vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My job involves buying and selling high-end brands, and I work with many people. Recently, I was asked to send money to a phone number provided to me. I sent a total of {$6000.00} across four transactions {$1000.00}, {$2000.00}, and another {$2000.00}. However, I havent received anything in return, and its been over a month. I started a dispute with Bank of America, but my dispute was denied. Now, I dont know what to do next. 
On the other hand, I called the number I sent the money to, and they said they dont even know me. They mentioned that they handle transactions with other people but claimed they cant refund my money. I explained to them that this is the money I sent to them, and if they dont know me, how could they accept it without doing anything in return? Despite this, they still refused to refund my money.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This letter serves as a formal notice of dispute regarding the accuracy and verification of certain accounts listed on my credit report. I have identified discrepancies in the reporting of these accounts and request that each creditor provide detailed verification of the following items : XXXX. XXXX Amount Owed : Please verify the total amount owed as {$1200.00}, ensuring it aligns with all reported figures. 

Date of First Delinquency : Confirm the accuracy of the reported first delinquency in XX/XX/year>. 

Date of Last Payment : Provide documentation supporting the absence of payments within the reported timeframe. 

Payment History : Clarify and verify the progression of delinquencies leading to the charge-off status as of XX/XX/year>. 

Method of Verification : Detail the process used to verify the debt, including contractual agreements and payment records. 

XXXX. XXXX XXXX ( Account XXXX and XXXX ) Amount Owed : Confirm the charged-off amount of {$1500.00} and the past-due balance of {$1300.00}. 

Date of First Delinquency : Verify the accuracy of XXXX  days past due as of XX/XX/year> for XXXX and XX/XX/year> for XXXX. 

Date of Last Payment : Provide the records of the last payment dates as reported in the payment histories. 

Payment History : Reconcile any inconsistencies in the reported delinquency progression. 

Method of Verification : Submit evidence of the validation process for both accounts, including payment history and original agreements. 

XXXX. Best Buy/CBNA Amount Owed : Verify the reported balance of {$5100.00} and ensure all records are consistent. 

Date of First Delinquency : Confirm XXXX  days past due as of XX/XX/year> and subsequent progression to XXXX  days past due in XX/XX/year>. 

Date of Last Payment : Clarify discrepancies in the last payment records. 

Payment History : Provide documentation verifying the payment history timeline and consistency. 

Method of Verification : Include proof of the method used to confirm the account details. 

Please provide all requested documentation and verification within 30 days of receipt of this notice, as required by the Fair Credit Reporting Act ( FCRA ). If any of the information can not be verified, I request that the disputed account ( s ) be corrected or removed from my credit report immediately. 

Thank you for your prompt attention to this matter. Please address all correspondence to :

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
This letter serves as a formal notice of dispute regarding the accuracy and verification of certain accounts listed on my credit report. I have identified discrepancies in the reporting of these accounts and request that each creditor provide detailed verification of the following items : XXXX. XXXX Amount Owed : Please verify the total amount owed as {$1200.00}, ensuring it aligns with all reported figures. 

Date of First Delinquency : Confirm the accuracy of the reported first delinquency in XX/XX/year>. 

Date of Last Payment : Provide documentation supporting the absence of payments within the reported timeframe. 

Payment History : Clarify and verify the progression of delinquencies leading to the charge-off status as of XX/XX/year>. 

Method of Verification : Detail the process used to verify the debt, including contractual agreements and payment records. 

XXXX. Affirm Inc. ( Account XXXX and XXXX ) Amount Owed : Confirm the charged-off amount of {$1500.00} and the past-due balance of {$1300.00}. 

Date of First Delinquency : Verify the accuracy of XXXX  days past due as of XX/XX/year> for XXXX and XX/XX/year> for XXXX. 

Date of Last Payment : Provide the records of the last payment dates as reported in the payment histories. 

Payment History : Reconcile any inconsistencies in the reported delinquency progression. 

Method of Verification : Submit evidence of the validation process for both accounts, including payment history and original agreements. 

XXXX. XXXX XXXX  Amount Owed : Verify the reported balance of {$5100.00} and ensure all records are consistent. 

Date of First Delinquency : Confirm XXXX  days past due as of XX/XX/year> and subsequent progression to XXXX days past due in XX/XX/year>. 

Date of Last Payment : Clarify discrepancies in the last payment records. 

Payment History : Provide documentation verifying the payment history timeline and consistency. 

Method of Verification : Include proof of the method used to confirm the account details. 

Please provide all requested documentation and verification within XXXX  days of receipt of this notice, as required by the Fair Credit Reporting Act ( FCRA ). If any of the information can not be verified, I request that the disputed account ( s ) be corrected or removed from my credit report immediately. 

Thank you for your prompt attention to this matter. Please address all correspondence to :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: WI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NJ

Complaint narrative:
I HAVE NOT GIVEN ANYONE consent to my nonpublic personal information nor have i given any 3rd party consent to furnish a report. Please be reminded, no consent is identity theft. Please remove the following : XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX Please promptly remove this data within XXXX business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NJ

Complaint narrative:
I HAVE NOT GIVEN ANYONE consent to my nonpublic personal information nor have i given any 3rd party consent to furnish a report. Please be reminded, no consent is identity theft. Please remove the following : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Please promptly remove this data within XXXX business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I would like to dispute the inquiry from the jpbmc card company through XXXX. I did have any intention with getting a credit card through them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Fraudulent Account stopping me from getting a house with my family

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Fraudulent Account stopping me from getting a house with my family

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
XXXX is the worst I have sent him the same documentation driver 's license birth certificate passport to correct my name to include XXXX. They will not remove accounts that do not belong to me, I have over XXXX inquiries even though I had a freeze and a lock on my account. When you call in to update your phone number and email due to my information being compromised on the web they asked for one of the other and when you don't have them you don't have either you have to change them both they won't let you. Several accounts that aren't mine several accounts that are old.

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 2025-01-09 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:
XXXX is the worst I have sent him the same documentation driver 's license birth certificate passport to correct my name to include XXXX. They will not remove accounts that do not belong to me, I have over XXXX inquiries even though I had a freeze and a lock on my account. When you call in to update your phone number and email due to my information being compromised on the web they asked for one of the other and when you don't have them you don't have either you have to change them both they won't let you. Several accounts that aren't mine several accounts that are old.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Late statuses were reported incorrectly from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Late statuses were reported incorrectly from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

{ dispute_item_and_explanation } Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.I would like all of the accounts mentioned to be deleted and blocked pursuant to 15 USC 1681c-2 ( a ) Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures Proof of identity XXXX documentation

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 2025-01-09 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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 2025-01-09 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: KY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-01-09 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: UT

Complaint narrative:
inaccurate information such as an account, balance, payment history, and address on multiple accounts that I have disputed before was removed then in less then 1 busied day Experian said never mind all information has been verified which is extremely disingenuous. Despite my clear evidence that the information was incorrect, Experian verified the inaccurate information as correct and did not take reasonable steps to investigate or correct it, as required under the Fair Credit Reporting Act. Experian failed to conduct a thorough investigation of the dispute, provide me with the results of the investigation in a timely manner, correct the error after receiving evidence of its inaccuracy and explain why the dispute was not resolved in my favor. As a result of this inaccurate information, I have been negatively affected, including financial harm, such as being denied credit, higher interest rates, or emotional stress. This is a direct consequence of Experians failure to correct the inaccuracy in my credit report despite my repeated attempts to resolve 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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XX/XX/year> & XX/XX/year> ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demanded these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks! Please see screenshot attached.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In XX/XX/XXXX, I filed for XXXX XXXX bankruptcy under the U.S. Bankruptcy Court for the Eastern District of XXXX. The court granted a discharge on XX/XX/XXXX, upon reviewing my credit reports from XXXX, XXXX, and TransUnion. I identified inaccuracies related to the reporting of my bankruptcy and associated accounts. 
Specific Issues Identified : XXXX. Incorrect Bankruptcy Status : XXXX. Accounts Not Updated Post-Bankruptcy : XXXX. Inaccurate Dates : Impact on Me : These inaccuracies have adversely affected my credit score, hindering my ability to obtain new credit and causing undue stress.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In XX/XX/XXXX, I filed for XXXX XXXX bankruptcy under the U.S. Bankruptcy Court for the Eastern District of XXXX. The court granted a discharge on XX/XX/XXXX, upon reviewing my credit reports from XXXX, Equifax, and XXXX. I identified inaccuracies related to the reporting of my bankruptcy and associated accounts. 
Specific Issues Identified : XXXX. Incorrect Bankruptcy Status : XXXX. Accounts Not Updated Post-Bankruptcy : XXXX. Inaccurate Dates : Impact on Me : These inaccuracies have adversely affected my credit score, hindering my ability to obtain new credit and causing undue stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation