vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I HAD A CREDIT CARD DEBT WITH BOFA THAT I WAS UNABLE TO PAY AT THE TIME OF COVID DUE TO THE CLOSING OF MY BUSINESSES. I HIRED A DEBT SETTLEMENT COMPANY TO DEAL WITH BOFA. THE DEBT SETTLEMENT COMPANY WAS FEDERAL DEBT RELIEF. FDR MADE AND AGREEMENT TO SETTLE MY DEBT BOFA AND CHARGED ME A FEE TO DO SO. I PAID THE AGREED UPON FEE AND THE MONTHLY CHARGE WHICH ACCORDING TO FDR WAS PAID TO BOFA FOR TWO YEARS. FDR THEN NOTIFIED ME THAT THE DEBT WITH BOFA WAS SETTLED. BOFA NOW SAYS IT WASN'T. ALSO FDR NOW WILL NO LONGER TALK TO ME AND HAVE MADE ALL MY RECORDS UNAVAILABLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: AUTOMOTIVE CREDIT CORPORATION
State: NC

Complaint narrative:
I am writing to file a complaint about an issue that has resulted in the fraudulent reporting of an account on my credit report, due to identity theft and inaccurate information submitted by an automobile dealership. 

Details of the Incident : - Between XX/XX/XXXX, and XX/XX/XXXX, an inquiry by " AUTOMTV CRDT '' was added to my credit report. 

- Between XX/XX/XXXX, and XX/XX/XXXX, an automotive account with " AUTOMTV CRDT '' was added to my credit report. This account was opened on XX/XX/XXXX. 

Upon reviewing this, I contacted the financial institution in XX/XX/XXXX. They informed me that an account was opened under my name and Social Security Number ( SSN ), and I immediately explained that I had never opened an account with them nor had I purchased a car. The institution attempted to verify my identity, but the address and date of birth did not match my information. At this point, I suspected identity theft. 

I submitted a dispute with XXXX in XX/XX/XXXX, but the dispute was denied, and the account was marked as legitimate. 

After further investigation, I contacted my father, with whom I share a similar name, and discovered that he had purchased a car from XXXX  XXXX, a dealership in XXXX, FL. The dealership mistakenly submitted my SSN instead of his during the car purchase process. Upon contacting the dealership, they confirmed that they would only deal with my father directly. 

I submitted another XXXX dispute, explaining that all the data on the credit account did not belong to me except for my SSN. This dispute was also denied three weeks later for the same reason as before. 

I then reached out to the financial institution, Automotive Credit Corporation in XXXX, MI, and they confirmed that they had identified the issue : my father 's information was correct on the loan except for the SSN ( which was mine ). To resolve the issue, both my father and I submitted copies of our SSNs and drivers licenses to the financial institution. Additionally, I provided a copy of my credit report to the financial institution to further clarify the issue. 

However, after reviewing my credit report, I noticed that between XX/XX/XXXX, and XX/XX/XXXX, a second hard inquiry by AUTOMTV CRDT was added to my credit report. This new inquiry occurred after Automotive Credit Corporation had already reviewed my record and identified the issue, and it is unclear why they continued to perform further inquiries despite knowing the situation. 

Furthermore, the dealership, XXXX XXXX in XXXX, FL, has been unresponsive and has failed to correct the issue by repurchasing the car from the financial institution or rectifying the credit report information. The credit issue remains unresolved to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Once again, I am writing to formally request the removal of the items that I previously asked to be removed from my report. Despite submitting this request several months ago, these items are still being reported on my account. What happened? I have already provided all the necessary details and documentation required to support my request Therefore, I kindly ask that you address this matter promptly again and ensure that the requested changes are made to my report without further delay.anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. I tried for over XXXX years to get in contact with customer service but soon realized it was an automatic bot and not a real person so I never had any of my issues addressed. I lost money, time and who knows who actually got my personal information. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NC

Complaint narrative:
I looked at a copy of my credit report and I noticed and inaccurate account XXXX XXXX XXXX XXXX. According to IRS canceled debt ( charge off ) is a gross or ordinary income. Income does not get reported on a consumer credit report. This charge off is inaccurate according FCRA 15 U.S.C. 1681e ( b ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: NC

Complaint narrative:
I looked at a copy of my credit report and I noticed and inaccurate account XXXX XXXX XXXX XXXX. According to IRS canceled debt ( charge off ) is a gross or ordinary income. Income does not get reported on a consumer credit report. This charge off is inaccurate according FCRA 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CL Holdings LLC
State: TX

