vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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: TX

Complaint narrative:
Recently, I did an investigation of my credit report and found several items on the report that were inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if 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 : 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.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX : This account is being reported inaccurately, please remove it from my account. 

XXXX XXXX This account is being reported inaccurately, please remove it from my account. 

XXXX  XXXX  This account is being reported inaccurately, please remove it from my account. 

XXXX  XXXX This account is being reported inaccurately, please remove it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX my phone number is XXXX XXXX I want to report my Bank Bank of America and XXXX for allowing me to be scammed with money transferencia through XXXX XXXX app on XX/XX/XXXX XXXX I sow an advertisement XXXX XXXX for a supposed travel agency tha sold airplane ticket For XXXX Airlines for XXXX dolares XXXX XXXX XXXX XXXX and I proceeded to contac them and buy a ticket trusting tha they were real. 
They attended to me very Kindly. I PAY THEM XXXX THROUGH XXXXand they send me a ticket looking XXXX XXXX XXXXXXXX But I detect some red flag on the process after call The Airlines XXXX and confirm the ticket I receive from this person is a fake ticket and I decide dont send the rest of the money because look like scam to me at XXXX point.this person blocked me and doesn't not answer the phone or XXXX  calls. 
I reported it to Bank of America and XXXX as a fraude and I have present them with evidence and have made XXXX complaint and they have told me XXXX after the money is send, is nothing can be done these are XXXX policies and I never aprove this policies o sign nothing to XXXX in my live to aprove this process or acept it For mi this XXXX companies are being part of the fraud by not review the evidence and take measures with tha person Who receive the money throuht XXXX to XXXX  my money to my acount since they never issued a real plane ticket and it was a fraude totaly from the begin

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my second request to dispute the XXXX XXXX  and XXXX charge-off accounts, as they are reporting inaccurate and incomplete information. The account details are : Creditor Name : XXXX XXXX  Account Number : ( private ) Creditor Name : XXXX Account Number : ( private ) Upon reviewing my updated credit report, I found the following inaccuracies : 1. The charge-off is reported with multiple late payments post charge-off, which is redundant and misleading. A charge-off already indicates the account is delinquent, and further late payments are inaccurate.

2. Inconsistent dates of delinquency and charge-off compared to other credit bureaus, violating FCRA 607 ( b ), which requires maximum possible accuracy.

3. Reporting patterns that appear to re-age the account, violating federal law and unfairly extending the statute of limitations.

These inaccuracies not only violate FCRA 611 ( a ) ( duty to investigate ) but also cause significant harm to my credit profile. If you can not obtain verifiable documentation from XXXX XXXX  and XXXX to correct these discrepancies, this account must be removed under FCRA 611 ( a ) ( 5 ).

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
If you are unable to conduct a reasonable investigation or can not locate the necessary documents to address my disputes, you are obligated by the FCRA to remove the negative information from my credit reports, which may include the complete removal of the account. Additionally, the FCRA mandates that this misinformation should be permanently blocked from any future reporting attempts by your company or any related entities.

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 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
Daughters XXXX  checking accounts were overdrawn which offset my account they put a restriction on my account and took their fees out on XX/XX/XXXX called the bank customer service. They told me it was the branch, but that I needed to put money into the account through the ATM went to do that couldnt add any funds into the account of course because it was a holiday. Didnt hear from anyone until XXXX XXXX, they were actively trying to figure out what was going on. Customer service said the branch did it the branch said the customer service did it? I kept calling back-and-forth being put on hold numerous times spent XXXX minutes on hold trying to get in contact with someone from the branch a week later they told me my account restriction was lifted. I could go into the bank on Monday the XXXX and get a temporary card which I did I can see debit transactions coming out, but not for where they were made through purchases. It just states miscellaneous debit, continue to pay bills through my routing and banking account number rather than the debit card and the transactions were denied so I acquired bounced check fees through Company that was supposed to be paid car payment, cell phone bill, credit card payments, all were returned, even though there was sufficient funds in the account. Called again today on the fourth and was told that my account is still restricted even though I was told the account was restricted lifted on XXXX XXXX only to find out I can only make deposits and everything was being denied transactions yet another complaint with the company, and I am now waiting to hear back from someone from the branch or customer service The bank is XXXX  XXXX XXXX of pennsylvania

