vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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:
After several notices of my PII being leaked in several data breaches and information that my PII was found on the dark web, I found more fraudulent information on my credit reports. I attempted to resolve this directly with the companies with no success as the companies have the information provided by the bad actors and not information that I can verify to be true and accurate. I disputed the information several times with the 3 major credit reporting agencies yet their actions show that they believed they were entitled to disseminate false information, damaging my creditworthiness. I have suffered immensely as the inaccurate fraudulent info has interfered with my ability to participate in interstate commerce.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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:
After several notices of my PII being leaked in several data breaches and information that my PII was found on the dark web, I found more fraudulent information on my credit reports. I attempted to resolve this directly with the companies with no success as the companies have the information provided by the bad actors and not information that I can verify to be true and accurate. I disputed the information several times with the 3 major credit reporting agencies yet their actions show that they believed they were entitled to disseminate false information, damaging my creditworthiness. I have suffered immensely as the inaccurate fraudulent info has interfered with my ability to participate in interstate commerce.

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 2025-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XX/XX/XXXX I bought a vehicle from XXXX automotive in XXXX Alabama. Less than 1 week later I returned it due to not running properly and in turn I bought a XXXX infinity XXXX from same dealership- I was told the XXXX XXXX would be paid off in full by XXXX as I then had the XXXX  which I currently own and am paying for. XXXX procrastinated paying it off sending my husband a check for three months to make the XXXX XXXX loan payment until XXXX could handle it then XXXX stopped answering or returning calls- inevitably his business closed and I still almost 2 years. Later have this XXXX XXXX on my credit report for XXXX on a vehicle I never had and have no idea where this vehicle even is. I can not and will not pay for a vehicle that is not mine. I can not afford to pay for a vehicle that no one knows where it even is plus my actual vehicle that I own. I need this figured out and taken off my credit report desperately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: WV

Complaint narrative:
Victim of Equifax Data Breach. 
Please see attached Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: NV

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXX XXXX XXXX XXXX  - XXXX - {$1400.00} Late Payment XXXX - XXXX - {$1600.00} XXXX - XXXX - {$16000.00} XXXX - XXXX - {$1100.00} XXXX XXXX - XXXX - {$9600.00} XXXX  XXXX - XXXX - {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XXXX XXXX,2024 a charge of {$260.00} was on my Bank of America credit card. The very next day I disputed it. They said it would not show as a charge while they investigated. Which it did not. Now one month later it shows as a purchase on my account and they said the claim is complete. This is definitely a charge neither my wife nor I made. 
I was going to file an appeal with Bank of America but I doubt it will do me any good since they have already made their determination.

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 monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Asked for a reconsideration review addressed to Navy federal underwriting department in XX/XX/scrub> 2024.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
As a business customer with multiple accounts at Bank of America, I am experiencing significant frustration regarding a recent issue. I have encountered a problem with a double payment made on my business credit card, for which I requested a refund to my Bank of America checking accountthe same account from which the duplicate payment was drawn. This request was submitted over a month ago, specifically on XX/XX/ 2024, yet I have yet to see the funds returned to my checking account. During my second call to customer service, I was informed that the initial representative had submitted the request incorrectly, necessitating a new claim to be filed. On XX/XX/XXXX, I was assured via online chat that the request had been approved on XX/XX/2024, and that the refund would be processed within five business days. However, as of XX/XX/XXXX, the funds are still not reflected in my account, leaving me perplexed about the delay in processing this refund. 

In addition to the refund issue, I am equally frustrated with the automated customer service system. The system creates an endless loop that prevents me from connecting with a live representative. Despite my attempts to provide the necessary information, such as my account number and Social Security number, the automated prompts fail to recognize my inputs and hung up. This results in a repetitive cycle where I am continually asked why I wish to speak with a representative, without any progress being made toward resolving my concerns. The lack of effective communication within the automated system is not only time-consuming but also exasperating, as it hinders my ability to address urgent matters. 

If this is the level of service that Bank of America intends to provide to its customers, I am seriously considering closing my accounts. The current system forces customers into a frustrating interaction with a robotic interface that does not adequately address their needs. It is imperative that the bank reevaluates its automated processes to ensure that customers can easily reach a live representative when they express a desire to do so. A more responsive system that prioritizes customer needs would greatly enhance the overall experience and restore my confidence in Bank of Americas commitment to its clients.

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 monetary relief
Consumer complaint received 2025-01-10 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: OH

Complaint narrative:
TransUnion refuses to conduct a proper investigation of my dispute with XXXX XXXX XXXX. Ive for the purchase agreement as I have been in agreement with XXXX XXXX XXXX. Please provide me with evidence I have requested to provide me with the method of investigation. Who did they speak with, how did they communicate via email, telephone or by USPS. What day/time did the communication take place. This was never provided. 

TransUnion always sends me a result of verified and updated. TransUnion send results of things deleted but never specify what was removed. 

I believe they continuously violate the FCRA by not doing a proper investigation. Investigations last more than thirty days as well. 

Please investigate TransUnion and their practices. Please remove this account from 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 explanation
Consumer complaint received 2025-01-10 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:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
On XXXXXX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX. This has cause me great XXXX, XXXX, and financial hardship.

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 2025-01-10 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: IL

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 non-monetary relief
Consumer complaint received 2025-01-10 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: NY

Complaint narrative:
I have sent multiple complaints through CFPB and FTC but I don't see why these inquiries, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this.

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding my experience with U.S. Bank and the handling of my account. I opened an account with U.S. Bank in XX/XX/XXXX and did not make any transactions until XX/XX/XXXX. On or about XX/XX/XXXXXXXX I received an email notification stating my payment was late, but I did not receive the statement prior to this, contributing to my misunderstanding. 

Upon receiving the email, I accessed my account and contacted U.S. Bank to address the {$30.00} late fee. I made a payment of {$300.00} and also set up auto payments of {$300.00} per month. During this conversation, I requested the fee be removed, explaining the situation. However, I was told it could not be waived. I mentioned that many credit card companies offer one-time goodwill adjustments, but the representative still declined my request. 

I requested escalation to a supervisor. The representative assured me I would receive a callback, but I never heard back. On XX/XX/XXXX, I contacted U.S. Bank again via online chat and reiterated my concerns about the lack of follow-up. In response, I was told that the supervisor had indeed reached out. However, I never received any such call, and before I could clarify, the chat abruptly disconnected with a message stating I had ended the conversation, which was not the case. 

Given I never received the statement and the circumstances of this fee, I respectfully request that the {$30.00} late fee be removed. I am deeply frustrated by the lack of customer service and poor handling of my concerns. I have made every effort to resolve this issue, including making the payment and setting up automatic payments, yet I am still faced with unhelpful responses and poor service. I am astonished that a company would be so inflexible. If this is the service U.S. Bank provides, I am seriously reconsidering my association with the company. 

I respectfully request this matter be investigated and I be contacted promptly with a resolution. 

Thank you for your attention to 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 monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted documentation as a XXXX  of XXXX XXXX, that my adverse information be removed from my file and i have yet to receive any update or any changes made to my reports.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted documentation as a XXXX  of XXXX XXXX that my adverse information be removed from my file and i have yet to receive any update or any changes made to my reports.

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 2025-01-10 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: WA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SinglePoint GI
State: OH

Complaint narrative:
Notice of Violation of Rights Dear General Revenue Services, I am writing to formally address a serious concern regarding the collection practices employed by your agency. It has come to my attention that you have contacted many of my family members regarding a debt, which I believe is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, Section 805 ( b ) of the FDCPA prohibits debt collectors from communicating with third parties about a debt without my consent. The disclosure of my personal financial matters to others is not only inappropriate but also distressing for both me and my family. I request that you immediately cease any further communication with my family members or any other third parties regarding a debt. Additionally, I expect written confirmation that my request has been acknowledged and that your agency will comply with this demand going forward. Please be advised that I am keeping a record of all communications related to this matter and may consider further action if this violation continues. My wife, mother, XXXX of my sisters, XXXX of which is a XXXX, XXXX of my sisters in law, my brother in law, and my mother in law have all been excessively called and told there was a debt you were trying to collect from me. I have not received anything in writing regarding a debt. This is harassment. Thank you for your prompt attention to this issue. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TrueAccord Corp.
State: MI

Complaint narrative:
TruAccord is a debt collection company that handles debts for the major cell phone companies. I recently discovered that I have a {$4500.00} charge off on my credit report from XXXX and it's being reported negatively on my credit report. It appears as XXXX on my report but they told me that TruAccord is handling the debt and when I call them I have waited for hours on the phone with no answer and never a call back. I want this fraudulent account stricken from my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted documentation as a XXXX  of XXXX XXXX that my adverse information be removed from my file and i have yet to receive any update or any changes made to my reports.

Company response to consumer: Closed with explanation