vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: MS

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been requesting for my credit report and score for 2 years. Transunion has a duty to report information on me and have it available to me when asked.

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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF 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 2025-03-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/XXXX XXXX place a conservatorship into XXXX XXXX therefore the report about FHFAs Oversight of XXXX XXXX Default-Related Legal Services FEDERAL HOUSING FINANCE AGENCY OFFICE OF INSPECTOR GENERAL Audit is very important to my concerns about my loan. OUT OF THE MOUTH OF XXXX XXXX XXXX : SCHEDULE OF LOANS PURCHASED FROM XXXX DOES NOT EXIST ; NO ASSIGNMENTS OF MORTGAGE, NO ALLONGES OR ANY EVIDENCE OF TRANSFERRING OWNERSHIP OF LOANS FROM XXXX TO XXXX  and yet these banks recorded in court records on XX/XX/XXXX fraudulent assignments etc. Recorded as Grantor, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and Grantee BANK OF AMERICA NA and the last being BofA XXXX XXXX XXXX XXXX XXXX. 

Throughout the term of our loan with these bank associations and the collegial accountancy of loan numbers sewn between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank of America N. A. , Bank of America, Bank of America XXXX  XXXX XXXX The Federal Deposit Insurance Corp.Bofa XXXX XXXX XXXX XXXX XXXX XXXX and any other entities we have discovered that the equity was depleted, fraud in the escrow accountability, funds were not transacted to a trust on time rather they were circulated in a private fund and or bank account etc. All of them at one time or another stating that such as Bank of America N.A. holds the duly endorse Note and is current assignee of the Security Deed to our property. Bank of America N.A. and all banks listed that they were acting on behalf of and necessary, in consultation with XXXX XXXX XXXX  XXXX ( XXXX XXXX ) the current investor on our loan, is the entity with the full authority to negotiate, amend and modify all terms of our loan yet it is stated by and in accordance with the XXXX XXXX Trust Indenture and Custodial Agreement, XXXX XXXX would have taken legal title to this loan in XXXX and would have in its possession the original note of XXXX XXXX and fully executed assignment of mortgage dated sometime in XXXX, the loan origination date and prior to the XXXX  Issue Date. 

As the supposed entity indebted to this loan I am requesting the original note and fully executed assignments of mortgage dated sometime in Original XX/XX/XXXX XXXX XX/XX/XXXX thus a professed ownership by XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX have been denied this opportunity to review any wet ink documents as pertaining to our BofA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX In XXXX We Trust XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX I rented a car with XXXX car rental agency at the XXXX XXXX. I did not see damage outside of the damage listed on the agreement. 

XX/XX/XXXX I returned the rental car at the XXXX agency in XXXX XXXX. The agent walked around the car, checked the mileage, took our keys and said we are good to go. Did not alert us to any damage on the car, as there was no damage aside from what was listed on the initial agreement. I received a return receipt that noted no issues. 

XX/XX/XXXX 2 days after I returned the car, I received an email stating there is a " change in vehicle condition '' - a scratch on the rear bumper. I filled out the requested form stating I did not cause this damage- and no, the damage was not there when we picked it up, and not there when we dropped it off, so we did not have a picture to prove the damage existed previously. 

XX/XX/XXXX XXXX a month after this car rental, I received a picture of the " damage '' that they claimed to have been during my rental period, with no time stamp or proof that this occurred during my rental. This damage clearly is false, or occurred outside of my rental period. The picture was clearly taken after I left the rental car at the XXXX agency in XXXX. They requested {$1000.00} for this damage they claimed that I caused. I requested further information or proof that this occurred during my rental period, and did not receive this. 

XX/XX/XXXX I received an email from XXXX claims management that inquires about tire damage and asks for support for my argument that the " tire was defective '' - clearly indicating the disorganization and ignorance of this company as the initial damage claimed was the rear bumper. Upon researching, there are numerous reviews from XXXX customers reporting false claims of damage multiple days/weeks/months after returning the car, similar to my experience. 

XX/XX/XXXX I received a call from Summit AR debt collection agency attempting to collect this debt. That same day, I called this agency to dispute this collection as I did not cause any damage to the car, did not see any damage aside from what was already listed, did not have any pointed out upon return, and did not receive pictures of said damage until over a month after my rental. When I spoke to the agent at Summit AR, they stated " that's not how it works '', were not willing to work with my own claims, but would " note it as a dispute '' anyway. I have not received further information regarding this case. 

Attached are the rental agreement that don't have a signature, claims of this damage I received over a month after my rental, and pictures of claimed damage with no time stamps to show when they were taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America credit Card XXXX XXXX XXXX. XXXX XXXX XXXX Claim N. XXXX =fraudulent charge against our business credit card that occurred on XXXX and XX/XX/year>. We have provided clear evidence of these unauthorized transactions. Twice! Amount {$5700.00}. They verbally acknowledges the banks mistake ver the phone. Later they said that the timescales were delay. Their fault ( one part ) Our company cant afford to lose this money. Please help us

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 2025-03-27 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has denied me access to my own accounts. They have refused to grant me access to my statements or view the status of my account. Despite being explicitly instructed not to do so, they have proceeded with this action in direct opposition to my wishes. This is my money, not theirs. The blatant disregard for my rights is deeply concerning.

Subsequently, after being disconnected, I attempted to contact them again, only to be met with a new requirement : two forms of identification before discussing my own account. This is the same stonewalling behavior I have consistently encountered from them, a tactic employed to prevent individuals from gaining access to their information. I am seeking your assistance in rectifying this situation. 
I strongly suspect that they disconnected me specifically to prevent me from requesting further information about my account. This behavior is unacceptable and should not be tolerated by any institution. Customer service in todays era has deteriorated significantly. It has become a priority for the large corporations rather than the consumers they serve. Their needs and desires seem to outweigh the needs and desires of the individuals they interact with. This lack of accountability allows them to treat customers like I have been treated, with appalling disregard. 
I have recorded the conversation, although it would be preferable if it were in writing. Unfortunately, they have declined to provide written documentation to support their actions. Instead, they have attempted to evade responsibility by claiming that they did not say anything or that I never heard it. However, I have recorded the conversation for my quality insurance policy. If there is any way I can forward the recording to you, I would be more than willing to do so. 
The current state of customer service is appalling. It has devolved into a system where consumers are treated as mere numbers rather than individuals. We must strive to restore the XXXX that we once knew, where customer service was valued and respected.

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 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I requested a bank of america credit card balance to be refunded to my bank of America checking account, the balance got deducted from my credit but didnt get transferred to my bank of American checking account as requested.

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 2025-03-27 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:
I am in the process of applying for a mortgage, i met all income requirements and was close to a preapproval when the lender informed of a negative account. I called Experian and also submitted a dispute online for an XXXX account reporting a charge off balance of {$330.00}. i called affirm and was informed that i needed to call the XXXX XXXX  XXXX  who was handling the debt. XXXX informed me that the debt was paid in full and there was no balance which totally contradicts what XXXX said and what is reporting on my Experian credit report. I would like this account removed from Experian credit report. It does not belong to me and i have no knowledge of it.

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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to demand immediate correction under the requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Metro 2 Credit Reporting Resource Guide standards. The following items are incomplete, incorrect, or violate my rights under federal law, and I request a full investigation pursuant to XXXX ( a ) of the FCRA. Disputed Items Account Name/Type : XXXXXXXX XXXX XXXX Account XXXX XX/XX/year>. Inaccuracy : XXXX XXXX XXXXXXXX Account XXXX XX/XX/year>. Violation : Failure to report accurately under FCRA 607 ( b ) ( duty to maintain reasonable procedures ) and Metro 2 guidelines. Account XXXX : XXXX XXXX XXXXXXXX Account XXXX XX/XX/year>. Inaccuracy : This account has been removed, and it came back on my credit report. Violation : Reporting of unverified information in violation of FCRA 623 ( a ) ( 1 ) ( A ) ( duty of furnishers to provide accurate data ). Legal Basis for Dispute FCRA 611 ( a ) : You are required to conduct a reasonable investigation within 5 days and correct or delete inaccurate, incomplete, or unverifiable information. FCRA 605 : Prohibits reporting outdated negative information ( e.g., bankruptcies older than 10 years, late payments older than 7 years ). Metro 2 Standards : Inaccurate reporting of payment history, balances, or account statuses violates the Consumer Data Industry Association ( CDIA ) guidelines. Demand for Action Investigate and Correct the disputed items in compliance with Metro 2 standards and the FCRA. Provide Documentation : Supply the method of verification ( MOV ) used to confirm the disputed items, per FCRA 611 ( a ) ( 7 ). Delete or update all inaccuracies immediately and provide an updated credit report. Failure to comply with this request will result in further legal action, including claims for : Willful non-compliance under FCRA 616 ( statutory damages up to {$1000.00} per violation ). Actual damages for harm caused by inaccuracies under FCRA 617. Attorneys fees and costs. I expect written confirmation of receipt and resolution within 5 days. Sincerely, 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 2025-03-26 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2025-03-26 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-03-26 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: LA

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 non-monetary relief
Consumer complaint received 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have not worked since XXXXXXXX XXXX XXXX  I havent applied for anything cause XXXX dont have any income to pay for these things. I need the inquiries removed. I came off work cause I am now 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX through XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692. my rights have been violated 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

According to 15USC 1681EB you are to ensure maximum possible accuracy. This account is not accurate according to the FCRA. I request an investigation to ensure all the information being reported in this account is accurate

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 2025-03-26 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: FL

Complaint narrative:
I Found Inquiries on my report that i don't recognize such as XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation