vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year> I got my tax refund deposited into my XXXX  XXXX account it was total of {$2400.00}. I made XXXX transfer to my new Truist account that was only couple days old I XXXX {$580.00}, {$750.00}, {$850.00} thats a total of {$2100.00} into my new trust checking and money marketing account I XXXX {$250.00} into my credit union account to pay for my braces and I XXXX {$40.00}, {$60.00}, and {$85.00} back into my XXXX  XXXX and discover account that should leave me with {$1500.00} into my money marketing account and {$160.00} into my checking account few hours later I tried to log in and my account is closed due to fraud?!? I simply told them that was me that made those transactions they told me to send my personal information to XXXX such as my social security card, debit card, my drivers ID, the XXXX confirmations and selfie of me! Which I provided they still made the decisions to close my account Ive been on the phone with them since XX/XX/XXXX and they been giving me the run around saying I wont see my money again! Theyre going to mail me check, and my money is with the treasury and saying again theyre going to mail me check I just want my {$1700.00} back. They been lying to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I first received at text saying Suncoast CU Alerts : New device ( XXXX ) has been logged in via Online banking. Reply ( N ) if not recognized, ( Y ) if recognized. Text -STOP* to opt-out. Msg & Data rates may apply. 

Then I received a call and threats saying he knows where I live and hes coming to my house I have called the police but theres nothing they can do but told me to let you guys know. He has also sent me a picture of his account balance with XXXX XXXX XXXXXXXX saying this is all the money he has made scamming people and that its his job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been married for years now, and their are credit cards in my name that are not being paid and this is not me, I had my information stolen from my husband ex wife and I filed a police report 2 years ago and this is still on all XXXX of my credit report. 

I would like everything with last name XXXX removed as I have been married since 2015. This is fraud and goes against my constitutional rights are I declare this be removed immediately. I have reached out to the companies and provided proof to them and they are still on my report. This is fraud and I want these items removed.

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 2025-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have been married for years now, and their are credit cards in my name that are not being paid and this is not me, I had my information stolen from my husband ex wife and I filed a police report 2 years ago and this is still on all XXXX of my credit report. 

I would like everything with last name XXXX removed as I have been married since 2015. This is fraud and goes against my constitutional rights are I declare this be removed immediately. I have reached out to the companies and provided proof to them and they are still on my report. This is fraud and I want these items removed.

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 2025-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My current bank account is bank of America, my account was hacked and later closed from using XXXX on my savings account. also I have extra charges on my checking account that I am having trouble with my account constantly being closed due to 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 2025-02-16 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: TX

Complaint narrative:
I am writing to formally dispute certain information that I believe is inaccurate on my credit report. I have reviewed my report from your agency, and I have identified the following information that is incorrect XXXX XXXX XXXX The date that is open is incorrect Im disputing this because the information is incorrect and need it removed immediately to purchase an home I have attached supporting documents to assist in the investigation Please conduct a thorough investigation and correct or remove the inaccurate information as soon as possible. Under the Fair Credit Reporting Act, I request that this dispute be resolved within 30 days and that I be informed of the outcome in writing If you need any further information from me to facilitate your investigation, please feel free to contact me. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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:
Complaint Summary : On XX/XX/year>, I obtained my credit report from TransUnion, which contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards. TransUnion is improperly reporting charged-off accounts with an active past-due balance, violating 15 U.S.C. 1681s-2 ( b ), 1681e ( b ), and Metro 2 guidelines.

TransUnion failed to ensure maximum possible accuracy and is reporting misleading and incorrect data, harming my creditworthiness.

FCRA and Metro 2 Violations in My Credit Report : 1. Charge-Offs with an Active Past-Due Balance ( FCRA & Metro 2 Violation ) TransUnion is inaccurately reporting charged-off accounts with a past-due balance, which is non-compliant with Metro 2 rep
orting standards.

FCRA Violation 15 U.S.C. 1681e ( b ) : Credit reporting agencies are legally required to ensure " maximum possible accuracy. '' A charged-off account can not continue to have a past-due balance, as it has already been written off by the creditor.

Metro 2 Violation : Per CDIA Metro 2 guidelines, a charge-off must have a {$0.00} past due balance. Reporting otherwise is inaccurate and misleading.

2. Failure to Investigate and Correct Inaccurate Data ( FCRA Violation 15 U.S.C. 1681i ( a ) ) I previously disputed these errors, yet TransUnion failed to delete the false reporting within 30 days, violating my rights under the FCRA.

FCRA Violation 15 U.S.C. 1681s-2 ( b ) : TransUnion is required by law to reinvestigate and correct any inaccurate or unverifiable information but has failed to do so.

CFPBs Recent Lawsuit Against Credit Bureaus has already shown systemic failures in how CRAs conduct reinvestigations, and TransUnion is no exception.

3. Improper Reporting Practices Impacting XXXX  XXXX  By reporting both a charge-off and a past-due balance, TransUnion is misrepresenting my financial obligations and inflating the negative impact on my credit score.

This constitutes double jeopardy reporting, misleading creditors and affecting my ability to obtain new credit.

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 2025-02-16 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulet account on my report.Please remove these accouts from my report they are hurting my ability to obtain credit .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 explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On XXXX XXXX XXXX we initiated a money transfer in the amount of {$150.00} via Western Union to be made available to my brother-in-law in the Philippines. The funds were withdrawn from our checking account, as we had requested, on XX/XX/XXXX ; however, for no good reason that Western Union was able to provide, they have refused to make the money available to my brother-in-law until XX/XX/XXXX. The transaction number ( XXXX ) for this transfer is XXXX. 

I am very well aware that this delay constitutes " playing the float. '' However, they are not entitled to do that and have no basis on which to withhold the funds from the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: MO

Complaint narrative:
Dear CFPB and Equifax Regarding XXXX XXXX XXXX XXXX XXXX  ) FCRA violation 15 USC 1681 ( i ) 2 ( B ) Please note this is a separate report of FCRA violation from complaint number XXXX I had requested on XX/XX/year> for a thorough and reasonable investigation on my Mercury credit card account. Equifax failed to notify me that they changed the lenders name on my credit report from XXXXXXXX XXXX XXXX XXXX XXXX  and they used this as an excuse to not investigate. They wrongfully stated that the XXXX credit card account is no longer on my report. That is false. Prior to the investigation the name was under XXXX however, they made changes to the credit report without notifying me and changed the name to XXXX XXXX XXXX. Not only is the unauthorized name change deceitful and FCRA violation, but they also failed to notify me of the changes and this resulted in the 30 days without an investigation. XXXX XXXX and Equifax did not change the name from XXXXXXXX XXXX XXXX XXXX XXXX 
Equifax is in violation of 15 USC 1681 ( i ) ( a ) 2 ( B ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all related information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in sub paragraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Equifax is in violation of the law because they failed to notify me that they changed the lenders name on my credit report from XXXX XXXX XXXX XXXX XXXX. The name was changed, intentionally to cause me to believe falsely that my XXXX account had been removed from the report. 
Please also be aware that XXXX XXXX and XXXX have not changed the lenders name of mercury to XXXX XXXX XXXX. 
The fraudulently changing of the lenders name and not notifying caused confusion and is deceptive. This deceitfulness undermine the integrity of the credit reporting agency. It also cost me a valid investigation during the 30 day timeframe back in XX/XX/year> I became aware of the name change after I waited XXXX to XXXX hours to speak to customer care who was equally suspicious by the name, change and the lack of any type of investigation of my any of my disputes. 
I am demanding that the XXXX XXXX  XXXX  account, also known as XXXX XXXX XXXX  or any other name that it may have been changed to be deleted from my credit file at once If it is not deleted immediately, I will file another FCRA report or take other action actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: OH

Complaint narrative:
This account violates consumer rights to privacy and confidentiality under 15USC1681, 15USC1681 section 602A, 15USC1681eb, 15USC1681c.a5, 15USC1681s2A1 demand for instant discharge requested.

