vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-09 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-09 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I stayed at the XXXX XXXX XXXX by XXXX from XX/XX/XXXX to XX/XX/year>. My reservation, which clearly states that it includes taxes and fees shows a total of {$480.00}. On XX/XX/XXXX, I was charged {$590.00}, an overcharged of {$100.00}. No other charges where incurred during my stay, as shown on the bill. I tried to dispute this with Citibank, showing the reservation, as well as the bill from the hotel. They have rejected the dispute several times saying I have not provided sufficient proof, without any specifics, as if they have not even looked at the proof submitted. After over 5 different phone calls and resubmitting the information several times, they have once again, denied the dispute without clear reasoning. Therefore, I have decided to submit this formal complaint.

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 2025-01-09 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: OH

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
Me and my husband went on vacation to XXXX XXXX for our anniversary and new years. On XX/XX/XXXX I called M & T customer service to get my withdraw limit increased as I already was at my limit. I spoke with a man and he asked me security questions to verify myself and that it was my account. I answers all questions including the last four digits of my social, debit card number and last transaction. He was processing to increase my withdraw limit and then told me he couldnt. He didnt give an explanation he just told me that he couldnt after telling me he could. I got off the line with him and called back to speak to another representative as I didnt feel as though he was trying to help me. I spoke with a lady and I went through the same process. She was able to approve the limit increase. I went to withdraw money out of the ATM as I just got the limit increased. It didnt work after I tried multiple times. I went to another ATM and tried the same thing. I continued to get the same error message about my debit card. I waited until 12 which was new years and tried again. I still continued to get the same message. I called back again and spoke with a representative and I explained the problem I was having. I was informed then that my card was reported stolen. I asked how could it be reported stolen if I didnt report it and I just called and spoke with two different representatives to get my withdrawal limit increased. I was told by the representative that they are only the overnight team that I had to call back tomorrow morning. I called back the next morning which is now XX/XX/XXXX. It is now new years and the bank is closed. I waited on hold for 3 hours and 20 minutes before I talked to another representative and asked about why my card was reported stolen and if I could get the employee name or ID number she said she couldnt give me that information and put me on hold. The phone disconnected and hung up. I called back again talked to another representative and asked the same thing and she was able to provide me with the employee ID who reported my card stolen without my authorization which is ( # XXXX ). I stated that I am on vacation and dont have any money to be able to access as all of my money is in that bank account that I wouldnt even be able to eat or get back to the airport to go home. She gave me a number to call energy card service to see if they could help. They was not able to help as the only solution they had was to mail me out another debit where I was vacationing at and they did not have a time period of when I would receive that debit card. I was celebrating me and my husbands 7th year anniversary and new years without any access to any of my money out of state in XXXX XXXX and there was no M & T bank in XXXX XXXX that I couldve went to.

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 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Hello- It is still being reported that I have a balance on my PORTFOLIO RECOVERY but I have settled that account. I redisputed with XXXX with provided documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I had a house fire in XXXX of XXXX XXXXXXXX XXXX is trying to complete my claim and pay off my house but Bank of America isnt complying and giving them the information that is needed.

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 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I deposited a check into a new Huntington bank checking account on XX/XX/year>. The money was held as told and was released on XX/XX/year> and received an email confirmation of this. Went to the XXXX branch to either wire the money out or to get a check and they would not and the female manager kept saying their system doesnt know when the funds would be available and would not release any money despite showing the confirmation email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I attempted to transfer funds to my bank account from my Money Network card, which is the new card provider for XXXX. The transfer option is available on their platform, but despite multiple attempts, I was unable to complete the transfer. 

I tried the transfer four times over a span of three days, using the following methods : Desktop platform Mobile app Automated phone system Each attempt was denied. Afterward, I contacted customer service and spoke with several representatives. During these calls, I was unable to get any clear explanation as to why the transfer failed, and no representative offered any assistance in completing the transaction. Instead, I was only provided with alternative options, such as using an ATM or requesting a cash advance. 

