vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX ) XXXX Regions Bank Corporate Headquarters XXXX XXXX XXXX North XXXX, AL XXXX Subject : Formal Complaint Regarding Unauthorized Transactions and Internal Fraud First one XX/XX/year> XX/XX/year> XX/XX/year> To Whom It May Concern : I am writing to formally report a serious issue involving unauthorized withdrawals from my account at Regions Bank. I was recently informed that these transactions were the result of an internal issueallegedly originating from another branch in a different state. According to representatives from Regions, the bank has acknowledged this as an internal matter and has agreed to issue an adjustment to reimburse me. 

While I appreciate that steps are being taken to return my funds, I remain deeply concerned about : The security failure that allowed this fraud to occur, The impact this has had on my financial well-being, The delay in detecting and resolving the issue, The lack of transparency and communication throughout the process. 

I am requesting : XXXX. A written explanation detailing how this fraud occurred. 
XXXX. A timeline for the reimbursement and any other corrective actions. 
XXXX. Information on what measures are being implemented to prevent this from happening again. 
XXXX. Contact details for Regions Banks legal or compliance department in case further action becomes necessary Please consider this letter a formal complaint. I also reserve the right to escalate this matter to federal regulators and seek legal representation if a satisfactory resolution is not reached in a timely manner. 

Thank you for your attention. I look forward to your prompt response. 

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 explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I filed XXXX Bankruptcy in XX/XX/XXXX. I was threatened with foreclosure on my mortgage also. The servicer failed to abide by the automatic stay. I was foreclosed upon in XXXX. My XXXX XXXX  was discharged. I kept my home and continued paying my mortgage. I had a modified FHA mortgage and I then reapplied for a new one for the same home. They tacked on additional fees and their legal fees. I do own my home. I pay taxes. I have been consistent with my monthly payments since the issue prior to the XXXX financial problem had to do with threats from BOA servicer. 
I as the FHA XXXX owner and the XXXX owner deserve to have my mortgage payment acknowledged on my XXXX credit reports. I should have dignity restored from what they have done. The servicers traumatized me with their threats, lies and legal actions they imposed on me. I deserve respect restored from that since I have been been consistent with my payments to XXXX XXXX  XXXX. My discharge from XXXX XXXX  court was in XX/XX/XXXX. 
I feel as I complained before that their ( servicer ) bank attorney is threatening me yet with fees already paid in the foreclosure. They are violating my contract rights, my legal discharge my homeowner rights and my right to prosper and have dignity. I am making my payments and XXXX XXXX  is obstructing me from proper credit reporting. I have complained about BOA & their attorney that abused me breaking laws. 
Please help. This is upsetting to my life.

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 2025-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
under the provisions of Section 807 ( 8 ) of the Fair Debt Collection Act ( FDCPA ). This states, a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. I request a comprehensive investigation into the following items as it reports as an error and possible fraudulent on my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Dear Consumer, Financial Protection Bureau, I am writing to formally file a complaint against Transunion and XXXX  regarding their failure to conduct a proper investigation into inaccuracies on my credit report as required under the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to dispute information, Transunion and XXXX  has continued to report incorrect data and has failed to comply with their obligation to investigate thoroughly. 
Details of the Issue XXXX. Disputed Account ( XXXX ) : -CrXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX -Account Number : 2. Nature of the Dispute : - The account contains the following inaccuracies : repeated fees, wrong balance, incorrect status, forced closure of account, NSF and check overdraft fees, even insufficient funds 3. Bureau Response : -Briefly describe how the credit bureau response : failed to address all errors, provided a generic response. 
4. Supporting Evidence Provided : - Account information Violation of Consumer Rights Under FCRA Section 6119 ( 1681i ), credit bureaus are required to : -Conduct a reasonable reinvestigation within 30 days.

-Notify data furnishers and review all relevant information provided by the consumer.

-Correct or delete inaccurate, incomplete, or unverifiable information.

It is evident that Transunion and Equifax has not fulfilled these obligations. The errors remain uncorrected, and I have received a response that either lacked meaningful investigation or attempted to stall the process.

Request Resolution I respectfully request th
at the CFPB intervenes to : 1. Ensure XXXX and Transition conduct a proper investigation of the disputed information. 
XXXX. Verify that the inaccuracies are corrected or removed from my credit report. 
XXXX. Provide accountability for the credit bureaus non-compliance with FCRA regulations. 
I have enclosed copies of all relevant documents for your review, including : -Original dispute letter ( XXXX ) -Supporting evidence sent to the credit bureau XXXX XXXX ) -Responses received from the credit bureau ( XXXX XXXX Thank you for your attention to this matter, I trust that your office will take the necessary steps to resolve this issue and ensure that my consumer rights are protected. Please feel free to contact me if you require additional information or documentation. 
Sincerely,

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 2025-05-05 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: IA

Complaint narrative:
Dear Consumer, Financial Protection Bureau, I am writing to formally file a complaint against XXXX  and Equifax regarding their failure to conduct a proper investigation into inaccuracies on my credit report as required under the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to dispute information, XXXX  and Equifax has continued to report incorrect data and has failed to comply with their obligation to investigate thoroughly. 
Details of the Issue XXXX. Disputed Account ( XXXX ) : -Credit Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXAccount Number : 2. Nature of the Dispute : - The account contains the following inaccuracies : repeated fees, wrong balance, incorrect status, forced closure of account, NSF and check overdraft fees, even insufficient funds 3. Bureau Response : -Briefly describe how the credit bureau response : failed to address all errors, provided a generic response.

