vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing you to formally dispute inaccurate on my credit report that I believe is harming my financial well being. I am aware of my right under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by law. 

Recently, the Consumer Financial Protection Bureau filed a Lawsuit against Experian and Equifax for its failure to properly investigate consumer disputes citing sham investigations and other unlawful practices. These practices as outlined by the CFPB include : Conducting inadequate investigations that fail to properly address, consumer disputes. Reinserting, previous and inadequate information without explanation. 
Failing to notify consumers regarding investigation results effectively. 
These allegations are highly systemic issues that directly undermine consumer protections and perpetuate the illusion of inaccurate information on credit reports. I am deeply concerned that my dispute maybe miss handled in the similar manner.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
HELLO MY NAME IS XXXX XXXX I AM MAKING THIS COMPLAINT BECAUSE I AM A VICTIM OF FRAUD WHO HAS STOLEN MY CREDIT CARD AND THE CREDIT CARD OF MY AUTHORIZED USER [ XXXX XXXX ] BOTH CARDS HAVE ALWAYS BEEN WITH ME EVEN IF I HAD NOT GAVE THEM TO MY AUTHORIZED USER, BUT SOMEONE STOLE MY CREDIT CARDS TO MAKE FRAUDULENT PURCHASES, AND CURRENTLY MY ACCOUNT HAS A BALANCE BECAUSE OF THE FRAUD..

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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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: EQUIFAX, INC.
State: CT

Complaint narrative:
Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
i'm just learning that i may be a consumer affected by fraud with Bank of America and other banks.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter is to follow up any response from you after XXXX days of investigation. As I reviewed my Credit Report I have noticed that there are still accounts that are reporting as inaccurate and incorrect information. 

Please conduct another investigation to the following information and send me the notification that the disputed accounts has been updated. 

XXXX XXXX XXXX XXXX Balance {$71000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1600.00}

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: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX 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: 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 a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: TX

Complaint narrative:
I am writing to formally dispute the reinsertion of an account on my credit report that was previously deleted. The account in question is : Creditor Name : XXXX XXXX Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( FCRA Section 611 ), if an item previously deleted is reinserted into a consumers credit file, you are required to : 1. Notify me in writing within five ( 5 ) business days of reinserting the account.

2. Ensure that the furnisher has certified the accuracy and completeness of the account before reinsertion.

I did not receive any such notice as required by law, which is a direct violation of the FCRA. Additionally, I request : The method of verification used to determine that this account is accurate, per FCRA 611 ( a ) ( 7 ). 
All supporting documentation that was relied upon in verifying this account. 
Proof of my liability for this alleged debt, including a copy of any original signed agreement. 

If you can not provide this information, you must immediately delete this account from my credit report. Failure to comply with the FCRAs reinsertion rules may result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as potential legal claims under FCRA 616 and 617 for damages. 

Please investigate this matter and respond to me within 5 days, as required by law. I expect written confirmation of your findings and any actions taken.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 
XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX ( XXXX ) I request please that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$330.00} 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 XXXXXX/XX/XXXX

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. that I believe harming my financial well-being. I am aware of my rights under the FCRA and request a thorough investigation into these inaccuracies, as required by federal law. Recently, the CFPB filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigation '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fall to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may mishandled in a similar manner.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. that I believe harming my financial well-being. I am aware of my rights under the FCRA and request a thorough investigation into these inaccuracies, as required by federal law. Recently, the CFPB filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigation '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fall to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may mishandled in a similar manner.

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: TX

Complaint narrative:
**Complaint Summary : ** I am filing a complaint against the credit bureaus for not removing fraudulent accounts from my consumer report, despite providing all necessary documentation, including a police report, FTC report, identity verification documents ( driver 's license, Social Security card ), and a dispute letter requesting the removal of fraudulent items. The accounts in question do not belong to me, and I have followed the proper steps to report the fraud.

**Detailed Description : ** I recently checked my consumer credit report and noticed several accounts listed that are fraudulent and do not belong to me. Upon discovering this, I immediately reported the fraud to the police and filed an Identity Theft Report with the Federal Trade Commission ( FTC ). I also provided copies of my drivers license, Social Security card, and a dispute letter requesting the removal of these fraudulent accounts. 

Despite submitting the necessary documentation, the credit bureaus have failed to take appropriate action in a timely manner. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to block and remove fraudulent information within 2-4 business days of receiving notice of identity theft. The FCRA also allows for a 30-day period during which the bureaus can still conduct an investigation, but the fraudulent accounts must be removed or blocked within the initial 2-4 business day window.

I have not received any confirmation that the fraudulent accounts have been blocked or removed from my report. This is a clear violation of my rights under the FCRA. 

I am requesting that the CFPB assist me in ensuring the credit bureaus comply with the FCRA and promptly remove the fraudulent accounts from my report. I also request that any fees or penalties related to this violation be assessed and appropriate action be taken. 

**Documentation Provided : ** - Police report confirming identity theft - FTC Identity Theft Report - Copy of my drivers license - Copy of my Social Security card - Dispute letter requesting the removal of fraudulent 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 2025-02-18 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: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation.

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX  ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is and was my bank. BMO never informed me of a buyout or takeover or anything that requires by law. A letter or email to let me know of something so serious and life changing as this issue of BMO Harris. An entity that took medical and mental and severe issues related to my health. XXXX XXXX employees and multiple XXXX  employees and defrauded a XXXX senior male. Cutting off " all '' money and causing immense and broad health, financial and work and damages of unknown proportions and costs and severing my " Natural born country/USA '' . To go back to when I had XXXX single chance in XX/XX/year>. I had to deal with extremely sensitive issues regarding my life. XXXX single window/chance/moment that " could not be changed '' was not a up for fighting or debate or being treated in the most inhumane way and conditions. Moreover, my XXXX elderly Mom who recently died and was and is still left in some XXXX of unknown location. The intentional actions and pain and suffering became torture and terror. I live second to second and as a result of XXXX inhumane and absolutely direct and intentional disregard for human life and " MY MONEY ''. From Covid to CA fires and total and absolute destruction. Most in the letter attached. If it gets to them. As many letters were directly sent to their XXXX offices and US offices XXXX No......... '' NO '' activity or emails since XXXX XXXX XXXX until Today/Presidents Day USA. 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 2025-02-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation.

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX  ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. 
I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX ( XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On XX/XX/year> ( today ), I requested my CD 's ending in XXXX and XXXX are closed and the funds transferred to my account ending in XXXX. ( Referenced Nos XXXX, XXXX and XXXX ) However, only XXXX XXXX was closed. The remaining CD funds of {$540000.00} are in limbo and will result in a loss of interest to me of {$58.00} per day. 

Moreover, I was told by your agent when my CDs matured that they will continue to earn interest during the grace period at the new grace period rate if the CD is renewed or closed. Im sure the conversation was recorded. I delayed closing the CD because of XXXX ; I am a XXXX veteran. However, today, I was told by a second agent that no interest is paid during the grace period if the CD is closed. This will result in loss of interest to me of {$650.00} and counting until you close the remaining CDs. 

I made my decision from a XXXX XXXX based on your agents comments. Nobody reads all the terms and conditions of a bank, and you know it. At the very least there should have been a statement on your website that if the CD is closed during a grace period no interest will be paid. 

We are long term customers of Ally bank and hope you will make a fair and reasonable decision and adjust for the interest we earned during the grace period ; none of our money ever left your bank. It would be appalling if a bank profited from the interest earned by a veteran who was XXXX in service to our county.

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: MO

Complaint narrative:
Noticed unauthorized inquires on my credit report and would like it to be removed. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation