vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Removal of Fraudulent Accounts from Credit Reports Dear Sir/Madam , I am writing to formally request the removal of fraudulent accounts listed on my credit report with Experian, XXXX, and XXXX XXXX as these accounts were created as a result of identity theft. The details of these fraudulent accounts have been reported to the Federal Trade Commission ( FTC ), and the reference number for my FTC Identity Theft Report is XXXX. 

I am invoking my rights under the following laws to request the immediate investigation and removal of these accounts : 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) : Protects consumer privacy and prohibits the sharing of sensitive financial information without consent.

15 U.S.C. 1681b ( Fair Credit Reporting Act ) : Governs the permissible purposes for which a consumer report can be furnished and prohibits the inclusion of inaccurate information.

18 U.S.C. 1028A ( Aggravated Identity Theft ) : Addresses penalties for knowingly using, without lawful authority, another persons identity to commit fraud.

The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXXXXXX : Account # XXXX, fraudulent amount {$2700.00} XXXX XXXXXXXX : Account # XXXX, fraudulent amount {$750.00} XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, fraudulent amount {$3000.00} XXXX XXXX XXXX XXXX Account # XXXX, fraudulent amount {$2400.00} Credence Resource Management : Account # XXXX, fraudulent amount {$420.00} These accounts do not belong to me, and I have no knowledge of their origins or any transactions associated with them. As required by law, I am providing the following documentation to support my claim : A copy of my FTC Identity Theft Report A copy of my identification ( if required ) A copy of the fraudulent entries on my credit report Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to investigate disputes and remove fraudulent information promptly. Please ensure that all records of these accounts are permanently deleted from my credit file to prevent further harm. 

I appreciate your prompt attention to this matter. Please confirm the receipt of this letter and inform me of any additional steps I need to take. You may reach me at XXXX or XXXX. 

Thank you for your cooperation. 

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 explanation
Consumer complaint received 2025-01-08 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-08 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I requested removal of Bridgecrest account..the account is over 10 years. The account was opened in XX/XX/XXXX. It was paid off in XXXX charged off in XXXX. In the past I've had issues with an account that was paid for and a car I no longer own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX, XXXX, TransUnion- have all filed to properly investigate negative items and closed accounts as requested on my accounts ( XXXX XXXX  ) Which has had a negative impact on my ability for home loan approval and Improperly reinserting inaccurate information on consumer reports even after i have completed FCRA investigate in 2024 with no resolve.

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 2025-01-08 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: OH

Complaint narrative:
XXXX, Equifax, XXXX- have all filed to properly investigate negative items and closed accounts as requested on my accounts ( XXXX XXXX ) Which has had a negative impact on my ability for home loan approval and Improperly reinserting inaccurate information on consumer reports even after i have completed FCRA investigate in 2024 with no resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I reached out to NFCU for information on a XXXX since my information has been written off but i have not received this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NC

Complaint narrative:
Hello, I am requesting an investigation into these accounts, as there appears to be confusion regarding their accuracy on my credit report. These accounts were previously removed but have been re-added without my awareness. I was not notified of their reinstatement and have not received any mail correspondence about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NC

Complaint narrative:
Hello, I am requesting an investigation into these accounts, as there appears to be confusion regarding their accuracy on my credit report. These accounts were previously removed but have been re-added without my awareness. I was not notified of their reinstatement and have not received any mail correspondence about this issue.

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 2025-01-08 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: NC

Complaint narrative:
Hello, I am requesting an investigation into these accounts, as there appears to be confusion regarding their accuracy on my credit report. These accounts were previously removed but have been re-added without my awareness. I was not notified of their reinstatement and have not received any mail correspondence about this issue.

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 2025-01-08 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-08 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: MI

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding a promotional bonus that was not issued to me by Bank of America ( BOA ) as advertised. 

In XX/XX/XXXX, I opened a credit card at a BOA branch with the understanding that I would receive a {$200.00} bonus for spending {$1000.00} within the first 90 days of account opening, as per the promotional offer. The banker I worked with assured me after confirming multiple times that the promotional bonus code had been properly applied to my account. However, after completing the required spending within the 90-day period, I did not receive the bonus. 

Upon returning to the branch for clarification, the banker informed me that the reason for not receiving the bonus was likely because I had opened a secured credit card. The banker advised me that I could contact BOA after 6 months to a year to convert the secured card into an unsecured card, and at that time, I could be eligible for the bonus. 

