vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
There are 3 accounts on my credit report that arent mine .. Ive reported them several times nothing is being done. Ive been a victim of identy theft!! I reported it to better business bureau as well and contacted a lawyer. This is effecting my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
MY NAME IS XXXX XXXX, I AM SUBMITTING THIS COMPLAINT ON THE BEHALF OF MYSELF. THERE IS NO OTHER COMPANY DISPUTING ON MY BEHALF. PLEASE DO NOT SEND ME AN AUTOMATED RESPONSE! ALL DOCUMENTS WILL BE INCLUDED. 
I do not give expressed written consent t or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : TD BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX PLEASE PROMPLTY REMOVE THIS DATA WITHIN 4 BUSINESS DAYS PURSUANT TO 15 USC 1681-C-2 TO AVIOD ANY FURTHER LEGAL PROCEEDINGS. THANK YOU FOR YOUR TIMELY COMPLIANCE

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 2025-03-12 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:
To Whom It May Concern, I am writing to formally request validation of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. I recently noticed that XXXX has removed this collection from my credit report, yet you are still attempting to collect the debt. 

Under federal law, I have the right to request detailed validation of the alleged debt before making any payments. Therefore, I am requesting the XXXX. Proof that you have the legal right to collect this debt, including a copy of the original creditors agreement that grants you authority to collect.

2. A detailed account of the debt, including the original amount, any fees or interest added, and a breakdown of how the total balance was calculated.

3. Copies of all documentation proving I owe this debt, including any signed contracts or agreements.

4. Proof that this debt is still legally enforceable, including the date of the last payment and the statute of limitations for collection in my state.

5. Verification that this debt has not been resold or transferred to another entity. 

Until I receive proper validation, I request that you cease all collection efforts, including reporting this debt to any credit bureaus, contacting me via phone or mail, or attempting to collect in any other way. If you are unable to provide sufficient validation, you must stop collection activities per FDCPA regulations. 

Additionally, if you report this debt to any credit bureau without proper validation, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Please respond within 30 days of receiving this letter. If you fail to validate the debt, I expect written confirmation that you will cease all collection efforts and remove any negative credit reporting associated with this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-03-12 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: TX

Complaint narrative:
I am filing a complaint against Experian for failing to address my dispute regarding unauthorized inquiries within the legally mandated timeframe. On XX/XX/XXXX, I sent a detailed and time-stamped dispute letter ( attached ), supported by an FTC Identity Theft Report, requesting the removal of specific unauthorized inquiries from my credit report. Despite providing clear evidence and following proper procedures, Experian has failed to acknowledge or resolve the issue. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate and correct disputed information within 30 days. It has now been over 90 days, and no corrective action has been taken, which constitutes a clear violation of the FCRA. The following inquiries were unauthorized and must be removed from my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/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 2025-03-12 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: TX

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has already documented XXXX repeated failures to properly investigate consumer disputes, leading to legal action for violations of the FCRA. This repeated pattern of noncompliance is unacceptable, and I will not allow my credit profile to be a casualty of XXXX negligence. 

Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a thorough and legitimate reinvestigation of any disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted immediately. I demand immediate corrective action, as these inaccuracies are actively harming my financial standing. Continued noncompliance and any further delay in addressing these issues will not go unnoticed. 

Inaccurate Collection/Charge Off : XXXX XXXX XXXX  XXXX - {$0.00} XXXX - XXXX - {$1400.00} XXXX XXXX XXXX - XXXX - {$11000.00} XXXX XXXX XXXX - XXXX - {$1800.00} XXXX XXXX XXXX - {$1600.00} XXXX XXXX  XXXX - {$950.00} XXXX XXXX XXXXXXXX - {$1000.00} Inaccurate Public Record ( Repossession ) : XXXX  XXXX XXXX - XXXX - {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: LA

Complaint narrative:
Subject : Formal Complaint Against XXXX Dear Sir/Madam, I am writing to file a formal complaint against XXXX, my mortgage servicer. I have encountered issues with their handling of my loan and believe they have violated my rights as a borrower. Below are the details of my complaint : Loan Account Information : Nature of the Complaint : 1. Failure to Communicate : I have made multiple attempts to contact XXXX regarding my foreclosure concerns and sell of my house today. Despite my efforts, I have not received timely responses or adequate assistance. 
2. Improper Handling of Loan Modification : 3. Foreclosure Process Issues : Failure to notify me of Sale. 


