vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America began arbitrarily charging my account a $ XXXX maintenance fee in XXXX XXXX XXXX without any warning or notification. This account has been opened since XXXX and wasnt charged the {$25.00} fee before then. 

I was taken by surprise when I checked my account in XX/XX/XXXX when my balance was negative instead of {$93.00} which it had been in XXXXXXXX XXXX XXXX 

I reached out to Bank of America and after 1.5hrs, two of the 5 maintenance fees were returned. Bank of America refused to give me back the additional {$75.00} they stole from me, plus the person I spoke with refused to connect me with his manager or anyone else for additional help. XXXX, employee ID XXXX refused to even give me the name of his manager and stated that he doesnt know who his manager is. He also stated that his computer tells him what to do and not a single person within the company could manually return the money that they stole from me.

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 2024-09-25 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: NV

Complaint narrative:
I am writing to formally follow up on my previous dispute regarding the accuracy of several items on my credit report. While I have received your response and the results of the investigation, I must respectfully disagree with the conclusions, as several accounts were not properly validated, nor was sufficient evidence provided to support the continued reporting of these items. 

Specifically, I am disputing the following accounts : XXXXXXXX XXXX XXXX This account was marked as " updated. '' However, I have not received any documentation or validation proving the accuracy of this debt. 
XXXX XXXX XXXX This was " verified as reported. '' I am requesting proper validation as outlined under the Fair Credit Reporting Act ( FCRA ), including proof of the original agreement or contract associated with this debt. 
XXXX XXXX XXXX Marked as " updated, '' but no supporting documents or validation of the debt were provided. 
XXXX XXXX XXXX Updated with no validation. 
XXXX XXXX XXXX Verified as reported, yet no validation documentation was supplied. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a thorough investigation and verification of the debts. Simply marking accounts as " verified '' or " updated '' without providing evidence does not meet the legal standard for validation. I am requesting that you provide me with : A copy of the original signed agreement or contract that proves the validity of these debts. 
Documentation of all communications related to the debts and a full accounting of how the amount owed was calculated. 
Proof that the creditors are legally authorized to collect on these debts. 
If you are unable to provide this information, I request that the unverified and unvalidated items be immediately removed from my credit report. Continued reporting of unverifiable information is a violation of the FCRA, and I am prepared to escalate this matter if it is not resolved in a timely and lawful manner. 

I expect a response and resolution within 30 days, as required by law. Please update me in writing, and if applicable, send me a corrected copy of my credit report reflecting the removal of any unverifiable or invalid items. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution of these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: NV

Complaint narrative:
I am writing to formally follow up on my previous dispute regarding the accuracy of several items on my credit report. While I have received your response and the results of the investigation, I must respectfully disagree with the conclusions, as several accounts were not properly validated, nor was sufficient evidence provided to support the continued reporting of these items. 

Specifically, I am disputing the following accounts : XXXXXXXX XXXX XXXX This account was marked as " updated. '' However, I have not received any documentation or validation proving the accuracy of this debt. 
XXXX XXXX XXXX This was " verified as reported. '' I am requesting proper validation as outlined under the Fair Credit Reporting Act ( FCRA ), including proof of the original agreement or contract associated with this debt. 
XXXX XXXX XXXX Marked as " updated, '' but no supporting documents or validation of the debt were provided. 
XXXX XXXX XXXX Updated with no validation. 
XXXX XXXX XXXX Verified as reported, yet no validation documentation was supplied. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a thorough investigation and verification of the debts. Simply marking accounts as " verified '' or " updated '' without providing evidence does not meet the legal standard for validation. I am requesting that you provide me with : A copy of the original signed agreement or contract that proves the validity of these debts. 
Documentation of all communications related to the debts and a full accounting of how the amount owed was calculated. 
Proof that the creditors are legally authorized to collect on these debts. 
If you are unable to provide this information, I request that the unverified and unvalidated items be immediately removed from my credit report. Continued reporting of unverifiable information is a violation of the FCRA, and I am prepared to escalate this matter if it is not resolved in a timely and lawful manner. 

I expect a response and resolution within 30 days, as required by law. Please update me in writing, and if applicable, send me a corrected copy of my credit report reflecting the removal of any unverifiable or invalid items. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution of these issues.

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 2024-09-25 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: VA

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was incorrect because I made the payment on time. My records show that the payment was processed successfully on the due date. However, due to an error in the creditors system, the payment was posted late, which led to the inaccurate late payment entry on my credit report. 
Evidence provided : Bank statement showing the payment made on the due date. 
Confirmation email from XXXX XXXX XXXXXXXX verifying the payment was received on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: VA

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax XXXX a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was incorrect because I made the payment on time. My records show that the payment was processed successfully on the due date. However, due to an error in the creditors system, the payment was posted late, which led to the inaccurate late payment entry on my credit report.

