vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
I am writing to formally follow up on my previous requests to update my driver 's license information on my credit report. I have contacted all 3 bureaus multiple times regarding this matter, but as of today, the correction has not been reflected. This is my third request for you to update my address information accurately and in a timely manner. I have attached a copy of my license that show my correct address. 

The only address associated with me is the one on my license. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of information in a consumers credit file. Failure to update and maintain accurate records violates these standards and can result in legal action. 

Please treat this as a formal request to update my records promptly. If additional documentation or information is required, contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Subject : Unauthorized Transactions and XXXX Swap Fraud - Request for Assistance Details of the Incident : Background : I received a text notification, purportedly from XXXX, regarding a late payment on my account. The text included a link that directed me to make a payment via a phone call. 
During the call, the representative ( who I believed was from XXXX ) had access to my recent payment history and debit card information. They asked me to confirm my card details and authorize a payment to bring my account current, which I did. 
Fraudulent Activity : Immediately after the call, I received XXXX suspicious transaction notifications from my bank, indicating payments being sent to XXXX. 
Before I could act, my phone was disconnected from XXXX network due to a XXXX swap fraud, indicating that my personal information was compromised. 
Banks Response : My bank notified me of XXXX suspicious transaction attempts, of which XXXX were approved in the amounts of {$820.00} and {$910.00}. When I reported this as fraudulent, Bank of America immediately discredited the claim, calling it a scam, not XXXX. Then I was told that my issue was with XXXX. I asked why Bank of America chose to approve XXXX of what they considered suspicious transactions. I was told they could not answer that. I pressed that the transactions were fraud and asked BOA to investigate as a XXXX. They tried to talk me out of my request 3 times, explaining how they were sure the transactions were a scam and I would not be successful with my fraud claim. Now Bank of America Is not crediting the {$820.00} and {$910.00} fraudulent back to my Checking account, leaving me without then money to pay my bills. 
Desired Resolution : I request the CFPB to assist in reviewing my case and help in recovering the unauthorized funds. I believe this is a clear case of fraud and that my bank should reconsider their decision based on the evidence of a sophisticated scam involving XXXX swap fraud and unauthorized debit card transactions. 
Supporting Documentation : I am prepared to provide all relevant documentation, including the fraudulent transaction alerts, communication records with XXXX, and my bank 's response. 
Conclusion : I appreciate the CFPBs assistance in resolving this matter and ensuring that I am not held financially responsible for fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-12 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: NY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax Information Services LLC. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account Number : XXXX XXXX XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: LEXISNEXIS
State: AZ

Complaint narrative:
Under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281 SW g715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
This account : XXXX is reported in my credit report without proper validation.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OH

Complaint narrative:
I request a credit freeze/block/PIN for XXXX, XXXX, XXXX and Lexis Nexis

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: VA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, Va XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ CFPB ] [ Credit Reporting Agency Subject : Dispute of Inaccurate Information Code 15.c Dear [ CFPB ], I am writing to formally dispute certain inaccuracies in my credit report concerning accounts reported by the Department of Education and XXXX XXXX. I believe these accounts contain errors that do not accurately reflect my financial status. 

The accounts in question are as follows : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Status : Open/Closed - Account Type : [ Specify if known ] - Balance : [ Specify if known ] - Date Opened : [ Specify if known ] XXXX. XXXX XXXX XXXX - Account Number : XXXX - Status : Open/Closed - Account Type : [ Specify if known ] - Balance : [ Specify if known ] - Date Opened : [ Specify if known ] XXXX. XXXX XXXX - Account Number : XXXX - Status : Open - Account Type : Education - Balance : {$12000.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : [ Specify if known ] - Status : Open - Account Type : Education - Balance : {$910.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : [ Specify if known ] - Status : Closed - Account Type : Education - Balance : {$2600.00} - Date Opened : XX/XX/XXXX I am disputing these accounts under Code 15.c, which pertains to inaccuracies regarding the status and balance of the accounts listed above. Upon reviewing my records, I have identified discrepancies that require correction.