The most recent interaction with a representative took place today, and the issue remains unresolved. 

The system allows a bank transfer, but it fails every time I attempt it. 
Customer service reps were unable to provide a reason for the failed transfers or assist me in completing the transaction. 
I am seeking clarification on why this issue is occurring and how it can be resolved promptly.

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 2025-01-09 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: DE

Complaint narrative:
When handling disputes XXXX uses faulty intake procedures, and does not accurately convey all relevant information about disputes to the original furnisher. XXXX routinely and uncritically accepts the original furnishers response to the disputed information, even when the response was improbable or illogical on its face, or where is XXXX has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, XXXX sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing ambiguous, incorrect, or internally inconsistent. XXXX has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, XXXX improperly reinsert inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report has been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a few furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: DE

Complaint narrative:
When handling disputes XXXX uses faulty intake procedures, and does not accurately convey all relevant information about disputes to the original furnisher. XXXX routinely and uncritically accepts the original furnishers response to the disputed information, even when the response was improbable or illogical on its face, or where is XXXX has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, XXXX sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing ambiguous, incorrect, or internally inconsistent. XXXX has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, XXXX improperly reinsert inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report has been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a few furnisher.

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 2025-01-09 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: NV

Complaint narrative:
Im writing out of sheer frustration because Ive noticed consistent inaccuracies in my report that are seriously impacting my scores. These errors arent just numbers on a page; theyre affecting my future opportunitieswhether its access to better financing options or even job-related prospects. Its exhausting to keep seeing mistakes that Ive had no control over damage my credibility and limit my progress. Ive worked too hard to let incorrect information pull me backward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX, I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. I request that my current address be updated accordingly. 

XXXX. Wrong Employers : My current legal employers is : XXXXXXXX XXXX XXXXXXXX XXXX XXXX. 

XXXX. Wrong Date of Birth : My Date of Birth is : XX/XX/year> Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-01-09 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: FL

Complaint narrative:
I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX, I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]. I request that my current address be updated accordingly. 

XXXX. Wrong Employers : My current legal employers is : XXXXXXXX XXXX XXXXXXXX XXXX XXXX. 

XXXX. Wrong Date of Birth : My Date of Birth is : XX/XX/year> Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-01-09 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX was a hard inquiry on my credit report. I contacted them to find out it was a company out of XXXX The company stated i did not have any account under my name. Yet someone tried to use my social to open a card with this location. The application was denied for information issues, but still is a hard inquiry on my account. Now i am in the process of disputing this on all credit bureaus for fraud, and put a fraud alert on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: KY

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
I recently review a copy of my credit report and notice i had fraudulent account on my report please remove this account from my report they are hurting my ability to obtain credit thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: AL

Complaint narrative:
XXXX ] [ XXXX XXXX XXXX  [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/year> ] XXXX Transunion XXXX Subject : Request for Investigation and Removal of Negative Items Dear XXXX, Transunion, XXXX I am writing to formally dispute certain items that appear on my credit report dated [ XX/XX/year> ]. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. Achieve Personal Loans I have reviewed my credit report, and I believe that the entries listed above contain inaccuracies or outdated information that do not accurately reflect my credit history. 

Provide a brief explanation of why these items are inaccurate ( e.g., paid off, incorrect balance, identity theft, etc. ). Be sure to include any relevant evidence you might have, such as payment receipts, correspondence with the creditors, or identity theft reports. ] According to the 15 U.S. Code 1681 Fair Credit Reporting Act, I am entitled to dispute inaccurate information contained in my credit report. I kindly request that you investigate these accounts and confirm their accuracy. If you find that these accounts are indeed inaccurate, I ask that you remove them from my credit report as soon as possible. 

Please find enclosed copies of any supporting documentation that substantiate my claims. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your help in resolving this issue. 

Sincerely, 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 non-monetary relief