4. Supporting Evidence Provided : - Account information Violation of Consumer Rights Under FCRA Section 6119 ( 1681i ), credit bureaus are required to : -Conduct a reasonable reinvestigation within 30 days.

-Notify data furnishers and review all relevant information provided by the consumer.

-Correct or delete inaccurate, incomplete, or unverifiable information.

It is evident that XXXX  and Equifax has not fulfilled these obligations. The errors remain uncorrected, and I have received a response that either lacked meaningful investigation or attempted to stall the process.

Request Resolution I respectfully request that the CFPB intervenes to : 1. Ensure Equifax and XXXX  conduct a proper investigation of the disputed information.

2. Verify that the inaccuracies are corrected or removed from my credit report.

3. Provide accountability for the credit bureaus non-compliance with FCRA regulations.

I have enclosed copies of all relevant documents for your review, including : -Original dispute letter ( s ) -Supporting evidence sent to the credit bureau ( s ) -Responses received from the credit bureau ( s ) Thank you for your attention to this matter, I trust that your office will take the necessary steps to resolve this issue and ensure that my consumer rights are protected. Please feel free to contact me if you require additional information or documentation. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$310.00} - Account # : XXXX XXXX XXXX - Balance : {$390.00} - Account # : XXXX XXXX XXXXXXXX - Balance : {$270.00} - Account # : XXXX XXXX XXXX XXXX XXXX  Balance : {$750.00} - Account # : XXXX XXXX XXXX - XXXX : {$390.00} - Account # : As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$310.00} - Account # : XXXX XXXX XXXX - Balance : {$390.00} - Account # : XXXX XXXX XXXXXXXX - Balance : {$270.00} - Account # : XXXX XXXX XXXX XXXX XXXX  Balance : {$750.00} - Account # : XXXX XXXX XXXX - XXXX : {$390.00} - Account # : As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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 copies of my credit report and have requested the following information be removed from my file as it is inaccurate and a possible result in identify theft. Please reinvestigate these accounts and remove them from my reports, they are hurting my ability to obtain credit ( XXXX XXXX, XXXX, Acct ; XXXX, Date account opened XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX, Acct : XXXX, date opened XX/XX/XXXX ) ( XXXX and XXXX, XXXX XXXX, acct ; XXXX, date opened XX/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 2025-05-05 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: FL

Complaint narrative:
I recently reviewed copies of my credit report and have requested the following information be removed from my file as it is inaccurate and a possible result in identify theft. Please reinvestigate these accounts and remove them from my reports, they are hurting my ability to obtain credit. 

( XXXX XXXX XXXX, XXXX ; XXXX, Acct ; XXXX, Date acct opened XX/XX/XXXX ) ( XXXX XXXX, XXXX, Acct ; XXXX, Date account opened XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX ; XXXX, Acct ; XXXX, date opened XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX, Acct : XXXX, date opened XX/XX/XXXX ) ( XXXX and XXXX, XXXX XXXX, acct ; XXXX, date opened XX/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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Details of the Complaint : I am filing this complaint against TransUnion LLC regarding the inaccurate, incomplete, and potentially fraudulent reporting of an account listed under the name XXXXXXXX XXXX, with partial account number XXXX. 
This account is being reported as a collection/charge-off, opened on XX/XX/XXXX, with a balance of {$3100.00}, and was last verified on XX/XX/XXXX. However, this reporting contains multiple legal and technical violations : Violations Identified : 1. Violation of 15 U.S.C. 1681c-2 : This account is associated with identity theft and/or unauthorized use. Under this section of the Fair Credit Reporting Act, a consumer has the right to request the permanent blocking and deletion of information that resulted from fraud. TransUnion failed to initiate or honor this right despite being on notice. 
2. Violation of 15 U.S.C. 1681e ( b ) Accuracy Obligations : TransUnion is reporting the account without providing crucial data such as payment history, last payment date, or closed date. The account is marked as both Open and Chargeoff, which is a direct contradiction and misrepresentation of account status. 
3. Violation of Metro 2 Guidelines : The credit bureau is failing to follow the Metro 2 standard required for technical accuracy. Reporting a charge-off without closing the account, failing to report payment history, and omitting account type/status are all violations of XXXX 's reporting standards XXXX 
4. Violation of 15 U.S.C. 1681i Failure to Reinvestigate : The consumer attempted to dispute this item and was met with no proper investigation or correction, contrary to the duty of reasonable 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 2025-05-05 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: PA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax, Trans union immediately! 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX {$610.00} XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00}

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 2025-05-05 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: NY

Complaint narrative:
I call for the deletion of the inaccurately recorded credit details in your database concerning my finances under FCRA 611 ( a ) ( 5 ) ( A ) ( 15 U.S.C. 1681i ) and pursuant to CFPB 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 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 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