On XX/XX/XXXX, I contacted BOA customer service, and they successfully converted my secured card to an unsecured card. However, they informed me that the promotional bonus could not be issued, citing that I had not opened a " credit card '' under the promotional offer. 

This is unacceptable for the following reasons : The advertisement for the promotion did not explicitly exclude secured credit cards. 
The banker at the branch assured us multiple times that the promotional code was applied and that we would receive the bonus upon meeting the spending requirement. 
BoA 's reasoning contradicts the initial communication we received at the time of account opening.

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 2025-01-08 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:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
MY ACCOUNT BALANCE IN XXXX IS BLOCKED AND I HAVE MY BUSINESS ACCOUNT CLOSED IN XXXX, BUT I HAVE AVAILABLE BALANCE FROM SALES THAT I HAVE NOT YET RECEIVED, AND I CAN NOT WITHDRAW THE MONEY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FLORIDA XXXX ] Payout # XXXX - XX/XX/year> Charges {$9500.00} Total {$9500.00}

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 2025-01-08 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: FL

Complaint narrative:
Im fed up with these fraudulent accounts on my credit report. Theyve been damaging my score and blocking me from opportunities Ive worked hard for. The longer this goes on, the more frustrated and helpless I feel.

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 2025-01-08 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: FL

Complaint narrative:
I am filing this complaint regarding the XXXX XXXX  account ( Account Number : XXXX ) on my credit report, which reflects a significant violation of the Fair Credit Reporting Act ( FCRA ). 

Failure to Provide Reinvestigation Details : Upon my dispute of the information reported for this account, I requested a detailed explanation of the reinvestigation process as mandated by 15 U.S.C. 1681i ( a ) ( 6 ) of the FCRA. The credit reporting agency has failed to provide this essential information within the required timeframe. This omission prevents me from understanding how the investigation was conducted and what findings were made, undermining my right to a fair and accurate credit report. 

Given this failure to comply with federal law, I am requesting the immediate deletion of this account from my credit report. I also urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this violation to ensure adherence to the FCRA. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CADENCE BANK
State: TX

Complaint narrative:
I originally inquired about a line of credit against a property I owned in XX/XX/XXXX. 
There were issues with that process and we finally were able to move on. 
XXXX of the issues was the backdating of the contract terms. When I inquired about this on a call with the Market President, XXXX XXXX at Cadence Bank, he assured me it wouldn't be a problem regarding the dates not matching the time of execution. 

Once I finally submitted the loan docs, overnight mail on XX/XX/XXXX, it took them another 1.5 weeks to respond to me regarding the status of the application and access to funds. At this time, I still had not opened any bank accounts with Cadence. 

By this time I had lost confidence in their process and made that clear to XXXX. There were too many delays and inefficient processes within their operations and I did not feel comfortable doing business with them. This same day, XX/XX/XXXX, I received a letter in the mail stating I had a {$500.00} admin fee. 

The details of the letter are : Date of Invoice : XX/XX/XXXX Payment Due Date : XX/XX/XXXX Fees Due : {$500.00} XXXX immediately sent him a picture of the letter and demanded an explanation as to why I would receive a fee considering no contracts were executed until XX/XX/XXXX, and WHY the dates in question are predated by a month. 

He could not give me an satisfactory explanation. I requested documentation of why that fee originated and an immediate fix. 

In a subsequent email on the same day ( XX/XX/XXXX ), I requested a termination of any contracts I had with the bank and instructed them to not fund my account from the line of credit for which I had applied. The next morning on XX/XX/XXXX, XXXX called me to try and convince me to do business with Cadence Bank. 

Considering I no longer trusted him, I told him I was going to record the call. I proceeded to record the duration of the call with XXXX. On the call, he explicitly admitted there was checking account opened in my name which I never signed for. He also mentioned he funded the account with {$100.00}. 

I demanded all accounts be closed and all contracts nullified and to release the lien on my property under which the line of credit was established. 

A few hours later he requested I pay the origination fees of {$2200.00} before they would release the lien on my property. 

As of this writing, Cadence Bank is in first position with a lien in my property and on the home owners insurance policy as the beneficiary. 


I have voice recordings to substantiate my claim. I can provide the recording upon request.

Company response to consumer: Closed with explanation