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
My identity was stolen and used without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: Advantage Credit, Inc.
State: FL

Complaint narrative:
Hello, I am currently in a process of closing on a house in XX/XX/XXXX, and the loan process officer sent a credit report regarding a credit inquiries that i didn't give permission to pull my credit report. And now it's having an effect on the process of closing on the house. I would like to get all of the 7 inquiries removed out of my credit. Thank you XX/XX/year> Advantage Credit Inc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. 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 non-monetary relief
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2025-01-04 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: TX

Complaint narrative:
This is my second request to dispute the XXXX XXXX  and XXXX charge-off accounts, as they are reporting inaccurate and incomplete information. The account details are : Creditor Name : XXXX XXXX  Account Number : ( private ) Creditor Name : XXXX Account Number : ( private ) Upon reviewing my updated credit report, I found the following inaccuracies : 1. The charge-off is reported with multiple late payments post charge-off, which is redundant and misleading. A charge-off already indicates the account is delinquent, and further late payments are inaccurate.

2. Inconsistent dates of delinquency and charge-off compared to other credit bureaus, violating FCRA 607 ( b ), which requires maximum possible accuracy.

3. Reporting patterns that appear to re-age the account, violating federal law and unfairly extending the statute of limitations.

These inaccuracies not only violate FCRA 611 ( a ) ( duty to investigate ) but also cause significant harm to my credit profile. If you can not obtain verifiable documentation from XXXX XXXX  and XXXX to correct these discrepancies, this account must be removed under FCRA 611 ( a ) ( 5 ).

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

If you are unable to conduct a reasonable investigation or can not locate the necessary documents to address my disputes, you are obligated by the FCRA to remove the negative information from my credit reports, which may include the complete removal of the account. Additionally, the FCRA mandates that this misinformation should be permanently blocked from any future reporting attempts by your company or any related entities.

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 2025-01-04 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: TX

Complaint narrative:
This is my second request to dispute the XXXX XXXX  and XXXX charge-off accounts, as they are reporting inaccurate and incomplete information. The account details are : Creditor Name : XXXX XXXX  Account Number : ( private ) Creditor Name : XXXX Account Number : ( private ) Upon reviewing my updated credit report, I found the following inaccuracies : 1. The charge-off is reported with multiple late payments post charge-off, which is redundant and misleading. A charge-off already indicates the account is delinquent, and further late payments are inaccurate.

2. Inconsistent dates of delinquency and charge-off compared to other credit bureaus, violating FCRA 607 ( b ), which requires maximum possible accuracy.

3. Reporting patterns that appear to re-age the account, violating federal law and unfairly extending the statute of limitations.

These inaccuracies not only violate FCRA 611 ( a ) ( duty to investigate ) but also cause significant harm to my credit profile. If you can not obtain verifiable documentation from XXXX XXXX  and XXXX to correct these discrepancies, this account must be removed under FCRA 611 ( a ) ( 5 ). 

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

If you are unable to conduct a reasonable investigation or can not locate the necessary documents to address my disputes, you are obligated by the FCRA to remove the negative information from my credit reports, which may include the complete removal of the account. Additionally, the FCRA mandates that this misinformation should be permanently blocked from any future reporting attempts by your company or any related entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: NV

Complaint narrative:
INNOVATIVE RECOVERY INC continues to report fraudulent information on my credit report, in an effort to collect a XXXX debt that does not belong to me. In XX/XX/XXXX, I asked all three credit agencies to investigate this fraudulent account that showed up on my credit report and all three agencies were unable to validate this debt or confirm the debt was connected to or belong to me and this was removed from my credit reports. In XXXX, INNOVATIVE RECOVERY INC once again added this XXXX debt to my credit XXXX and XXXX credit reports. Once again, I asked XXXX and XXXX to investigate this debt, as it does not belong to me. After disputing this debt, INNOVATIVE RECOVERY INC then added this XXXX debt to my XXXX credit report. The amount is the same, however the debt is now listed with no account number. At this point, this company appears to be harassing me and negatively impacting my credit worthiness and I would like them to cease from accessing and/or adding fraudulent debts to my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

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 2025-01-04 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: MD

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX : Cease and Desist Request for Deletion of Collection Account Dear XXXX  XXXX XXXX XXXX, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of debt, including any fees or interest.

3. Date of Last Activity 4. Full accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this det.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

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