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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: AZ

Complaint narrative:
This letter constitutes a formal complaint against XXXX XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, for engaging in fraudulent business practices. On XX/XX/year>, XXXX XXXX XXXX XXXX, a XXXX  XXXX, pre-paid XXXX {$6200.00} for proposal writing services as detailed in the website services description. XXXX guaranteed two proposals per month for twelve months. 

To date, XXXX has failed to deliver any proposals. Furthermore, evidence suggests that XXXX misrepresented the employment status of individuals involved in our case. A purported proposal writer contacted me via XXXX, admitting they were not employed by or affiliated with FGA. This and similar complaints filed by twenty-eight other businesses strongly indicate a pattern of intentional and fraudulent conduct. 

FGAs actions have caused significant damage to XXXX XXXX XXXX XXXX, resulting in the loss of potential government contracts. Despite the lack of service provision, XXXX continues to attempt unauthorized withdrawals from our bank account. 

We request an immediate investigation into XXXX  fraudulent activities, including but not limited to, misrepresentation and breach of contract. We also ask that XXXX be ordered to cease all attempts to withdraw funds from our account. All supporting documentation, including the contract, XXXX communication, and bank records, are available upon request. 

We contacted our bank, Bank of America, to file a fraud claim and rectify the situation. Bank of America put a stop payment on the check, returned our funds, and later reversed the decision and paid XXXX. 

Bank of America Customer Satisfaction Department XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Lendmark Financial Services
State: VA

Complaint narrative:
In XXXX, I discovered I did not own the car I financed through Lendmark. I am paying on something I will never own or receive the title too. The paperwork was never filed through the dealership to reflect me as the owner or landmark as the lien holder. The car has a dealer tag on it which is what the dealership gave to me to use after they gave me three 30 day tags in a row. Lendmark has not tried to assist me with canceling the debt or tried to help with getting the title to the car. I can not drive the car because I am not the legal owner per DMV. I z called Lendmark corporate office to file a complaint over two week ago, ticket # XXXX, and no one still gave contacted me. When I called to follow up they said XXXX is the only one that can assist me.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was notified that all of my personal information was leaked in a recent credit reporting agency data breach.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I was notified that all of my personal information was leaked in a recent credit reporting agency data breach.

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 — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Capital One 's handling of its 360 savings accounts & interest rates, particularly in light of the recent CFPB lawsuit highlighting significant misleading and mishandling of the interest deposits. Despite using Capital One numerous times and reporting discrepancies, my financial institution failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Capital One has not only neglected to protect consumers but broke our trust in banks. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I opened a XXXX XXXX Chase credit card on XX/XX/XXXX. Very soon after opening the card, I received a notification that there was a {$660.00} purchase from XXXX on XX/XX/XXXX and it posted on XX/XX/XXXX. I did not make this purchase and I didn't even have a XXXX account ( I did create one after to check if there was any order history under my email, which there was not ). I had not even received my physical card yet, ah I couldn't even tell the phone rep what my security code on this card even was. 

Once it posted, I submitted a fraud dispute claim to Chase on XX/XX/XXXX and received a confirmation email on XX/XX/XXXX. They said I would hear back by mail. 

I have received no word on this matter, the balance still shows in my account, and I would like this matter to be resolved and the charge cleared from my statement balance.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my credit report. Specifically, my credit report contains names that are not associated with me. This erroneous information is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of any disputed information and correct or delete any inaccuracies within 30 days. Furthermore, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain maximum possible accuracy in consumer reports. The presence of incorrect names on my report indicates non-compliance with these provisions. 

I request that the CFPB take immediate action to ensure the removal of any and all incorrect names from my credit report. Attached, please find a copy of my identification and a copy of my credit report incorrect information for your reference. 

Please provide written confirmation of the removal of this inaccurate information at your earliest convenience. If further information is required, I am available to provide any necessary documentation. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my credit report. Specifically, my credit report contains names that are not associated with me. This erroneous information is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of any disputed information and correct or delete any inaccuracies within 30 days. Furthermore, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain maximum possible accuracy in consumer reports. The presence of incorrect names on my report indicates non-compliance with these provisions. 

I request that the CFPB take immediate action to ensure the removal of any and all incorrect names from my credit report. Attached, please find a copy of my identification and a copy of my credit report incorrect information for your reference. 

Please provide written confirmation of the removal of this inaccurate information at your earliest convenience. If further information is required, I am available to provide any necessary documentation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX 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 — Information belongs to someone else
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 2025-02-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: GA

Complaint narrative:
Dear equifax, I have sent multiple letters stating that these accounts were due to fraud and needed to be removed. All of my letters were received and disputes were not processed. These accounts were opened fraudelently and need to be removed asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ACIMA CREDIT, LLC
State: AR

Complaint narrative:
I started going through Acima XXXX XXXX. 
My payments were {$97.00}. I never missed a payment. On XXXX XXXX, i lost everything in a house fire including the furniture i got through them. I reached out to Acima Immediately to try to end the contract. They told me to send proof of everything and i did just that. I sent pictures of the furniture and the fire statement. After that they basically told me i was responsible for the furniture and i should have gotten it out. I havent heard from them since. Now they are trying to sue me for fraud.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to delete all erroneous files on credit and they do not comply. All credits on report are outdated old and have mis information. Please delete.

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: Experian Information Solutions Inc.
State: SC

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 account listed without my expressed written consent.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
No knowledge of applying for a loan from this company

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: OH

Complaint narrative:
XX/XX/XXXXXXXX  I have one single address on my report. I've been updated my addresses that were tied to these illegal fraud collections and accounts. These needs to be removed asap!!! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684, 1692g these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$470.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$160.00}

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 — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one bank I have called because I did not open this account and each time they give me the run around. I would like documents and proof that this account was open in my name. My credit score is tanking because of this issue.

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:
I am filing a complaint agaiest 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's 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. These are the accounts I have been consistently having the errors with XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XXXX XX/XX/year> )

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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation