vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: MI

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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
This occurred with Truist Bank. I called the customer service number for help. 
On XX/XX/XXXX, I had a balance of XXXX in my checking account. I purchased on XX/XX/XXXX of XXXX and XXXX, which posted on XX/XX/XXXX. With a balance of {$59.00}, I made another purchase of XXXX on XX/XX/XXXX, which went into pending that same date, and I was left with XXXX. I made another purchase of XXXX, which put me in a negative of {$2.00}, but it was pending ; both transactions were pending. There was a refund for XXXX. I deposited on XX/XX/XXXX of XXXX, which was on a Sunday. The transactions did not post until XX/XX/XXXX to the account. A credit of XXXX was posted first, then the XXXX deposit, then the XXXX, XXXX debits were posted last.. 
My issue is that the bank gave me a XXXX overdraft fee when the balance only had an XXXX, and a XXXX debit that was pending since XX/XX/XXXX. They added the debit ahead of the transaction that took the balance into negative. Instead of my balance being in the negative on XX/XX/XXXX, it was XXXX. 
XX/XX/XXXX XXXX Posted Balance XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- XXXX Posted Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Posted Balance XXXX XXXX My issue is that they put the fee on me when my debits were pending. The representative tried to say the XXXX and the XXXX XXXX debits put me over but the XXXX and a XXXX debit had just posted on the am of XX/XX/XXXX so my balance was XXXX and the account did not go over until the second XXXX debit but both of those debits were pending until XX/XX/XXXX when they posted to my account. 
I have in the past gone into the negative, and as long as I deposited the funds into my account before they came out of pending, the next business day, I did not get a fee. Please assist me. I can provide a screenshot, but I don't see an attachment here.

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 2025-03-31 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Employers : XXXX XXXX Employers : XXXX XXXX  These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stephen L. Bruce, P.C.
State: LA

Complaint narrative:
My XXXX credit card was charged off on XX/XX/XXXX. It was then picked up by their attorneys, XXXX XXXX & XXXX. The original judgement was made early XXXX in the amount of {$1400.00}. I made an agreement XXXX pay them {$120.00} per month starting XXXX of XXXX until the balance was paid off. XXXX begin, I was not told that this account accrues daily interest. As the months went on I made my payments consistently. However, I missed my XXXX payment but was told I can make it up with my XXXX payment XXXX  it would just extend another month. I made my XXXX payment, then missed my XXXX payment. I then had some issues with my bank around XXXX, but I eventually made a lumpsum payment of {$380.00} XXXX make up for those missed months XXXX XXXX  get myself back on track. My payments brought my balance down XXXX {$540.00}, or so I thought. XXXX day, I called in XXXX  the office XXXX get an updated balance. To which I was then stunned to learn the balance was now {$920.00}. According XXXX the employee I spoke with, there was a second judgement signed on XX/XX/XXXX, XXXX days before my payment of {$380.00}, that added {$360.00} XXXX the total balance. When i asked what the purpose of the second judgement was, I was not given a clear answer. I truly believe this company is just being greedy XXXX  not willing XXXX work with me considering my balance was almost paid in full, XXXX I am not in a position where I am unable XXXX unwilling XXXX  make any further payments until something can be worked out. I have my payment history XXXX a copy of the second judgement as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
Purchased a used refrigerator from XXXX XXXX XX/XX/XXXX @ XXXX XXXX Company policy states that they repair or replace item with 60 days if there are any issues. The refrigerator power cord broke on XX/XX/XXXX. I showed my transaction receipt ; company refused to replace or repair refrigerator. I requested a refund from CASH APP, CASH APP hasn't return payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX, XX/XX/year> Experian XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XX/XX/year> Experian Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
I have not supplied proof under the XXXX  XXXX  XXXX  XXXX  XXXX, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 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: GA

Complaint narrative:
I have not supplied proof under the XXXX  XXXX  XXXX  XXXX  XXXX, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 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: AZ

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 explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year> I received an online notice that my account was being closed due to fraud activity. I called and asked what exactly happened because my card was being used responsibly, no fraudulent activity had ever occured and my account was in good standing. I recieved a general explanation and was told that dont have an exact reason why and that there was no way to find out what exactly happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: MO

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I took out interest free financing with XXXX XXXX XXXX or XXXX for the purchase of furniture in the amount of {$XXXX}. I was told that if I make the payments in accordance with the terms of the plan that I would not be charged interest. Apparently, that is not the case and the payment plan ended in XX/XX/year>. I was not notified of the expiring plan and I was charged {$XXXX} for interest. That is XXXX  % interest on the original balance. This is completely predatory.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
Tried to call I get hung up on as soon as type phone number account under tried new number can't get connected to rep this started today when I questioned my pay XXXX wad supposed to go to checking then was resolved .ade or tried to pay at gas station denied but says on virtual account XXXX XXXX XXXX for exact time have store as witness

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
I am writing to file a formal complaint regarding the handling of my XXXX XXXX account, which was transferred to collections under the name of XXXX XXXX. This complaint involves multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically concerning the failure to report the collection account accurately, along with discrepancies on my credit reports. 

XXXX XXXX and the collection agency XXXX XXXX have failed to report the collection account accurately on my credit report. XXXX XXXX, which holds the collection account, does not appear at all on my credit report. This failure violates the FCRA, which mandates that accurate information must be reported to consumer reporting agencies. 

Discrepancies and Inaccuracies on Credit Report : No Payment History Reported to TransUnion and XXXX : There is no payment history reported to TransUnion and XXXX for this collection account, which is a violation of the reporting standards under the FCRA. 

Inaccuracies in XXXX and XXXX XXXX : The original balance and current balance listed on my credit report for this account do not match. This discrepancy violates the FCRA requirement to report information accurately. 

Listed as Both Open and Closed Account : The account is being reported as both open and closed in different sections of my credit report. This conflicting information violates the accuracy standards set forth under the FCRA. 

Violation of FDCPA & FCRA : FDCPA Violation : Under the FDCPA, debt collectors are required to report accurate information to the credit bureaus. The failure of XXXX and XXXX XXXX to report this collection account correctly may be considered a violation of the FDCPA. 

FCRA Violation : Under the FCRA, all information reported to consumer reporting agencies must be accurate. XXXX and XXXX XXXX are in violation of these standards by failing to properly report the collection account, and by reporting inaccurate information such as the open/closed status, incorrect balances, and lack of payment history. 

I have previously sent XXXX letters requesting debt validation to XXXX at the addresses " XXXX XXXX XXXX XXXX, XXXX  XXXX '' on XX/XX/XXXX which I never received a response from, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX '' on XX/XX/XXXX which was returned to me. This failure to respond also violates provisions under the FDCPA, which mandates that debt XXXX provide verification upon request.

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 2025-03-31 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: NC

Complaint narrative:
I am writing to file a formal complaint regarding the handling of my XXXX XXXX account, which was transferred to collections under the name of XXXX XXXX. This complaint involves multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically concerning the failure to report the collection account accurately, along with discrepancies on my credit reports. 

XXXX XXXX and the collection agency XXXX XXXX have failed to report the collection account accurately on my credit report. XXXX XXXX, which holds the collection account, does not appear at all on my credit report. This failure violates the FCRA, which mandates that accurate information must be reported to consumer reporting agencies. 

Discrepancies and Inaccuracies on Credit Report : No Payment History Reported to XXXX and Equifax : There is no payment history reported to XXXX and Equifax for this collection account, which is a violation of the reporting standards under the FCRA. 

Inaccuracies in XXXX and XXXX XXXX : The original balance and current balance listed on my credit report for this account do not match. This discrepancy violates the FCRA requirement to report information accurately. 

Listed as Both Open and Closed Account : The account is being reported as both open and closed in different sections of my credit report. This conflicting information violates the accuracy standards set forth under the FCRA. 

Violation of FDCPA & FCRA : FDCPA Violation : Under the FDCPA, debt XXXX are required to report accurate information to the credit bureaus. The failure of XXXX and XXXX XXXX to report this collection account correctly XXXX be considered a violation of the FDCPA. 

FCRA Violation : Under the FCRA, all information reported to consumer reporting agencies must be accurate. XXXX and XXXX XXXX are in violation of these standards by failing to properly report the collection account, and by reporting inaccurate information such as the open/closed status, incorrect balances, and lack of payment history. 

I have previously sent XXXX letters requesting debt validation to XXXX at the addresses " XXXX XXXX XXXX XXXXXXXX XXXX  XXXX '' on XX/XX/XXXX which I never received a response from, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX '' on XX/XX/XXXX which was returned to me. This failure to respond also violates provisions under the FDCPA, which mandates that debt XXXX provide verification upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: UT

Complaint narrative:
Subject : Urgent Dispute & Demand for Deletion Under FCRA 611 & FDCPA 809 Dear [ Credit Bureau Name ], I am formally disputing the accuracy of an account that appears on my credit report. Under 15 U.S. Code 1681i ( FCRA Section 611 ), I demand that you reinvestigate and delete this information within 5 days, as it is inaccurate, incomplete, and unverified. Additionally, under 15 U.S. Code 1692g ( FDCPA Section 809 ), I am requesting strict validation of this alleged debt. 
Account Information : T : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXXXXXX 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 
My Demands for Verification : I require strict proof of validation, including but not limited to : Complete itemized account history showing all transactions.

Original signed contract/agreement proving my obligation to this account.

Method of verification used by your bureau to confirm the validity of this data.

Date and party that last verified this information and the source used.

Legal Notice & Consequences for Non-Compliance : FCRA Section 611 requires that unverifiable information be deleted immediately.

FDCPA Section 809 prohibits the reporting of debts that lack full validation.

If you fail to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action for damages.

I expect a written response within 5 days confirming the removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief