vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I had received a letter in the mail from what appeared to have come from my Gas company, the letter looked suspicious, it had stated a payment I made was returned. Because this was the second time within the last 30 days of vendors stating payments were not received, I went online to my Bank Of America Checking account. As I began to search for the payment, I got messages that they had no record of the vendor. I went again to my account to scroll through it, because it was not just 1 time I had paid my Gas bill with my BOA checking account. I was able to find one, but not others. I then requested the help of speaking to a BOA live rep. Upon speaking to him, I expressed my concerns because it's not showing other payments I had made to XXXX XXXX  XXXX XXXX. I went on to tell him I was now afraid, because this is the second vendor that asked me for payment, when It had been paid, the first one I took a screen shot of the paid BOA reciept. He responded that that payment was dropped, when I questioned when, because I had filed a complaint with XXXX, against the one vendor and used the screenshot used as my proof, it wasn't until I mentioned that the same Vendor whom BOA, is in real estate business with this company, I questioned how is it that the number they have listed for us to contact is a wrong number, that when I reached out I was told the number I contacted was wrong, she was a realtor for the vendor but the number is wrong. Now today I am having issues with another vendor and I'm told that those two payments were dropped from my account, I have never had be it a return or not I have always been able to find all information regarding payments. The money was in the account for both payments the first showed as being paid and now there is no record of not just that one payment to XXXXXXXX XXXX XXXX  but others I have paid using my BOA ACCOUNT, and I am supposed to just say okay? Where is the money which was placed in the account for those reasons?

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 2024-12-30 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: PENTAGON FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I am filing a complaint against PenFed Credit Union regarding a fraudulent charge of {$4000.00} made by XXXX XXXX XXXX on XX/XX/year>. 

This merchant gained unauthorized access to my card information, charged my credit card, and failed to deliver any work or services. Additionally, the merchant overcharged me without my consent. I provided PenFed with detailed evidence, including : Proof that no work was done. 
Communication showing the merchants lack of response. 
Photos of the property showing no work was performed. 
Inspection reports documenting the absence of repairs. 

Despite this, PenFed denied my dispute, stating the charge was valid. This decision does not align with XXXX  XXXX XXXX XXXX, which protects cardholders from fraudulent and unauthorized transactions. 

I am requesting that PenFed : 1. Reopen the dispute and refund the full amount of {$4000.00}. 
2. Investigate the merchants fraudulent actions. 
3. Provide a clear explanation for the denial of my initial claim. 

This situation has caused significant financial and emotional distress. I am seeking immediate resolution under the protections offered by XXXX  and consumer protection laws.

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 2024-12-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I used Lexington law firm 2-3 times once in XXXX again in XXXX and again in XXXX I received a check in the amount of XXXX Im trying to figure out why so low when I paid over XXXX for services

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: AL

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
SPRINGOAKCA HAS CALLED ME A NUMEROUS TIME ASKING ME FOR MONEY THAT THEY SAID I OWED THEM. I HAVE ASKED FOR ANY TIME OF PROOF OR CONTRACT SIGNED BY ME IN WRITING AND THEY HAVE FAIL TO PROVIDED ME. 

THEY SAID I OWED AND AMOUT OF {$1400.00} AND THAT THE ACCOUNT WAS OPEN : XX/XX/year>. 

I HAVE NEVER OPEN AN ACCOUNT WITH THIS COMPANY AND IM REQUETING ANY TIME OF PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-12-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: FC HoldCo LLC
State: NY

Complaint narrative:
Flagship Credit Acceptance didnt hold up to their end bargain. I asked for more time for my payments originally. I was told I would have to voluntarily turn the car in at no fee or they would pick the car up. I never received a letter in the mail saying the sold the car and I was due a major debt.

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 2024-12-30 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 was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-12-30 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: TX

Complaint narrative:
I am contacting you to inform you that I am a victim of multiple data breaches from Equifax, A Hospital, the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/ or illegally opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$3700.00}, XXXX  XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$2300.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1200.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$330.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00} Inquiries : XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-30 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Dear CFPB, I am writing to report three unauthorized hard inquiries made on my credit reports by : JP Morgan Chase Bank, and XXXX  XXXX. 
These inquiries occurred approximately a month ago ( between XX/XX/year> and XX/XX/year> ) and were promptly removed shortly after. However, despite their removal, my credit score dropped by XXXX  points and has not fully recovered since. 

The details are as follows : Chase Bank Inquiry : 1 inquiry between XX/XX/year> and XX/XX/year> XXXX  XXXX Inquiry : 2 inquiries between XX/XX/year> and XX/XX/year> All three inquiries were unauthorized as I did not apply for credit with these institutions during this time. 

Evidence : I first noticed these inquiries through my XXXX XXXX monitoring tool, which tracks changes in my XXXX credit report. The inquiries have since been removed, but my score remains impacted. The score only recovered slightly due to unrelated factors, yet the effect of the unauthorized inquiries has not been resolved. 

Supporting Documentation : - PDF of XXXX XXXX XXXX Report Changes : This document shows the initial score impact from the unauthorized inquiries. 
- PDF of XXXX XXXX XXXX Report Details ( Most Recent ) : This document shows the most recent credit changes, confirming the inquiries have been removed but that my score has not fully recovered from their impact. 
- History of changes in my report since XXXX, 2024 from XXXX XXXX. 

Impact : This unwarranted score drop has negatively affected my financial plans by limiting my ability to qualify for better credit terms, despite the resolution of the unauthorized inquiries. It is concerning that the score did not recover even after the inquiries were removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: IN

Complaint narrative:
I check my credit report on XX/XX/year> and noticed wrong information who dont belong to me.And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.I sent a letter asking them to reinvestigate these accounts listed belowXXXX XXXX XXXX  Original creditor name Open balance XXXX $ XXXX XXXX XXXX XXXX XXXX creditor name Open balance XXXX $ XXXX XXXX XXXX XXXX XXXX creditor name Open balance XXXX XXXXThey have not responded to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I bank at Regions Bank at XXXX FM XXXX, XXXX TX. I have a safe deposit box at the bank that I am occasional unable to access because the bank branch claims the electronic system is broken. Over the past 6 months when I go to the branch there are safety/security in place to access the safe deposit boxes ( using you finger print recognition ). This system occasionally works. The branch manager is aware of this situation and nothing has been done to address the problem. The teller just pull up my information and let me in the safe box area manually. Id 's can be made fake. There is security in place so no one can access a safe deposit box without finger recognition. If the branch has security in place to access the safe box area there should not be a manual key used except in extreme cases but this is every time I go to the bank to access my safe deposit box they are using the manual key to let me in the safe deposit box area. I have ask them to check why my finger recognition doesn't work but they don't care and just let me in. I feel this branch is not taking security seriously in regards to access to the safe deposit area.

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 2024-12-30 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-30 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: FL

Complaint narrative:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with explanation