks I dont deserve. Its beyond frustrating to be held back by mistakes that shouldnt be there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: VA

Complaint narrative:
I checked my credit reports and have found inaccurate information on my credit reports. Below is the collection agency reporting on my reports. This account does not belong. I called XXXX XXXX and they gave me the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. I have never lived at this address. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Original Creditor Name XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
I was a victim of identity theft and someone open credit cards and bank accounts with my information I got a police report and I've ben disputing these fraudulent accounts with the credit bureaus and most of them have been deleted from my report but a few of them the banks send them back as accurate i don't know why? even doe they have a different address and phone number on file and that's why I'm here disputing these accounts so they can finally be removed from my credit report. 
account # XXXX date opened -- 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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report and this old account has been on my credit report for more than 7 years .PLEASE REMOVE these accounts from my report, they are hurting my ability to obtain 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 explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had my account opened in a branch about a year ago or maybe less. My business is about XXXX XXXX and not XXXX, that was the first mistake Bank of America made and they flag my account thinking at was about XXXX because now days people can't read. About a week ago I went to the branch and I deposited my check from the IRS from my taxes at the very next day they closed my account. I tried to go online and it says no information is found, I went to the branch and they told me to call this number XXXX because my account was getting closed. I call the number and they told me that they close my account because they decided to end the relationship with me and that's it. No explanations were giving. Account number : XXXX Name of the Business is : XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XXXX we had a mortgage with countrywide financial corporation due to the economy. We had fallen behind in our mortgage and was looking like we were not going to make a second monthly payment so we called countrywide and started the process of loan modification. we asked the representative if we needed to try and make a payment and they told us no that the loan modification puts past missed payments back into the modification And that the process would only take 30 to 60 days. Long story short after complying with all their needs and request and calling every week and being told everything looks good constantly questioning why it is taking so long after 13 months to have a sheriff show up at our front door only to tell us our house is being foreclosed on. I immediately called countrywide and they told us to modification did not go through without any explanation to say the least, we were shocked, constantly calling countrywide, trying to find out why we were declined and why it took so long only to be passed from one department to another never getting an answer. We were in a panic and feeling of the despair and betrayal, especially since things had changed with our business and was looking good, but the only way we could get in good standings was payback all of the past payments and that was not a possibility so we had no choice but to file bankruptcy to try and save our home. in early XXXX we did just that and stopped the foreclosure process at this point I do not believe countrywide existed anymore and the bankruptcy court was dealing with Bank of America. We went through the entire process all over again, trying to modify the loan with Bank of America it took so long that our bankruptcy was discharged and Bank of America never modified our loan after hundreds of phone calls and XXXX knows how many documents we were right back at square one so in XXXX we had to file bankruptcy again start the process all over again. Bank of America modify our loan in XXXX and have been current on that loan since. That was 11 years of living XXXX especially since in XX/XX/XXXX I was involved in a car accident and was critically injured. I suffered a broken neck and suffered a brain injury and have been on XXXX since. 
The worst part is Bank of America is saying on top of the original loan amount of {$590000.00}. We owe back payments of XXXX. I really hope you can help. I am not sure, but I think we could be part of the justice department verse Bank of America settlement in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX I called the phone number on my PNC card to close my bank account as I got married and became a joint owner of my husbands bank account and no longer needed my own. The employee who picked up the phone was XXXX and she told me multiple times that my credit would get a hit specifically because I was closing my bank account. A quick XXXX search tells you that thats completely untrue, unless you have a negative balance, which I do not. In fact, my bank account was sitting at {$0.00} and was also frozen to make sure that nothing was charged to my account before I could officially close it. I asked her if it would be a hard or soft inquiry and she told me that I would get a soft inquiry on my credit because I was closing my bank account. I was able to close my bank account, but I need to make sure that someone at PNC knows that XXXX is flat out lying to consumers to try and get them to keep their bank account open. If you need any evidence that she lied to me I have her recorded saying everything, as well. She then went on to tell me about PNCs credit card which I declined and she asked why with a very annoyed tone, and I told her I didnt feel like being sold on anything today and I really just want to close my account. She went on to say that she wasnt trying to sell me on anything and was trying to help me save money, and I again told her no thank you. I understand that PNCs top priority is to keep as many customers as possible ( which is what all businesses strive to do naturally ), but your employees should not be using scare tactics and lying to consumers to keep them as customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: TRANSWORLD SYSTEMS INC
State: IA

Complaint narrative:
My XXXX XXXX credit report has a bunch of inquiries that I did not authorize! A collection agency pulled my credit two times! Why would I authorize that! This company has never once contacted me! Plus the XXXX XXXX applications were to be soft inquiries!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Been a XXXX XXXX customer for 6 years and never missed a payment. Without notice JP Morgan Chase closed my account on XX/XX/XXXX. Called and spoke with a supervisor who told me he could not tell me why it had been closed. Ask for his team manager to call me back. XXXX from the executive office called me back on XXXX and told me she was not required to tell me why the bank closed my call and that there was no one above her i could speak to. I told her I've never missed a payment and have over XXXX XXXX points so i can't understand why I can't get an answer. Requested to speak to her supervisor and was called back by XXXX from the XXXX office on XXXX and was told by her that she could not reveal why my account was closed. Since I've always paid on time and have good credit I'm concerned that I'm a victim of debanking?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into 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 2025-02-18 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I called Citi Bank to ask a general question about using the ATM machines. Despite my objections about the necessity of my personal details for a general question, I had to divulge my name, the last XXXX digits of my credit card and my mother 's maiden name. At this point I was told that the information was incorrect. It was correct and I was asked to verify it exactly as it was on my credit card, which I did. I was informed that that was incorrect and transferred to " Fraud Prevention '' where I refused to verify a code they send me to change my name as I did not wish to have a name change. Then I received a message upon login to my account online, that my account use can be " restricted '' and to call " Fraud ''. I called and was asked to verify my name which again I did not pass. As this was discussed, I a sked tor a written record of what transpired on my account. The agent was interrupting me. I asked the agent to stop interrupting me which he did not. I objected to that again and he admonished me to talk to him " professionally or he will ... '' at which point I asked to be transferred to a supervisor. The supervisor asked me to verify my name again and it was not " checking '' again. I told her that I had a month earlier or so I asked to have them send me a card with my full first name as they had my name abbreviated ( which they did ) and she apparently " changed it " in their system upon further " verification '' but she still would not provide me with a written record of what transpired on my account. In this process, I was talking to at least XXXX different people. All but XXXX had difficulty speaking and understanding XXXX and a bad phone connection making the conversations even more difficult. I have this credit card for over 20 years and I do not plan on keeping it. However, the company appears not only sloppy but also rude and potentially harmful if they actually block your card when you're not expecting it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I've spoken to several XXXX 's at Truist, including two managers explaining the following and all I keep being told is, claim denied. Here 's what happened : While looking for discount furniture on XXXX XXXX, I clicked through to what I thought was a link to a furniture website. They had an attractive price on a dresser and before I realized the site was a scam site, I had already put in my XXXX  details and pressed PURCHASE. Immediately upon realizing it was fraudulent, I reached out to Truist to advise of the circumstance ( see attached ) : this {$59.00} from XXXX XXXX  was a fraudulent merchant and I would like to dispute/have my money refunded. 
Screen Shot XXXX at XXXXXXXX XXXX XXXX. On XX/XX/XXXX, I followed up via phone because I received no written follow up, nor was there an update on my account claims status site when I logged in. I was told the matter was still pending and I would receive a follow up. 

3. On XX/XX/XXXX, I followed up via phone only to be told the claim was rejected. This is a claim that was initially reported as fraud, but I was told since I hadn't reached out to the ( non-existent merchant ), the dispute could not be progressed. This is where the bank began it's procedural failures as, it would seem, unless the initial claim fell into a particular fact pattern, the consumer can't recover ; namely consumer and merchant have an exchange *before* Truist will provide relief to the consumer. That didn't happen here because it couldn't : the merchant site was fraudulent ; there was no merchant contact available to me. Truist seems to want to deny me any consumer protection given this fact. 

XXXX. On XX/XX/XXXX, I followed up via phone again, requesting the claim be reopened. I have been defrauded. I let Truist know immediately as soon as I knew. I provided all the supporting materials I had available ( see screenshot of the email I received from the fraudulent site ) and I have been actively seeking a resolution. I received an email follow-up acknowledging my request and the CSR manager promised to follow up by phone. I've heard nothing. 

XXXX. XX/XX/XXXX, I just followed up again only to be told the re-opened claim was denied because it was longer than 120 days since the charge. Can you imagine? I'm sorry, but this is embarrassing to Truist. I've maintained contact ( see attachments ) and have been told to wait for follow-up that never came.

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 2025-02-18 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: PA

Complaint narrative:
The school charged me for out of county tuition which was more than double the rate for in county, I wasnt aware because i never recieve a bill from them and when asking for them to readjust my rate for me to get refunded they told me I would have to get a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$230.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$430.00} XXXX Date Opened XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX late payments* Date Opened XX/XX/XXXX Balance {$0.00} XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX 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