I kindly request that you conduct a thorough investigation into this matter and provide me with the results as well as a copy of my updated credit report once corrections have been made. Enclosed are copies of relevant documents that support my dispute, including [ list any documents you are including, such as bank statements, payment records, etc. ]. 

Thank you for your prompt attention to this matter. I look forward to your response and the correction of my credit report. 

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
Consumer complaint received 2025-01-12 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: VA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, Va XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ CFPB ] [ Credit Reporting Agency Subject : Dispute of Inaccurate Information Code 15.c Dear [ CFPB ], I am writing to formally dispute certain inaccuracies in my credit report concerning accounts reported by the Department of Education and XXXX XXXX. I believe these accounts contain errors that do not accurately reflect my financial status. 

The accounts in question are as follows : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Status : Open/Closed - Account Type : [ Specify if known ] - Balance : [ Specify if known ] - Date Opened : [ Specify if known ] XXXX. XXXX XXXX XXXX - Account Number : XXXX - Status : Open/Closed - Account Type : [ Specify if known ] - Balance : [ Specify if known ] - Date Opened : [ Specify if known ] XXXX. XXXX XXXX - Account Number : XXXX - Status : Open - Account Type : Education - Balance : {$12000.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : [ Specify if known ] - Status : Open - Account Type : Education - Balance : {$910.00} - Date Opened : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : [ Specify if known ] - Status : Closed - Account Type : Education - Balance : {$2600.00} - Date Opened : XX/XX/XXXX I am disputing these accounts under Code 15.c, which pertains to inaccuracies regarding the status and balance of the accounts listed above. Upon reviewing my records, I have identified discrepancies that require correction.

I kindly request that you conduct a thorough investigation into this matter and provide me with the results as well as a copy of my updated credit report once corrections have been made. Enclosed are copies of relevant documents that support my dispute, including [ list any documents you are including, such as bank statements, payment records, etc. ]. 

Thank you for your prompt attention to this matter. I look forward to your response and the correction of my credit report. 

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 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
MY CONSUMER REPORT IS REPORTING AN ACCOUNT THAT HAS NOT BEEN VERIFIED OR VALIDATED. THE ACCOUNT IS PAST THE STATUE OF LIMITATIONS, PAST THE STATUE OF LIMITAIONS FOR COLLECTION IN MY STATE. IT IS ALSO REPORTING INACCURATE INFORMATION IN THE STATUS DATE/AND DATES. ( THIS IS A VIOLATION OF THE FCRA AND FDCPA. I WILL NOW BE SEEKING FOR DAMAGES UNDER BOTH THE FCRA AND THE FDCPA FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT IMMEDIATELY. YOU HAVE " 1 DAY TO DELETE THIS ACCOUNT ( {$830.00} ) FROM MY CONSUMER REPORT ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, am writing to formally dispute and report fraudulent accounts and unauthorized activity appearing on my consumer credit reports with XXXX, XXXX, and TransUnion. These accounts were not opened or authorized by me, and I have never had any dealings or agreements with the entities listed below. 

I assert my rights under the Fair Credit Reporting Act ( FCRA ) and demand a thorough investigation and resolution of this matter. The FCRA ( 15 U.S.C. 1681 ) ensures my right to dispute and correct inaccurate information on my credit report and obligates credit reporting agencies and creditors to address fraudulent activity. 

The fraudulent accounts and hard inquiries appearing on my credit reports are as follows : XXXX XXXX XXXX XXXX Account XXXX. # # # # # # XXXX XXXX XXXX Account XXXX. # # # # # # XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX TransUnion XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX Georgias Own Credit XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX [ Account Details Unavailable ] XXXX XXXX XXXX [ Account Details Unavailable ] These fraudulent accounts have also resulted in several unauthorized hard inquiries and collections accounts that are negatively impacting my creditworthiness. 

Actions Requested : Immediate Removal : I demand the removal of all fraudulent accounts, inquiries, and collections items associated with them from my credit reports.

Investigation : Conduct a full investigation into these accounts and inquiries, and notify me of the results promptly.

Prevent Further Damage : Flag my credit reports to prevent any future fraudulent activity. 
Supporting Documentation : To assist with your investigation, I have attached the following : A copy of my government-issued ID. 
A recent utility bill or proof of residence. 
A copy of my credit reports highlighting the disputed accounts. 
Under the FCRA, you are required to investigate my dispute within 30 days. Please provide written confirmation once the fraudulent items have been removed, along with an updated copy of my credit report reflecting these corrections. 

I trust that you will take this matter seriously and act promptly to resolve this issue. I can be reached at the contact information above if further documentation or clarification is needed. 

Certification : I affirm, under penalty of perjury, that the information provided in this affidavit is true and accurate to the best of my knowledge.

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 2025-01-12 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, am writing to formally dispute and report fraudulent accounts and unauthorized activity appearing on my consumer credit reports with Equifax, XXXX, and XXXX. These accounts were not opened or authorized by me, and I have never had any dealings or agreements with the entities listed below. 

I assert my rights under the Fair Credit Reporting Act ( FCRA ) and demand a thorough investigation and resolution of this matter. The FCRA ( 15 U.S.C. 1681 ) ensures my right to dispute and correct inaccurate information on my credit report and obligates credit reporting agencies and creditors to address fraudulent activity. 

The fraudulent accounts and hard inquiries appearing on my credit reports are as follows : Equifax XXXX XXXX XXXX Account XXXX. # # # # # # XXXX XXXX XXXX Account XXXX. # # # # # # XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX Georgias Own Credit XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX [ Account Details Unavailable ] XXXX XXXX XXXX [ Account Details Unavailable ] These fraudulent accounts have also resulted in several unauthorized hard inquiries and collections accounts that are negatively impacting my creditworthiness. 

Actions Requested : Immediate Removal : I demand the removal of all fraudulent accounts, inquiries, and collections items associated with them from my credit reports.

Investigation : Conduct a full investigation into these accounts and inquiries, and notify me of the results promptly.

Prevent Further Damage : Flag my credit reports to prevent any future fraudulent activity.

Supporting Documentation : To assist with your investigation, I have attached the following : A copy of my government-issued ID.

A recent utility bill or proof of residence.

A copy of my credit reports highlighting the disputed accounts.

Under the FCRA, you are required to investigate my dispute within 30 days. Please provide written confirmation once the fraudulent items have been removed, along with an updated copy of my credit report reflecting these corrections.

I trust that you will take this matter seriously and act promptly to resolve this issue. I can be reached at the contact information above if further documentation or clarification is needed.

Certification : I affirm, under penalty of perjury, that the information provided in this affidavit is true and accurate to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: SC

Complaint narrative:
Credit report breach I missed the dead line but I was affected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/year>, the CFPB banned excessive credit card late fees to {$8.00}. Helping the consumer cut down on paying late fee charges. 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-bans-excessive-credit-card-late-fees-lowers-typical-fee-from-32-to-8/ Synchrony Bank did not adhere to the updated federal ruling. 

I will list the dates and charges of each late fee issued on my Discount Tires Store card : XX/XX/year> - {$30.00} XX/XX/year> - {$41.00} XX/XX/year> - {$41.00} XX/XX/year> - {$41.00} XX/XX/year> - {$41.00} According to federal ruling, I was overcharged by {$150.00}. My total of my late fees should have resulted in the amount of {$40.00}.

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 monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: AUTOMOTIVE CREDIT CORPORATION
State: FL

Complaint narrative:
I am writing to report that I have been a victim of identity theft as a result of a recent data breach. I was made aware my personal information, including my Social Security number, date of birth, and financial account details were compromised in the breach leading to the unauthorized opening of accounts and accumulation of fraudulent debt in my name. The following fraudulent activities occurred : Unauthorized credit card accounts have been opened under my name with XXXXXXXX XXXX and XXXX XXXX XXXX. A loan was taken out in my name with Automotive Credit. Utility accounts were opened with XXXX XXXX and XXXX XXXX. Several attempts were made to access my bank and credit files.

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