vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY

Complaint narrative:
Subject : Complaint Regarding Delayed Payment and Unresponsive Service by Bank of Mellon New York Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Bank of Mellon New York regarding a delayed payment that has caused me significant financial and academic distress. 

I am a XXXX student who paid my tuition fees to XXXX University XXXX on XX/XX/year>. The payment was processed through Bank of Mellon New York. However, the bank has refused to release the funds, citing concerns that the payment might be associated with an individual from XXXX, which is under sanctions. The name of the account holder on my transaction, XXXX XXXX, seems to have triggered this concern. 

Despite providing clear documentation, including my XXXX passport, to prove that I am a XXXX citizen and not Iranian, the bank has not processed the payment. As a result, I have missed the XXXX intake at XXXX XXXX and am facing irreparable losses in terms of my academic progress. Furthermore, without the processed payment, I will not be able to apply for the next intake, which is causing me significant emotional and financial stress. 

Here are the key details of the issue : Payment Date : XX/XX/year> Payment Amount : USD XXXX Recipient : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank of Mellon New York My Name : XXXX XXXX My Nationality : XXXX  ( XXXX passport : XXXX ) Despite the banks claims regarding sanctions, I have provided all required documents verifying my identity, including my passport. However, Bank of Mellon has continued to delay and withhold my payment without any further explanation. The lack of communication and assistance has made it impossible for me to resolve this issue directly with the bank. 

As a result, I respectfully request your assistance in resolving this matter. Specifically, I am seeking the following : XXXX release of my payment to XXXX XXXX XXXXXXXX. 
Full transparency from Bank of Mellon regarding the reasons for the delay and an expedited resolution. 
Appropriate compensation for the damages and academic losses I have incurred due to the bank 's failure to process my payment. 
Attached, please find the relevant documents supporting my case : Proof of payment A copy of my XXXX  passport Correspondence with Bank of Mellon I would greatly appreciate your prompt attention to this matter. If you need any additional information or clarification, please do not hesitate to contact me. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX Number : XXXX Address : XXXX, XXXX, XXXX. 
Email Address : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: MS

Complaint narrative:
I have disputed the auto account several times, including sending my divorce decree to show that the account was transferred to my ex-spouse, but it remains on my report. 
Exter Finance is the name of the company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
I filed a dispute on XXXX Due to the account being closed Experian failed to follow up with the insvestigation

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
I WAS A VICTIM OF A DATA BREACH AND MY INFORMATION WAS USED.

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 2025-01-23 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: IL

Complaint narrative:
I WAS A VICTIM OF A DATA BREACH AND MY INFORMATION WAS USED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: MO

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. want reported accounts removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-01-23 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX4XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} Late/Open Inquiries in Dispute : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-01-23 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: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: CO

Complaint narrative:
The credit reporting agencies of Equifax, XXXX, and XXXX continue to report an account that is not mine. 

I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX XXXX. I did not open or authorize this account. I have requested the information be removed by the bank and the credit reporting agencies, but that has not happened yet. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Provided in this complain and attached is proof of my identification, the specific information that is the result of the theft ( XXXX XXXX  XXXX credit account ending in XXXX, and the FTC documentation, as well as a letter from the bank with their findings that it's fraud and instructions to the credit agencies to remove the wrong information. 

There is a federal legal requirement that you remove this false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CO

Complaint narrative:
The credit reporting agencies of XXXX, Experian, and XXXX continue to report an account that is not mine. 

I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX XXXX. I did not open or authorize this account. I have requested the information be removed by the bank and the credit reporting agencies, but that has not happened yet. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice XXXXo Furnishers, which explains your responsibilities when reporting information. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Provided in this complain and attached is proof of my identification, the specific information that is the result of the theft ( XXXX XXXX XXXX credit account ending in XXXX, and the FTC documentation, as well as a letter from the bank with their findings that it's fraud and instructions to the credit agencies to remove the wrong information. 

There is a federal legal requirement that you remove this false 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 2025-01-23 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have reviewed my credit report and came upon unauthorized collections and inquires under my name and would like these removed off of my credit as I have the right under the fair credit reporting act I will list such collections and or inquires below. experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of XXXX {$2.00}. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX balance of XXXX $ - XX/XX/XXXX balance of XXXX $ XXXX XXXXXXXX XXXX- XX/XX/XXXX balance of XXXX {$5.00}. XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX balance of XXXX $ XX/XX/XXXX balance of XXXXXXXX XXXX XXXX XXXX. XXXX XXXX- XX/XX/XXXX balance of XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX balance of XXXX {$10.00}. XXXX XX/XX/XXXX balance of XXXX $ XX/XX/XXXX XXXX of XXXX $ And as The Fair Credit Reporting Act ( FCRA ) is a federal law that was enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. This act ensures that consumers have the right to access their credit information, dispute inaccuracies, and be informed about the use of their credit data. Under the FCRA, individuals are protected from unauthorized or inaccurate information being reported on their credit reports. In my case, the items currently listed in collections were not authorized by me, and I believe they are inaccurate. This unauthorized reporting has negatively impacted my credit score, and I am taking steps to dispute and correct these errors in accordance with my rights under the FCRA.

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 2025-01-23 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:
I have reviewed my credit report and came upon unauthorized collections and inquires under my name and would like these removed off of my credit as I have the right under the fair credit reporting act I will list such collections and or inquires belowXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of XXXX {$2.00}. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX balance of XXXX $ - XX/XX/XXXX balance of XXXX $ equifax XXXXXXXX XXXX  XX/XX/XXXX balance of XXXX {$5.00}. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX balance of XXXX $ XX/XX/XXXX balance of XXXX $ XXXX XXXX XXXX XXXX  XX/XX/XXXX balance of XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX balance of XXXX {$10.00}. XXXX XX/XX/XXXX balance of XXXX $ XX/XX/XXXX XXXX of XXXX $ And as The Fair Credit Reporting Act ( FCRA ) is a federal law that was enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. This act ensures that consumers have the right to access their credit information, dispute inaccuracies, and be informed about the use of their credit data. Under the FCRA, individuals are protected from unauthorized or inaccurate information being reported on their credit reports. In my case, the items currently listed in collections were not authorized by me, and I believe they are inaccurate. This unauthorized reporting has negatively impacted my credit score, and I am taking steps to dispute and correct these errors in accordance with my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission, Equifax consistently respond within XXXX hours stating the count is accurate, without providing any evidence or a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Futhermore, Equifaxs actions may also contravene the Comsumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the XXXX recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax compliance with federal law and provide consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
My information was exposed in a data breach and the law of 15 usc 1692 cc was broken

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