Complaint narrative:
This company is claiming I opened an account with them on XXXX of XXXX. I have not. This debt started as out a {$20.00} late fee that went unpaid from XXXX! That late fee from XXXX  years ago has ballooned to {$260.00}. This is illegal and malicious and supersedes the law of of fair debt practices. No way a {$20.00} late fee has skyrocketed this high. I have asked for proof of the debt which they have refused because they know it does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 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 2025-02-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
When I checked my credit report today, I was surprised to find inaccurate accounts listed, and I dont know why. I review my credit report frequently, but this time, I noticed discrepancies that hadn't been there before. Hoping it was a temporary error, I refreshed my browser, but the inaccuracies remained. Because of this, I am requesting a careful review of my submitted documents to ensure that I wont have to face this issue in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I opened a checking account at a branch with XXXX XXXX, XXXX, Senior Banker with a {$200.00} Cash Bonus Offer promotional code XXXX and met all requirements within the time required. On XX/XX/year>, XXXX XXXX sent a message to whatever department handles the bonus. I spoke with him again a week or so later. He told me to contact Research Dept. On XX/XX/year>, I spoke with XXXX at Customer Service. She told me that the bonus wasn't paid because of the account was a Trust account. When I corrected her that it wasn't, she said she would have the Research Department contact me. As of today, I haven't heard from anyone. When I call the branch, the call gets disconnected. Before opening the account, I asked XXXX if the account I was opening as a Representative Payee for my autistic son as him as a Primary would qualify for this bonus, and I was assured it was qualified. Even he could not understand why they were not paying the bonus. I heavily relied on this senior banker who has years of experience of opening these accounts and assured me of qualification. Bank of America owes me this bonus as I have met all required terms of the agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 explanation
Consumer complaint received 2025-02-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 explanation
Consumer complaint received 2025-02-25 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: ID

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX I requested an investigation into this account. After that you did not fix the errors on this account. So on XX/XX/XXXX I requested a re-investigation of this account. After you re-investigated it, you still did not fix the errors. On XX/XX/XXXX I pointed out that this shows the high balance in {$7300.00} but XXXX is showing the highest balance as {$7200.00} which is different than what you show. The FCRA statutes state that all credit reporting agencies must report the same balances or it is deemed inaccurate and therefore must be deleted. 

Also, it shows this account was closed on XX/XX/XXXX, but it continues to show it is being charged off every month. An account can only be charged off one time. It needs to just show one time. I am requesting this account be deleted due to the continued neglect and inaccuracies even after multiple investigations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have 2 collection accounts that have changed there origin date they are older than 7 years and should be off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Someone filed a Discover Card Application under my name without my knowledge or authorization which was approved by Discover. I received a notification in the mail from Discover Card, XXXX XXXX XXXX XXXX, XXXX, DE XXXX, dated XXXX XXXX, 2025, XXXX # XXXX. Per my XXXX Credit Report, Discover performed a hard inquiry on XXXX XXXX, 2025 as Discover XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX, Ph : XXXX & listed on record until XXXX. My XXXX Credit Report shows a XX/XX/year> Inquiry from Discover XXXX XXXX XXXX XXXX, XXXX, IL XXXX. On XXXX XXXX, 2025, at XXXX EST., I called Discovers listed Ph : XXXX on the Mail notification, spoke with an XXXX who said she closed the account but had no reference number to provide. Per XXXX the card ended in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Unable to follow regulations time and time again be advised all debts are obligations of the United States and not me and I need to see some evidence of concent to use and trade and profit of my Trademarked name do you have a contract with me Im opting out permanently and any future use of my private personal information is a {>= $1,000,000} per incident fine is any data is furnished or sold or anything you do not have concent and will aggressively pursue remedy my fees are set and any credit denial that is attributed to data you furnished is {>= $1,000,000} fine per incident period if you continue to use my data you agree to my terms and fines and will pay without question as I XXXX or simply leave my data and trademark out of your system and all XXXX or any derogatory incorrect info is also {>= $1,000,000} fine per incident without cap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have attempted for over a year to get inaccurate accounts removed from my credit report. I have asked on many occasions for the method of verification. The only thing I've received is statements which does not prove these accounts belong to me. My identity was stolen and I have reported that to the federal trade commission. I sent letters XX/XX/year>, XX/XX/year> and XX/XX/year> and still no proof has been provided, nor have these accounts been removed. Some of the accounts show on some reporting agencies and not the other. Some accounts have even been removed but not from all bureaus. That makes absolutely no sense to me. I have attached all the letters I've sent and the FTC reports. I have also attached my credit reports where accounts were on one report, yet removed on a later report but not from all bureaus. Now I see the agencies getting sued for not removing unauthorized accounts on reports so I'm hoping this is my last resort to getting these accounts removed before suing them myself.

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