vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 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 2025-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IN

Complaint narrative:
Chime took my account from me after they didnt give me my money from work on time. They said it was a fraudulent payment which I have gotten paid like that before so they close my account and wouldnt let me use it or my overdraft I had on there. My bills became behind and got kicked out of house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: MI

Complaint narrative:
I have a late report on my credit profile that shouldnt belong. I have recently went and spoken with the branch manager, and they have also agreed I have never been late on payments. They told me that they will fix the error due to them hiring new clerks, and it being her fault. I was told that I would not have to worry, but I still got a late report and now theyre telling me its nothing they can do and they are sorry. I would like this late removed off my profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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:
I paid my loan in XXXX and the amount of {$620.00}. They tried to take the funds from a different account that account bounced because the money wasnt in that account. The {$620.00} was processed on XXXX XXXX. They are marking my account as two months behind due to the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX my loan is normally due on the XXXX and I have not paid my loan yet and well on this coming Friday, which is the XXXX when I called the woman said they will report whatever the XXXX they want For any length of time they choose basically letting me know even if it was XXXX minutes late they will report in which I know all car loans have a grace period of a few days. I have never had this issue other than Im trying to recently the past few months take funds from another account. Was it on my profile since I have two car loan I feel like their company is being very fraudulent and needs to be held accountable for their actions. I recently just got denied an apartment because my credit score just dropped over XXXX points. I was a XXXX and now just went to a XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I paid my loan in XXXX and the amount of {$620.00}. They tried to take the funds from a different account that account bounced because the money wasnt in that account. The {$620.00} was processed on XXXX XXXX. They are marking my account as two months behind due to the fact I am on a medical leave my loan is normally due on the XXXX and I have not paid my loan yet and well on this coming Friday, which is the XXXX when I called the woman said they will report whatever the hell they want For any length of time they choose basically letting me know even if it was 10 minutes late they will report in which I know all car loans have a grace period of a few days. I have never had this issue other than Im trying to recently the past few months take funds from another account. Was it on my profile since I have two car loan I feel like their company is being very fraudulent and needs to be held accountable for their actions. I recently just got denied an apartment because my credit score just dropped over XXXX points. I was a XXXX and now just went to a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a formal complaint against bank of america regarding their mishandling of my cashiers check and their unreasonable policy that prevents me from accessing my funds for 121 days due to an error caused by their employees. 

1. Bank 's Negligence in Addressing and Sending the Check On XX/XX/scrub>XXXX  bank of America closed my account and issued a cashiers check for my remaining balance. However, the bank sent the check to an incorrect address, which is neither my prior residence nor the address listed on my bank statements. I have rental agreements and past bank statements to prove that I never updated my address to the incorrect one used by the bank. 

Despite my complaints, the bank refuses to acknowledge its mistake. If the bank continues to deny responsibility, I request that they provide call recordings or internal records showing that I authorized an address change, which I never did. This mistake was a result of the banks internal errors, and I should not be penalized for their failure. 

2. Unreasonable and Unfair 121-Day Policy When I reported that I did not receive the check, I was informed that the bank would not issue a replacement check until 121 days had passed, unless the original check was returned. This policy is unreasonable and places an excessive burden on consumers, especially since the mistake was made by the bank. 

Other banks have much more reasonable policies : XXXXXXXX XXXX XXXX When I reported a missing check, XXXX immediately reissued a new one. 
XXXX XXXX : Allowed me to withdraw my funds before account closure, ensuring I had access to my money. 
By contrast, BOAs policy creates an unnecessary and excessive restriction on my ability to access my funds. It is significantly more restrictive than industry norms and causes undue financial hardship.

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 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
First to give you some background, I am in my XXXX 's and recently ( starting the beginning of XXXXXXXX XXXX ), i started noticing frand ( many charges on various credit cards ) that I did not make. My complaint is with BJ '' s Capital One credit card. I called them to address various charges on my card that I did not make. Of course, they closed the account and after investigations took off the charges. Then just today I received a letter saying that one of the charges I was responsible for. To also give you some additional information, I have only ever used my BJ 's Capital One credit card at my local BJ 's store and at my local BJ 's gas station. Never in my history of owning the card, have I used it like a regular credit card. The charge the said I was responsible for was from a site by the name of XXXXXXXX XXXX XXXX XXXX XXXX  in the amount of {$2500.00}! They said that this charge was made with the card! I have always had the card in my possession so i do not know how this could be. There were also charges from XXXX XXXX on other credit cards that they refunded. I am besides myself with XXXX XXXX XXXX XXXX XXXXXXXX XXXXr XXXX. I need help with his or I will call a lawyer. Can you help me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
15USC 1692 XXXX The debt collector ( BANK OF AMERICA # XXXX & XXXX ) was notified according to 15USC 1692 XXXX but they are still communicating information to my consumer. 
BANK OF AMERICA XXXX XXXX XXXX, XXXX XXXX TX XXXX Phone Number ( XXXX ) XXXX Re : Account # XXXXXXXX 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 2025-02-12 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:
Subject : Request for Removal of Unverifiable Accounts Dear Credit Reporting Department, I am writing to formally request the removal of an accounts from my credit report as reported by [ Equifax ] This request is based on the recent deletion of an accounts by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-os for ( XXXXXXXX XXXX XXXX XXXX account : XXXX XXXX XXXX account : XXXX XXXX XXXX XXXX  account : XXXX XXXX XXXX XXXX XXXX XXXX. account XXXX XXXX XXXX ) The companies listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of ( XX/XX/year> ) According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 

Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right. 

to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from Transunion associated with XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, Transunion has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 2025-02-12 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: LA

Complaint narrative:
Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ).

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXXXXXX XXXX XXXX XXXXXXXX - {$5800.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( 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 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to XXXX XXXX XXXX it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant XXXX XXXX XXXX ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
According to 15. U.S.C 1692C you have violated my right by in lawful communications please remove this collection off of my credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: DISCOVER BANK
State: GA

Complaint narrative:
According to 15. U.S.C 1692C you have violated my right by in lawful communications please remove this collection off of my credit report thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I bought a XXXX XXXX at Best Buy on XX/XX/XXXX for {$690.00} to be paid without interest in one year. I have already made XXXX payments and they are charging me {$13.00} in monthly interest, which should not be the case since it was financed for 12 months. I hope they find out why, just like me, they may be doing the same to many others. 

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 2025-02-12 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: FL

Complaint narrative:
please check the information concerning the Equifax data breach below in attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
I have been a victim of identity theft since XXXX this person was able to obtain a car loan in my name via the internet I'm assuming I asked the cat lot for video surveillance but they do not have it this car has been in my credit since XXXX I have disputed multiple time the company only send a contract with a made up email no signature of mines just electronic

Company response to consumer: Closed with explanation