Please confirm receipt of this complaint and advise me of any further steps I should take. I would appreciate your prompt attention to this matter and look forward to a resolution. 

Thank you for your assistance.

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 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: U.S. BANCORP
State: HI

Complaint narrative:
US Bank is unlawfully denying me access to my held funds and my ability to make a wire transfer. 

I have been a longtime US Bank customer. My wife and I are purchasing a house, and a part of that required an earnest money payment to be made via wire transfer into an escrow account. 

I attempted to make the wire transfer via US Bank 's online system, correctly submitted all of the information, and got a confirmation that the wire transfer had been sent. Hours later, I got an email from US bank indicating the transfer had not been sent, and when I tried to log in to my account my online log in had been disabled. 

After a long time on the phone, US Bank told me that, while the information had been inputted correctly, their automated system designated the transfer as fraud for reasons they would not disclose to me. They claimed they had tried to call me but they did not and my phone records show no incoming calls. After a long conversation, US Bank indicated that the automated system makes it easier for them to deal with fraudulent transactions, but their convenience prohibited me from accessing my money. 

By the time I spoke with them ( due to their delay in communicating with me ), it was too late to initiate another wire transfer, so the home sale likely will not go through.

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 2025-03-12 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: FL

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



ACCORDING TO 15 USC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT XXXX XXXX PER VIOLATION OR REMOVE ACCOUNT!

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 2025-03-12 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: FL

Complaint narrative:
I had a credit card with XXXX XXXX XXXX in the past that due to unforeseen circumstances went south and became delinquent. Since then I have settled my account balance and both XXXX and XXXX are showing the proper balance of {$0.00}. After many disputes Equifax has not updated my balance owed to {$0.00} it has been over 6 months, I have also reach out to XXXX XXXX XXXX  and they informed me theres nothing else they can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: MI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Regarding complaint XXXX which was submitted on XX/XX/year>, Equifax failed to me it's obligation. 

this complaint serves as formal notice that Equifax Information Services LLC has violated the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I submitted a request for the method of verification regarding a bankruptcy reported on my credit file, and Equifax failed to provide the name and address of the entity that verified this information, as required by law. I specifically asked for the name and the address of the party who verified the Bankruptcy as Equifax claims it has done. 



Under the FCRA, you are legally obligated to disclose the source of verification upon request. Your failure to do so is a direct violation of my rights, and as a result, Equifax is now exposed to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I signed up for a new account with Truist on XX/XX/year> with an promo code XXXX. 
In the terms it does indicate the account can not be below XXXX at the time of review for the XXXX bonus. 

My account did go negative and I was never notified of this. 

I proactively deposited XXXX via XXXX into the account which would have covered the negative balance but it automatically was placed on hold and never credited. 

I tried to log into the website to check the account on XX/XX/year> and was locked out. 
There was no option to log back in and a request to call back the next business day. 

I feel as though Truist intentionally did not notify me of the negative balance which they are required to notify you off. 

They then intentionally held my deposit to prevent the account from being brough back current They intentionally locked me out of my account so that I was unaware of what was happening with my account which would all allow them to find grounds to not pay the bonus that was suppose to be awarded to me. 

These practices seem unfair, unethical and misleading and I am requesting my due XXXX bonus from them

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 2025-03-12 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-03-12 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, I experienced fraudulent charge on my credit card. I immediately filed a police report as I was at work and my card was securely stored at the time of the transaction. Despite writing several letters to Fifth Third Bank explaining the situation, they have deemed me responsible for the {$320.00} charge, citing it as a chip-to-chip transaction. 

I have not received an adequate explanation regarding the discrepancy between the text alert, which indicated a charge from XXXX, and the actual transaction location at XXXX XXXX. This inconsistency further supports my claim of fraudulent activity. 

Fifth Third Bank has transferred the disputed charge to my new, reissued card, which is unacceptable. I am being unfairly penalized for charges I did not make. This situation violates my rights as a credit card holder and could negatively impact my credit score. I demand a thorough investigation and a swift resolution to this matter. I refuse to be held liable for this fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: MS

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-12 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: MS

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-12 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: NY

Complaint narrative:
On XX/XX/year> I sent a letter regarding inaccurate and unknown accounts on my credit 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