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 2025-02-16 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: PA

Complaint narrative:
I have XXXX inquiries on my transunion XXXX and XXXX account that i dont have no products of or and services from none of the companies listed

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 2025-02-16 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: PA

Complaint narrative:
I have XXXX inquiries on my transunion XXXX and XXXX account that i dont have no products of or and services from none of the companies listed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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:
i recently reviwed my credit report and noticed that an account that was not reporting accurately i have 3 late payment on an account that i was in fact paid one time the comsumer reporting agencies need to report all information with complete accuracy this account has no been late on payments ive attached a copy of my report to this complains on the following XXXX XXXX XXXX XXXX Account Number : XXXX Please update the status of this account to " paid on time. '' XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please update the status of this account to " paid on time. 'XXXX XXXX XXXX XXXX XXXX Account XXXX Please update the status of this account to " paid on time. '' i now requesting you investigate this account and update these payment to paind on time inmediataly thank you for you understanding and pronpt action

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 2025-02-16 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: TN

Complaint narrative:
I am filing a formal complaint against TransUnion LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to an inaccurate XXXX record on my credit report. 

FCRA Violations by TransUnion : Failure to conduct a proper reinvestigation ( FCRA 611 ( a ) ( 1 ) ) Failure to provide the legally required Method of Verification ( MOV ) ( FCRA 611 ( a ) ( 7 ) ) Failure to ensure maximum possible accuracy in credit reporting ( FCRA 607 ( b ) ) Summary of My Dispute & TransUnions Response : On XX/XX/year>, I formally disputed a XXXX record appearing on my TransUnion credit file and requested a full Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ). 

I submitted documentation from XXXX, proving that XXXX does not obtain XXXX directly from the courts but instead receives data from TransUnion. 
On XX/XX/year>, TransUnion responded, stating : Address Removal : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX REMOVED XXXX Record ( XXXX XXXX XXXX XXXX  ) VERIFIED AS REPORTED TransUnion FAILED to provide the required MOV and did NOT produce independent court records proving verification. 

How TransUnion Violated the FCRA : 1 Failure to Conduct a Proper Reinvestigation ( FCRA 611 ( a ) ( 1 ) ) TransUnion did not provide court documentation as proof of verification. 
The dispute was not properly reinvestigatedthe XXXX was simply verified without showing how. 
2 Failure to Provide the Required Method of Verification ( FCRA 611 ( a ) ( 7 ) ) I requested MOV, including : The name and contact information of the verifying entity. 
The specific source ( court records ) used for verification. 
Explanation of XXXX role in verification. 
TransUnion failed to provide any of this information. 
3 Failure to Ensure Maximum Possible Accuracy ( FCRA 607 ( b ) ) TransUnion is the primary source of this XXXX record, not the courts. 
If TransUnion can not verify the information independently, it must be deleted. 
TransUnion is knowingly reporting unverified information. 

How TransUnions Actions Have Harmed Me : Denial of credit approvals that I was otherwise eligible for. 
Higher interest rates on loans and credit cards. 
Inability to obtain necessary financing for personal and business needs. 
Financial and emotional distress caused by TransUnions negligence. 

TransUnions actions violate federal law and require regulatory enforcement.

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 2025-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
someone used my identity to open account with 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 2025-02-16 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. section 605 ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I have tried to work with Sallie Mae to lower my monthly payment to at least {$150.00}, but they have stated that no options are available despite my financial hardship. My father is on XXXX, unable to walk, and hasnt worked for years, while my mother is also ill and unable to assist due to her medical responsibilities. Additionally, Sallie Mae has required multiple financial assessments involving my parents, but there is a language barrier as they speak XXXX and do not speak XXXX well. The representatives have been extremely rude, leaving threatening messages for my parents and me. Currently, my monthly payment to Sallie Mae is over {$1000.00}, which I can not afford, and the only option they have provided lowers it to $ XXXXstill unaffordable for me. I have been paying what I can towards the loan, but my parents are unable to help me due to their own financial and health struggles. Since graduating from XXXX University in XXXX, I have struggled to find stable employment, making it even harder to manage my loan payments. When I attended XXXX University from XXXX to XXXX, I couldnt afford the tuition and had to take out private loans. The financial aid office was dismissive of my situation and provided no support, which led to immense stress and mental health struggles. I feel that as a first-generation college student with immigrant parents, XXXX University took advantage of our financial hardship. I am filing this complaint to address these ongoing issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation