vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: NC

Complaint narrative:
I am writing to formally express my frustration regarding the recent closure of my Bank of America business account and the resulting financial hardships. 

On XX/XX/XXXX, XXXX XXXX University paid XXXX XXXX XXXX for its services. However, my Bank of America account was subsequently closed due to alleged suspicious activity. It appears my account was under investigation, but I was never provided with clear communication or a legitimate reason for the closure. 

Additionally, I have been waiting since XXXX XXXX for a {$440.00} refund from XXXX XXXX XXXX to be returned to my account. Despite multiple attempts to resolve this matter, Bank of America has been unresponsive and ineffective in assisting me. 

The sudden closure of my account while I was out of town working and networking caused me to miss a {$100000.00} business opportunity. Furthermore, it has prevented me from making critical payments for my commercial building and company vehicle, severely impacting my business operations. 

I find this situation to be highly unprofessional and negligent. Bank of Americas failure to assist in these matters has demonstrated a lack of credibility and accountability. Given these experiences, I have transitioned to XXXX XXXX XXXX XXXX and am currently exploring legal action and formal complaints against Bank of America. 

I am formally requesting immediate access to my withheld funds. However, I have been told I must wait until XX/XX/XXXX, which is unacceptable. The continued delay has placed undue financial strain on my business and personal obligations. 

I expect a prompt resolution to this matter and a clear response outlining the next steps for recovering my funds. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This debt is not mine. It belongs to a name similar as mine just with different prefixes. I have asked for purchase agreement so I can show them that it is not my debt, and yet to receive it. I received multiple phone calls for this debt and has asked not to be contacted because this isnt my debt. Law FCRA SECTION 605B states that it is illegal to report without my permission. This debt is reporting inaccurate and should be removed. It is reporting a past due balance and an original balance on this collection account that does not belong to me. Please remove this debt from my credit report. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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 concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly 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 2025-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Someone fraudulently opened a credit card in my name at XXXX  in XXXX. I immediately reported it as fraud and initiated a dispute and investigation. XXXX  came back and said they found no fraud and insisted I pay the fraudulent charges. I never called to confirm the new account as stated in the introduction letter I received but they allowed the card to be used anyways. I never received any card in the mail, did not activate any card either.

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 2025-03-03 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: NC

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

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 2025-03-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: WA

Complaint narrative:
I am submitting this complaint regarding a prepaid gift card I received as a gift three years ago. The card originally had a {$200.00} balance, but when I tried to check the balance today, I encountered an error on the website ( XXXX ). I called the customer service number on the back of the card ( XXXX ) to resolve the issue, and the representative informed me that the card is now closed with a balance of {$0.00}. They could not provide any further explanation or assistance, and the call ended abruptly. 

I have never used this card. The expiration date listed on the card is XX/XX/2028, and the card explicitly states that Funds dont expire, No inactivity fee. Based on this, I believe that my balance should not have been depleted or the card closed due to inactivity. 

I request a full investigation into this matter and that the {$200.00} balance be restored to me. I would also appreciate a clear explanation of why this happened and how such issues can be prevented in the future. 

Thank you for your prompt 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 explanation
Consumer complaint received 2025-03-03 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: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: OR

Complaint narrative:
Discover Bank continues to break the Law. Discover Bank continues to insist that I am responsible for this Credit Card Account Number ending in XXXX I am requesting Discover Bank provide me an explanation for the Double Interest Charges that Discover Bank Charged and Received Payments for the Double Interest Charges. 

I have attached Billing Statements XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX A {$78.00} was made, {$41.00} deducted from Purchase Balance and {$37.00} Interest Charge. The {$37.00} was then Added to the Cash Advance Balance of {$1800.00}. 
Billing Statements XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Cash Advance Balance {$1800.00}. The interest amount paid keeps adding to Cash Advance Balance. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Dispute of Late PaymentReporting : I am writing to formally dispute the late payment ( XXXX ) reported on my account the billing period ( s ). According to my records, I made 96 % of my payment ( s ) in full and on time, as should on my Equifax but on my Trans union and experience its different. It only shows 71 %. I believe this reporting is inaccurate. Also this account was closed XXXX ago, I dont understand why to late payments are showing. I have attached copies of my payment records & supporting documents as evidence of the timely payment ( s ). Please investigate this matter and correct any inaccuracies in my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond within 30 days. Please provide me with written confirmation once the issue has been resolved and update the credit bureaus accordingly. Thank you for your prompt 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 explanation
Consumer complaint received 2025-03-03 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: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Dispute of Late PaymentReporting : I am writing to formally dispute the late payment ( XXXX ) reported on my account the billing period ( s ). According to my records, I made 96 % of my payment ( s ) in full and on time, as should on my Equifax but on my Trans union and experience its different. It only shows 71 %. I believe this reporting is inaccurate. Also this account was closed XXXX ago, I dont understand why to late payments are showing. I have attached copies of my payment records & supporting documents as evidence of the timely payment ( s ). Please investigate this matter and correct any inaccuracies in my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond within 30 days. Please provide me with written confirmation once the issue has been resolved and update the credit bureaus accordingly. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: NJ

Complaint narrative:
I am filing this complaint against TransUnion for repeatedly violating my rights under the Fair Credit Reporting Act ( FCRA ). TransUnion has failed to maintain the maximum possible accuracy in reporting my account history, as required under 15 U.S.C. 1681e ( b ). My previous and most recent credit reports show inconsistent and changing late payment dates, proving their reckless disregard for accuracy. This is unacceptable and a direct violation of my rights. Additionally, TransUnion is reporting this account against my will and without my written authorization or consent. I have never permitted them to report this account, making this an unauthorized and unjustified intrusion into my credit file. They are knowingly reporting information that I do not authorize, further compounding their violations. Further proving their inaccuracy, XXXX is not reporting any late payments on this account, yet TransUnion is. If this account were truly delinquent, it would be reported consistently across all bureaus. This clear inconsistency shows XXXX failure to ensure accurate and verifiable reporting, further violating my rights. TransUnion has also failed in its duty to properly reinvestigate this disputed information, violating 15 U.S.C. 1681i ( a ). Despite my previous disputes, the issue has not been resolved, and the inaccurate reporting continues. Furthermore, the furnishers have failed to meet their obligations under 15 U.S.C. 1681s-2 ( b ) by not correcting or deleting this disputed information. This serves as my final reminder to TransUnion. If they do not immediately correct or delete this account, I will escalate this matter further, including seeking legal action and additional regulatory complaints. I demand immediate action from the CFPB to hold TransUnion accountable for these repeated violations. I request either the correction or complete deletion of this account from my credit file. Their blatant disregard for accuracy, failure to conduct a proper reinvestigation, and unauthorized reporting of my account must be addressed. I urge the CFPB to take swift enforcement action to ensure compliance with federal 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 2025-03-03 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: OH

Complaint narrative:
To Whom It XXXX Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX ORCHARD BLV XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX BEACH PKW XXXX OH XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX CARD SERVICES Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX BANK XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I am requesting a thorough investigation into these items and their removal from my credit report. I understand that you are obligated to verify these items with the creditor responsible for reporting them. If the creditor can not provide verification, I kindly ask that you delete the disputed information. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this investigation within XXXX  days of receiving this letter. 

Please send an updated copy of my credit report to the address provided above. I would like to highlight that, as stated in the act, there should be no charge for this updated report. Additionally, I request that you notify anyone who has obtained my credit report in the past XXXX months of any corrections made. 

Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: TX

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 Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) 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 2025-03-03 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation