vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Complaint Against XXXX and Bank of America Account Opening Declined Due to XXXX Validation Issue Dear Consumer Financial Protection Bureau, I am experiencing an ongoing issue with opening a savings account at Bank of America. Despite having an excellent credit score and strong consumer behavior, I have repeatedly been declined from opening an account and applying for credit. 

The reason cited for these denials is that XXXX can not validate my credit file, which prevents Bank of America from proceeding with my account opening. I have previously contacted XXXX to resolve this issue, and they assured me that it was resolved within XXXX days. However, upon reapplying, I was met with the same denial for the same reason. 

I am submitting evidence of both instances where I attempted to open an account and was declined. This ongoing issue is causing significant harm to me as a consumer, as I am unable to access the credit I need for both personal and business endeavors. 

I kindly request that the CFPB hold XXXX and Bank of America accountable for this matter and assist in resolving it promptly. 

The inability to open a savings account and apply for credit due to Experians failure to validate my file constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ), as it unjustly hinders my access to financial services with a public institution. 

Thank you for your attention and assistance. 

Best regards, XXXX XXXX XXXX XXXX - XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
Experian 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 Experian, 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, when Experian 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 Experians inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: AR

Complaint narrative:
I DEMAND THESE INQUIRIES ARE PERMEATED DELETED FROM MY CREDIT PROFILE IMMEDIATELY. SEE ATTACHED DOCUMENT.

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 2025-01-24 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: OR

Complaint narrative:
I found out after the fact that my ex GF opened up some loans and cars and even an apartment in my name. I want just to have this stuff taken off my credit since its not mine.

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 2025-01-24 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: KS

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Company was not updating my credit information correctly and deleting incorrect information on my accounts.

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 2025-01-24 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:
Company was not updating my credit information correctly and deleting incorrect information on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-01-24 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: TX

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on 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 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
This issue regards my dealings with Barclays regarding a XXXX credit card ( www.barclaycardus.com ). 

On XX/XX/XXXX, I received a notification from Barclays that someone had made XXXX redemption of miles on my credit card account. The XXXX redemptions ( XXXX for XXXX " Aeroplan Points '' and XXXX for XXXX " Aeroplan Points '' ) totaled XXXX miles, a {$1400.00} value. I did not make these redemptions myself and suspected they were fraudulent, so I sent Barclays a message via their web portal. Barclays responded on the same day stating that a case had been created and that their investigation would take XXXX billing cycles to complete. 

On XX/XX/XXXX, I called Barclays for an update. They had no record of the case that had been opened, so I explained my situation. The person I spoke with opened a new case and claimed I should receive a message or email within XXXX hours including a case number. I never received such a message. 

On XX/XX/XXXX, I received a letter from Barclays stating that they needed more information regarding my inquiry and that I should call customer service. 

On XX/XX/XXXX, I called Barclays customer service. I was told that the investigation had concluded and that I needed to speak with the security department to setup a password, and the reward miles could then be reimbursed. I was transferred to the security department, but the call was then dropped. I called back and was transferred to the security department once more. I successfully had them add a verbal password to my account. I then asked to confirm that the reward miles were now going to be reimbursed. The person I spoke with had no idea. They then checked the status of the investigation and saw that it was closed. They suggested I opened a new investigation and go through this entire process once more. 

Frustrated, I then asked them to downgrade my credit card to XXXX that doesn't charge an annual fee. They said that was not possible. I asked them to close my account. They put me on hold again, then asked me to hang up and call customer service again due to a " technical issue '' on their side. 

Barclays has demonstrated XXXX ) poor security in allowing someone to fraudulently redeem my reward miles, XXXX ) a lack of communication regarding case numbers and status, XXXX ) a failure to handle the fraudulent activity on my account in a timely manner, XXXX ) a failure to reimburse miles that I am owed, XXXX ) attempts to give me the run around by asking me to start a new investigation as well as asking me to start a new customer service call to close my account.

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 2025-01-24 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: LEXISNEXIS
State: DC

Complaint narrative:
Lexis Nexis 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 LexisNexis 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 LexisNexis inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: WI

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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2023-CFPB-000X ). 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: IN

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: SC

Complaint narrative:
I have tried to resolve this matter with Experian numerous times please see the attached statement

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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc.
State: MI

Complaint narrative:
I am filing this complaint against Unifin for harassment, unlawful communication, and violations of the Fair Debt Collection Practices Act ( FDCPA ). Unifin has repeatedly contacted me by phone and text in an attempt to collect a debt that does not belong to me. They are attempting to collect a XXXX debt on behalf of XXXX XXXX that belongs to a third party ( a friend of mine ). I know for a fact that my friend did not provide Unifin with my phone number or address as a point of contact for this debt. 

Unifins actions violate several provisions of the FDCPA, including : 15 USC 1692c ( a ) : Prohibited communication with a third party.

15 USC 1692c ( b ) : Unauthorized disclosure of debt to a third party.

15 USC 1692e ( 10 ) : Use of false, deceptive, or misleading means to collect a debt. 
Despite my formal demand letter sent on XX/XX/XXXX, via certified mail ( tracking number : [ Insert tracking number ] ) and email ( sent XXXX XXXX XXXX XXXX  Unifin has failed to respond or take corrective action. Their continued harassment by phone and text is an egregious violation of my rights, and I am seeking accountability for their unlawful behavior. 

Cited Case Law : Unifin has a history of violating consumers rights under the FDCPA and Telephone Consumer Protection Act ( TCPA ). IXXXX XXXX XXXX Unifin XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unifin was found to have violated the FDCPA by engaging in unlawful debt collection practices. In this case, the court ruled that Unifins deceptive collection attempts, including failure to provide validation and unlawful communication, were violations of federal law. Similarly, their actions in my case reflect a blatant disregard for consumer protections. 

Other Documented Cases of Unifin Violations XXXX XXXX  XXXX Unifin, XXXX XXXX XXXX XXXX XXXX XXXX : In this case, Unifin was accused of sending unsolicited text messages and violating the Telephone Consumer Protection Act ( TCPA ) by contacting the consumer without consent. The plaintiff successfully argued that Unifins contact was unauthorized and harassing. 
XXXX XXXX Unifin XXXX XXXX XXXX XXXX XXXX XXXX XXXX : In this case, Unifin violated FDCPA 1692c by contacting a third party regarding a debt without proper authorization. The court ruled in favor of the plaintiff, stating that such actions are intrusive and unlawful. 
Given this pattern of behavior, I am requesting that the CFPB investigate this matter, ensure that Unifin ceases all communication with me, and hold them accountable for their repeated violations of the FDCPA. I am also seeking compensation in the amount of {$5000.00} for harassment, emotional distress, and noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I never received any information about the company obtaining my information and debt. I never authorized the previous company to give my information to said company. I called the company and they informed me that they had acquired my debt, and that they had send me paperwork the previous year to which I said that I had not received anything. They informed me that they will send me all they had.

Said company did not said anything that they claimed to have sent home. I actually learned about the acquired debt through a lawyer that contacted me through mail.

As I mentioned before I never authorized any company to give my information away and again I didnt have knowledge of this company obtaining my debt before getting contacted by a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NY

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal 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