vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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: Radius Global Solutions LLC
State: FL

Complaint narrative:
I am writing to formally dispute the reporting of my account ( # XXXX ) with your organization. This account allegedly originated with XXXX XXXX XXXX and is being reported inaccurately and inconsistently across the three major credit bureaus ( XXXX, XXXX, and XXXX ). Your actions violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I demand immediate correction of these errors. 

Account Information Creditor Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Balance : {$5900.00} Status : Derogatory ( Collection/Chargeoff ) Last Reported : XX/XX/XXXX Violations of the FCRA Inaccurate Reporting 15 U.S.C. 1681s-2 ( a ) : The account is being reported inconsistently across the credit bureaus. For example : XXXX : Reports the account as opened on XX/XX/XXXX. 

XXXX : Reports the account as opened on XX/XX/XXXX. 

These inconsistencies violate 15 U.S.C. 1681s-2 ( a ), which requires creditors to provide accurate and complete information to credit bureaus.

Failure to Investigate Disputes 15 U.S.C. 1681s-2 ( b ) : I have attempted to dispute these inaccuracies directly with your organization and the credit bureaus, but the errors have not been corrected. This is a violation of 15 U.S.C. 1681s-2 ( b ), which requires creditors to promptly investigate disputes and correct inaccuracies.

Failure to Provide Proper Notice 15 U.S.C. 1681c ( f ) : I was not given proper notice of this debt being reported to the credit bureaus, as required by 15 U.S.C. 1681c ( f ). This law mandates that creditors notify consumers of negative information being reported.

Failure to Update Information 15 U.S.C. 1681c ( a ) : The account is being reported as a collection/charge-off, but there is no evidence that the debt is valid or that I was notified correctly. This violates 15 U.S.C. 1681c ( a ), which requires creditors to update information to reflect the account 's current status. 

Legal Precedent In the case of XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that creditors are responsible under the FCRA to investigate consumer disputes and correct inaccuracies in credit reporting. The court ruled that the creditors failure to conduct a reasonable investigation was a violation of the FCRA. 

Additionally, in XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court emphasized that creditors must ensure the accuracy of information reported to credit bureaus and correct errors upon notification. The court found that the creditors failure to do so constituted a violation of the FCRA.

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 2025-03-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
On XX/XX/XXXX, my husband and I tried to open a joint CD with Marcus. The application did not go through, and when we called it was determined that this was because I was an authorized user ( with my maiden name ) on my father 's GM rewards credit card. The representative at Marcus transferred us to GM so that I could update my profile, after which I was told our application should go through. We updated the requested information at GM ( name and email- though I later found out the email was entered missing a ". " ), but we still could not open an account at Marcus. We were told to call back and ask for a manual review of our account. We called back on XX/XX/XXXX and despite asking for a manual reviewer, it was unclear if we were transferred to the right person to help open our account. Again the application did not go through and I was told that my information on the GM profile did not match ( keep in mind that because I was only an authorized user on this account, I have no way to log in to GM and fix this ). We called GM again and were told that my dad would have to be on the line to fix my profile info or that he needed to fix it in the app or online. He did this as requested ( updating online ). On XX/XX/XXXX, we still could not open a Marcus CD despite my profile information having been updated online on my dad 's credit card. We called Marcus again, and they sent us back to GM. I now got my dad on the phone with GM and we try to explain the situation. The call gets dropped. We call again, and we keep getting transferred back and forth between GM and Marcus with no one taking full responsibility for fixing this issue or for giving us an answer on how it can be resolved. The last gentleman we spoke to at GM now tells us that I need a different email on the GM account than the Marcus account -- the opposite of what Marcus has told me. At this point, this has taken > 4 hours of my time, > 1.5 hours of my father 's time, and my husband and I still can not open a CD with Marcus. I am incredibly disappointed and frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> I received a notice on my report that there was a hard inquiry on my report through a company that goes by the name of Lightstream. I contacted the company to inform them that it was not me. As well i reported to the incident to the XXXX  and XXXX department but nothing was taken care of and it still shows on my report.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Experian Details of the Dispute : XXXX. Incorrect Name : XXXX XXXX XXXX My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as [ Incorrect Name on my credit XXXX XXXX XXXX report ]. I request that my name be updated to reflect the correct information. 
XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, while my credit report shows an outdated address of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. I request that my current address be updated accordingly. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number. 
Request for Confirmation : I request that EXPERIAN investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
XXXX XXXX : or by email at XXXX Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Tried disputing with equifax etc about charges on my credit that isnt mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: MO

Complaint narrative:
Roughly {$2900.00} was taken out of XXXX  payments. One month they left me coins, another month left - {$4.00}. Even with ALL submitted documents I sent, I got the same answer written or verbally : findings were authorized to use. I did not authorize anyone to steal almost {$3000.00} out of this poor little old ladies XXXX. As soon as I reported the on going fraud the card should been canceled and closed. I received 1 or 3 different cards and they would take out prior amounts they denied. I couldn't buy groceries, pay rent, clothing etc. I had nothing and they did NOT care or believe ONE verified summited TRUTH. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Response to " What happened? '' for CFPB Complaint Against Zelle On XX/XX/year>, my client attempted to send a legitimate Zelle payment of {$1000.00} to my personal account at XXXX XXXX XXXX XXXX ( NFCU ) as payment for professional services. However, XXXX XXXX rejected and returned the transaction without explanation. 

Since Zelle is not available for business accounts with XXXX XXXX, my client had no choice but to send the payment to my personal account. When the payment was rejected, the client used an alternative merchant payment service to send the funds to my business account instead. 

On XX/XX/year>, XXXX XXXX suddenly restricted and permanently closed my personal accounts, citing " suspicious Zelle transactions. '' When I contacted XXXX XXXX, they informed me that my client needed to justify the transaction with Zelle. 

Attempts to Resolve the Issue My client contacted their bank ( XXXX XXXX ) and Zelleboth confirmed that the transaction was never flagged as fraud by XXXX XXXX. 
On XX/XX/year>, I called Zelle at XXXX and spoke with a supervisor named XXXX ( ID : XXXX ). He confirmed that : The restriction was placed by XXXX XXXX, not Zelle. 
Zelle did not report the transaction as fraud. 
The client could not " justify '' the transaction because only the recipient ( me ) could resolve the issue. 
XXXX XXXX, however, continued to insist that Zelle was responsible for the fraud flag. 
Zelle failed to provide a clear explanation of what triggered the restriction or how I could appeal their decision. 
Impact of Zelles Actions My accounts were wrongfully shut down due to a legitimate transaction. 
I suffered financial losses and business disruptions because payments were rejected. 
I was given contradictory information between Zelle and XXXX XXXX, preventing a proper resolution. 
Request for XXXX I am requesting : A full explanation from Zelle on why this transaction was flagged as fraudulent, leading to my accounts being closed. 
Clarification on whether Zelle notified XXXX XXXX about any suspicious activity or if XXXX XXXX made the decision independently. 
A process to appeal the decision and prevent similar incidents from happening in the future. 
Compensation for financial damages caused by the wrongful restriction on my account. 
I have attached supporting documentation, including a letter from my client confirming the legitimacy of the payment and evidence of my communications with both Zelle and XXXX XXXX. 

Thank you for reviewing this complaint. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed had fraudulent accounts on my report, I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain 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 explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have some unauthorized charges from XXXX, XXXX XXXX, or XXXX XXXX  XXXX  XXXX  from my chime checking account and theyre refusing to give me provisional credit until the investigation over

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CL Holdings LLC
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at, account opened at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX under the account XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. As they are paid off

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 2025-03-16 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: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant Information : Name : XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Security Number : XXXX Subject : Request to Block Fraudulent Information Due to Identity Theft and Failure to Protect Personal Information Details of the Complaint : I am submitting this complaint against the credit reporting agencies and data furnishers due to their failure to properly address identity theft-related fraudulent accounts on my credit report. Despite multiple requests to update my personal information, block fraudulent accounts, and provide verification of disputed information, the credit bureaus have failed to comply with federal laws. 

Violations of Consumer Rights : Failure to Provide Method of Verification - The credit reporting agencies have refused to provide the method of verification used to validate disputed accounts, violating 15 U.S.C. 1681i ( a ) ( 6 ).

Failure to Block Fraudulent Information Upon Request - Despite providing proper documentation, fraudulent accounts were reinserted into my credit report without notice, violating 15 U.S.C. 1681c-2.

Failure to Properly Safeguard Personal Data - My personal information was compromised in multiple data breaches, including XXXX XXXX XXXX, Equifax ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). The credit bureaus failed to take appropriate steps to protect my data, violating 15 U.S.C. 1681b ( g ).

Failure to Ensure Accuracy in Reporting - The data furnishers have continued reporting inaccurate and fraudulent information, violating 15 U.S.C. 1681s-2.

Disputed Accounts & Violations : XXXX XXXX - Removed due to identity theft but later reinserted without notice. 

XXXX - Removed due to identity theft but later reinserted without notice.Both accounts were removed on XX/XX/XXXX but reappeared on my credit report as of XX/XX/XXXX, violating the reinsertion notice requirement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ) XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute inaccurate information being reported on my credit file in relation to my account with Capital One. This information does not accurately reflect my credit history or the status of my account, and I request that you investigate and correct the discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 et seq. 
The inaccurate information on my credit report is as follows : Creditor Name : XXXX XXXX Account Number ( ending in ) : # XXXX Description of the Inaccuracy : Differing payment date information, account balances, and account closing date information being reported across all 3 credit bureaus ( XXXX, XXXX, XXXX ) Under the 15 U.S.C. 1681i, I am entitled to have any inaccurate, incomplete, or unverifiable information on my credit report corrected or removed within a reasonable time frame, typically 30 days. I kindly request that you investigate this matter and either verify the accuracy of the reported information or remove it from my credit report if it is found to be incorrect.

Please also provide me with a copy of the results of your investigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ), and let me know if any further documentation is needed from me to assist in your investigation.

I trust that you will act promptly to resolve this matter and update my credit report accordingly. Please confirm the receipt of this dispute and provide me with a written response at your earliest convenience.

Thank you for your attention to this important matter. 
Sincerely, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Student loans were placed in credit report as delinquent Nelnet did not notify me my loans were in deferment now they accelerated interest I am unable to even get on a repayment plan and it dropped my credit XXXX points overnight

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: MO

Complaint narrative:
I filed a dispute with Transuion on XX/XX/year> regarding an account they are reporting with XXXX XXXX. In the dispute I explained that this account had been paid in full, per the own statements, XXXX XXXX agrees to delete this account from my credit report. I sent Trans union proof that the account has been in paid in full along with a copy of the letter regarding the removal. They responded by changing the account status to closed with a {$0.00} balance.

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 2025-03-16 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear CFPB, I am filing a formal complaint against JPMCB AUTO ( JP Morgan Chase Bank Auto ) for violations of federal consumer protection laws, including the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ). My auto loan account ( # XXXX ), opened on XX/XX/year>, has been inaccurately and inconsistently reported across the three major credit bureaus ( XXXX XXXX XXXX XXXX and XXXX XXXX. For example, XXXX and XXXX report the account as " Derogatory '' with a charge-off, while XXXX reports it as " Paid '' but still lists it as a charge-off. These inconsistencies violate the FCRA, which requires creditors to report accurate and complete information to credit bureaus. 

Additionally, I believe JPMCB AUTO violated the Truth in Lending Act ( TILA ) by failing to provide clear and accurate disclosures regarding the terms of my loan. Under TILA, I was entitled to proper disclosures, including the right to rescind the transaction. The creditors failure to comply with TILA renders the transaction void and entitles me to rescission and the return of any property or money.

I have attempted to resolve this issue directly with JPMCB AUTO and the credit bureaus.

Company response to consumer: Closed with explanation