vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I filed a Billing dispute with Bank Of America for misuse of funds. A company that I hired to XXXX a legal dispute used my Bank of America account for monthly payments without my permission. I have a legal contract with the company listing a whole different banking account and bank of America claims my 1st dispute was denied because I gave someone access to use my credit card information. That's not true I have had this account for years prior to being married it's not something I own with my wife. After speaking with the bank I was told, the claim was done wrong and to fax over the contract and all my emails and messages showing the lawyers office admitting they used the wrong and account and would refund me the money. XXXX XXXX XXXX  who I files a grievance with for collection {$3500.00} as a retainer and hasn't done XXXX thing on my case besides send a letter. I'm owed the XXXX because it was taken from my Mortgage bank account that they didn't have permission to use. Now Bank Of America has my account in the negative and I want a more detailed explains to why I can't get the money back.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my second attempt to resolve a clear violation of the Fair Credit Reporting Act. As the directly affected consumer, an immediate response is expectednot an automated or generic reply. Any further delay or failure to act will be considered willful noncompliance, exposing the responsible party to severe legal consequences and substantial monetary penalties for each violation. The unauthorized account in question is XXXX XXXX XXXX Account Number : XXXX. Reporting this account violates 15 USC 1681b ( 2 ), which explicitly prohibits the furnishing of credit information without the consumers written consent. No such authorization was ever provided, making the presence of this account on the credit report illegal. This reckless misreporting has already caused significant financial harm, credit denials, and XXXX XXXX, all of which increase liability under the law. An immediate and permanent deletion of this account is demanded. Verification through automated systems such as E-OSCAR will not be accepted, as that does not satisfy the FCRAs reinvestigation requirements. A proper manual review must be conducted, and written confirmation of deletion, along with an updated credit report, must be provided within 14 days. Failure to comply will result in immediate legal action to hold the responsible party accountable for knowingly violating federal law, with maximum damages aggressively pursued for this unlawful reporting. This matter requires urgent attention.

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 — Information belongs to someone else
Company: CBC Companies, Inc.
State: MA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: GA

Complaint narrative:
I was charged {$69.00} by XXXX on XX/XX/XXXX, for a purchase made on their website. However, I was refunded directly by XXXX on XX/XX/XXXX, for this charge. On XX/XX/XXXX, Discover applied a temporary credit of {$69.00} to my account in relation to this charge, and I was informed that a dispute was opened. On XX/XX/XXXX, Discover reversed the temporary credit. 

Despite the XXXX refund being issued before Discovers temporary credit, I was informed by Discover that I am not responsible for the XXXX charge, but for the other expenses that the {$69.00} credit covered. I have provided proof of the XXXX refund on XX/XX/XXXX, but Discover continues to hold me responsible for the {$69.00} balance, which I believe is an error. 

I have requested clarification and resolution, but I am still being told I owe the balance, despite the refund from XXXX. The current {$69.00} balance should be removed, as I am not responsible for the charge after receiving the direct refund from XXXX.

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: OH

Complaint narrative:
I am writing to formally demand the immediate removal of a fraudulent account from my credit report. After reviewing my credit file, I discovered an account that was opened without my knowledge or consent. This is a clear case of unauthorized and fraudulent use of my identity, and I am taking this matter very seriously.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: WY

Complaint narrative:
I had though I had been making an investment. I made several transactions. When i tried to withdraw cryptom.com refused any solution. I paid a private company to trace where the money had gone. It is still in that account. They refuse to give the money back I am paying currently every month for a crime that has been committed to me. I would like to recieve my funds back so I can resume my life. Crypto.com wont even investigate while others are being scammed out of thier life savings. I have sent them documentation proving this situatuon yet the matter is unresolved

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Early this month I noticed several discrepancies and an accurate dates and items on my credit bureau. I filed disputes with XXXX, XXXX XXXX and XXXX and the process of my investigation. They have been investigating and adjusting dates and changing notation that is moving my credit up and down I have asked for validation of debt I have asked for a list of how they properly investigated the process. They have not sent me any letters nor have they discussed how they came to conclusion that the debt is accurate. I feel like my rights are being violated. 1681I section 5 also FCRA SECTION 605B It is illegal to report anything without my permission. I want this account deleted

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: VA

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: 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 need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 — Account status incorrect
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I was involved in an accident and my vehicle was deemed a total loss. 
I reported that to Ally and continued to make payments. 

My insurance claim XXXX sent over a the first request for a letter of guarantee on XX/XX/XXXX. The followed up with the XXXX request on XX/XX/XXXX then the third one was on XX/XX/XXXX and the XXXX one was on XX/XX/XXXX finally they sent the LOG on XX/XX/XXXX the insurance settlement check was presented for payment on XX/XX/XXXX in the amount of {$37000.00}. Primarily due to the delay that Ally caused in processing the XXXX of XXXX. 

My insurance settlement check was issues and sent to Ally on XX/XX/XXXX via wire transfer. 
Payment Information Disbursement Number : XXXX Total Amount : {$37000.00} Draft Number : Invoice Number : XXXX Pay to the Order of XXXX XXXX XXXX  Mailing Address : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Payment Of : Progressive Invoice Number : XXXX Ally didn't apply the payment until XX/XX/XXXX. Additionally I made a payment of my account on XX/XX/XXXX for {$450.00} which would stop me from being past due. The current status of my account is not past due. My account was not past due because I made a payment plus Ally had received my insurance settlement before the 30 days. If it was done after the 30 days it was due to Ally 's delay in processing everything else. 

Lastly on XXXX/XXXX/XXXX I called Ally on a recorded line and spoke to their rep asking if they had reported me 30 days late or past due and he verbally confirmed that I was not reported past due.

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally demand the immediate removal of a fraudulent account from my credit report. After reviewing my credit file, I discovered an account that was opened without my knowledge or consent. This is a clear case of unauthorized and fraudulent use of my identity, and I am taking this matter very seriously.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly ensure the unauthorized accounts on my credit report are blocked and removed without delay. I did not open or authorize these accounts and am unaware of their origins. Under USC 1681g, I formally request their removal within 15 days. Relevant documents have been included for your review.

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: TX

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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: TX

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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

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 XXXX 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. 


XXXX 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.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

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 XXXX 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. 


XXXX 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.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Heres a concise dispute statement you can submit to the **Consumer Financial Protection Bureau ( CFPB ) : ** -- - **Subject : ** Failure to Provide Credit Report FCRA Violation Dear CFPB, I am filing a complaint against TransUnion for failing to provide my legally mandated free annual credit report. On [ date ], I requested my credit report through XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), but I was not granted access. On XX/XX/year>, I called TransUnion directly to resolve the issue, yet my report was still never delivered. I am also unable to file a dispute for inaccurate information. I requested assistance and they have failed to complete this as well.

Under the **Fair Credit Reporting Act ( FCRA ) **, TransUnion is required to provide me with a free credit report upon request once every 12 months. Their failure to do so is a direct violation of this federal law. Due to their noncompliance, I request that all items on my TransUnion credit report be removed immediately, as I have been denied the opportunity to review and dispute any inaccuracies. 

I ask the CFPB to investigate this matter and ensure TransUnion upholds its legal obligations. Please advise on the next steps I should take.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This account with XXXX  has been ongoing since 2019, appearing in my credit report, I have provided the police reports, affidavits, ftc reports, this account is not mine, my identity was stolen I provided proof of that, its been XXXX yrs and this account is showing in all three bureaus

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:
This account with XXXX  has been ongoing since 2019, appearing in my credit report, I have provided the police reports, affidavits, ftc reports, this account is not mine, my identity was stolen I provided proof of that, its been XXXX yrs and this account is showing in all three bureaus

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