Evidence provided : Bank statement showing the payment made on the due date. 
Confirmation email from XXXXXXXX XXXX XXXX  verifying the payment was received on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: MD

Complaint narrative:
For months, these accounts have been showing up on my credit report, and its been incredibly stressful. Im simply asking that you verify whether or not these accounts are actually mine. The errors have lowered my credit score and blocked financial opportunities, making it harder for me to achieve my goals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have identified inaccurate information on my credit report that has not been corrected despite multiple disputes submitted to XXXX, XXXX, and Equifax. The information reported is incorrect, and the credit bureaus have continued to verify it as accurate without conducting a thorough investigation, which is required under the Fair Credit Reporting Act ( FCRA ). This failure to investigate properly and correct the inaccuracies violates sections 611 and 607 of the FCRA, which require that only accurate and verifiable information be included on credit reports. 

I have attached documentation proving that the information is inaccurate, and I am requesting that this information be removed immediately. The continued reporting of false information is detrimental to my credit and represents noncompliance with federal law. I expect this matter to be addressed promptly and for my credit report to be updated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: NY

Complaint narrative:
While checking my recent credit report I noticed fraudulent inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries were made by the following companies : XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Consumer Assistance on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please validate the information with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature I formally request that these fraudulent inquiries be deleted immediately from the credit file under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I filed a complaint with the present agency. Ally responded saying they will respond in time and then replied directly to me with their standard jargon about not increasing my credit and gave no substantive response. They avoided providing their response in this portal. I perceive this to be an attempt at deception as the clandestine response was not substantive. It was Evidence that their Credit worthy evaluation in my circumstances was completely arbitrary and clearly not based on my stellar payment history. Then they sent me another secure message despite the fact that I can not send them secure messages. I further tried to send a review to them which their software conveniently was unable to apply. I contacted them today About their secure messages and my inability to send them secure messages, and the representative advised Me that his manager told him that they only send secure messages when it has to do with statements. I offered him the screenshot of my email that proves their deception, and he said they were unable to review the same. Again, I was faced with bad faith statements from them. They are just absolutely shady and deceptive. I will not close my account because I do not want to face adverse credit score result. Do not open your account with this credit card company.

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 2024-09-24 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Resource Systems, Inc
State: CA

Complaint narrative:
On XX/XX/year>. I submitted a notice of dispute through the consumer reporting agencies because I was unaware of your collection agency or the collection account being furnished on my consumer report by your company. On, XXXX XXXX I received a response from my dispute XXXX XXXX verifying my dispute as accurate. 

Im disputing under the FDCPA because you failed to follow the proper procedures required under the FDCPA in order to legally collect on this alleged debt, I never received any initial communication from your company or my notice of debt contents in writing that was supposed to be provided to me which gives me 30 days to dispute the validity of the debt or any portion thereof before furnishing this collection on my consumer report Your company never gave me my right to dispute this debt before putting it on my credit report, which is a violation of section 809 of the FDCPA. If you believe your company did provide initial communication and send me this notice of debt contents. Im demanding receipt of notice ( proof of delivery ) of this statement pursuant to section 809 ( a ) ( 3 ) PRIOR TO the completion of this 30-day investigation. Please send proof to my address listed above. 





Additionally, your failed efforts to conduct a proper investigation to the disputed information with respect to the relevant information provided by the consumer also puts you in violation of FCRA. 







Let me be crystal clear I am NOT Requesting validation of debt. I am DEMANDING compliance of the FDCPA because you failed to provide me with a validation of debt letter PRIOR TOO furnishing this negative information on my consumer report. 




I am demanding immediate deletion of all Collection accounts that you furnished on my credit report without properly validating them I will give you 30 days from the day you receive this letter to be in compliance. 



Please see supporting documentation as it is a copy of my investigation results, I received from XXXX of your company verifying my disputed information as accurate and a copy of my credit report with the non-compliant accounts highlighted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: AL

Complaint narrative:
I am writing to file a formal complaint against XXXX regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to inaccurate and unverified information on my credit report. I have disputed the following items on my credit report with XXXX because I believe they are inaccurate and can not be verified. Despite my formal request for verification under Section 611 of the FCRA ( 15 U.S.C. 1681i ), XXXX has failed to provide adequate verification or delete the contested items. The disputed information includes : Creditor/Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In addition to contacting the credit bureaus directly, I have also filed a report with the Federal Trade Commission ( FTC ) regarding this matter. My FTC report reference number is. This report outlines the same issues I am presenting here and supports my claims of unverified and inaccurate information on my credit report. On XX/XX/year>, I sent a formal dispute letter to XXXX, requesting verification of the items listed above. I provided copies of my credit report and supporting documentation, but I have not received a satisfactory resolution. The disputed items remain on my credit report despite the lack of proper verification. Given the continued presence of unverified and potentially inaccurate information on my credit report, I request that the CFPB take the following actions : Investigate the failure of XXXX to comply with the FCRA. Ensure that XXXX either verify the accuracy of the disputed items or promptly delete them from my credit report. Address any potential violations of my rights under the FCRA by XXXX. Please find attached the following documents to support my complaint : A copy of the FTC report XXXX .Any correspondence between myself and XXXX regarding this dispute I appreciate your prompt attention to this matter and look forward to a resolution that upholds my rights under the FCRA XXXX 
Sincerely, 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