vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax, Transunion, Experian Subject : Dispute of Negative Items on Credit Report Dear CFPB I am writing to dispute all negative items on my credit report. I believe these entries are inaccurate and have requested a investigation from all three bureaus with no communication Please review my report and remove negative information. 

Thank you for your prompt attention to this matter. 

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 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I have received several emails from a person named XXXX XXXX from TrueAccord telling me that I have an outstanding debt with a company called XXXX XXXX. The emails say that I owe lvnv an amount for a credit card thru comenity bank. I have called comenity to find out if any of my accounts were sold to a collection agency and all said no and to report it for fraud. 
The amount of the " debt '' they say i owe is XXXX. None of my accounts have that amount as a debt. I'm afraid to contact true accord or lvnv because I don't know what they can steal from my phone etc. 
I do have an account number from the email but I'm sure it's fraudulent. 
I don't know if I should contact the company or not I am hoping that this will keep people from getting scammed.

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 2025-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I opened a business checking account with Truist using a code ( XXXX ) they provided by mail that would result in receiving a {$XXXX} bonus upon opening an account and completing the required activities. These required actions were satisfied in early XXXX, but the bonus has not been paid. I contacted the company and they said it should have been paid by now. They said they would look into it and get back to me within 15 days. This time has passed and their has been no response. Every time I call, they just say they will look into it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and several data breaches. I have unauthorized account and inquiries on my credit report that I did not consent to or recognized. Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 

Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-22 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that | believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 


Pursuant 15 USC 1681i A6B3 I disputed XXXX, ACCOUNT, complaint # XXXX, on XX/XX/XXXX for inaccuracy. 

Experian completed the investigation on XX/XX/XXXX. Beyond the 30 days as required by FCRA Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian 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 address consumer disputes properly. 

Continually reporting 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 be 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 explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XX/XX/XXXX I received a fraud alert overnight. I received another phone call that morning that asked me if one of the transactions made were mine. I said no that led me to check my account to see what they were talking about and I seen about XXXX transactions made several from XXXX XXXX from XXXX in Georgia. They tried to make a transaction at XXXX and I am in Nevada. These charges were made from several different states I did not make these transactions nor did I authorize these transactions on my card. I immediately called XXXX XXXX when I seen these and told them that was not me. I even called several of the places that were on my car to let them know my card is being used at this place. It is not me nor did I authorize it. They told me to contact my bank. The total charges came out to about {$XXXX}. I did not have the funds in my account for those transactions on XX/XX/XXXX. I receive XXXX emails stating that my fraud claims were found to be valid I am furious because there is no way they can seriously think that I did all of those transactions made in multiple different states. I called XXXX XXXX XXXX more time to let them know that this is wrong. I did not make these transactions and something needs to be done. I looked on XXXX XXXX website and seen the XXXX liability for a fraud claim so where is my protection why lie and say these charges were valid when they are not. I even filed a police report regarding these fraud transactions made on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. code 1681 i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The consumer reporting agency shall ( 1 ) promptly delete that item of information from the results of the investigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. code 1681 i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The consumer reporting agency shall ( 1 ) promptly delete that item of information from the results of the investigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report immediately. 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 non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I Am disputing a. debt collection related to a rental property that had been inaccurately reported. The debt in question was Fraudulent .The Account was Opened on XX/XX/XXXX Under the company National. Credit. Systems. Stated That the original creditor was " PARK AT XXXX  XXXX XXXX. In the amount of {$5600.00}. Which is Inaccurate Because I Moved Out In XXXX Of XXXX. My House Was Broken Into and All. My Personal Information Was Exposed. I Have contacted The Agency, but they Failed to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: OH

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am writing to formally dispute the presence of unauthorized information on my credit report, in accordance with 15 U.S.C. 1681b, and to request the immediate blocking and removal of this information.

The reporting of this information is not fair or equitable to me as a consumer. I was never provided with proper disclosures or the opportunity to opt out of sharing my personal information. If I did not authorize, share, or sign any disclosure or contract with any company, then making any transaction public is considered a violation under FCRA 1681b.

Legal Basis : Violation of FCRA 1681b Under 15 U.S. Code 1681b, the permissible purposes for accessing and reporting consumer information require written consent. I never provided any written or express consent for this account to be reported on my credit history. Without my explicit authorization, this reporting is invalid and must be removed immediately. 

Requested Actions Immediate blocking and removal of the following unauthorized account : XXXX / XXXX XXXX confirmation of the removal of the unauthorized information. 

Assurance that the deleted information will not be reinserted into my credit report in the future.

I am enclosing a copy of my report filed with the Federal Trade Commission ( FTC ), which I have submitted to report this unauthorized use of my information ( FTC REPORT NUMBER : XXXX ). 

If I do not receive a timely response, I will proceed with filing a formal complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and will consider taking legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ). 

I appreciate your prompt response and resolution of this matter. I expect a response within the legally required timeframe.

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
I applied for a credit card with Milestone in late XXXX of 2024, and they reported the account to the credit bureaus with an incorrect date of birth. Despite contacting them multiple times, they claim that the issue may have occurred due to a possible typo on my part during the application process. However, I believe it is their responsibility to verify the information before reporting it to the credit bureaus. Because of this, I have been unable to access my account or manage it properly through their website. This has led to payments being made under false pretenses for an account that I could not fully verify or activate due to the incorrect DOB. The company has refused to refund the payments, and I am disputing this with the credit bureaus as well. This has resulted in an inaccurate report being filed under my name, affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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:
The unverified accounts listed below continue to appear on my credit report despite multiple written requests, which is a blatant violation of federal law. I previously sent a letter to the XXXX credit bureaus on yet I have received no responsean unacceptable failure to comply with the Fair Credit Reporting Act. 
Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the FCRA, you are legally required to verify these accounts with proper documentation. If you can not provide legitimate proof of validation, they must be update immediately. Your continued negligence leaves me no choice but to escalate this matter through legal action.

This is your final opportunity to comply with the law and resolve this issue without further delay. I expect a prompt responsefailure to act will result in formal complaints and legal proceedings. 
XXXX XXXX XXXX : {$XXXX} XXXX XXXX XXXX : {$XXXX}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : XXXX XXXX Balance : {$XXXX} XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year>

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 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is a continuation of Complaint XXXX but I'll put the full history here. 
On XX/XX/2025 I came home to find XXXX  letters from Bank of America saying they were closing my accounts ( savings and checking ). I called to find out what was going on and the only thing they would tell me is that it was a business decision and they could close the accounts without reason. I asked when/how I would get my money back and was told that a cashiers check would be issued on XX/XX/2025 and be sent UPS. I asked if I could still access my money during this time and was told No. So I spent XXXX days rearranging all my payments and tried to get my paycheck sent to another bank but couldn't get that done in the time they gave me ( I got paid XX/XX/2025 ). I then called back on XX/XX/2025 and asked how I would get a tracking number for the cashiers check. At that time I was told to call back on XX/XX/2025 and they could give it to me. I called XX/XX/2025 and was told that Bank of America has extended the closure to XX/XX/2025 and I could not access my money. I asked if I could go into a financial institution and withdraw my money. I was told they would put in a request but it would take XXXX XXXX XXXX business days with no assurance that it would be approved. So at this point Bank of America is holding my money and refusing to give me access to any of my money ( including my paycheck ) until sometime in the future. I don't know when that will be since the original date was moved so there is no guarantee that they won't move the new date. I can prove where every XXXX  came from - hard work over XXXX  years.

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