vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: VA

Complaint narrative:
Equifax has failed to fulfil its legal obligation under the Fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to adequately notify consumers of disputing outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's in action violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The late payment in question is reported by [ experian ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To support my dispute, I have enclosed copies of relevant documentation, including [ list any supporting documents, such as payment receipts, account statements, etc. ]. 
I respectfully request that you investigate this matter and remove the inaccurate late payment from my credit report. Please confirm in writing that the correction has been made.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX acct # XXXX This account was reported as a collection charge-off.and is affecting my score negatively.The reporting of this account is incorrect as I still see a balance as it was charged-off.I urge your agency to reinvestigate and provide all the missing info.Also please explain why theres past due balance reporting while the report shows as a charge off? Im pretty sure you know that is a violation.I demand immediate deletion of this account to ensure to ensure that your agency is reporting full and only complete information.According to 15. U.S.C.1692 C. You have violated my rights in lawful communications please move this collection off my credit report.Also 12CFR1006.34C has been violated. I dispute the XXXX of my profile and Method of payment. Thanks.

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 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I originally submitted a dispute for transaction on XX/XX/XXXX for the amount of {$2900.00}. It was not uploaded into system until the XX/XX/XXXX. I contacted the Customer Support ( CS ) regarding the mislabeling of the submission date being the policy states that they have 10 days initial to investigate, then they will post a temporary credit. Then a full investigation could take up to 90 days. It was communicated to me by CS the reasoning behind the date difference for multiple different reasons that didnt seem logical. So after waiting the 10 days by both dates, I asked if I could file a formal complaint regarding the handling of the dispute. The CS stated that she was submitted my complaint and I was contacted by XXXX with Member Advocacy which only sent out an email stating she tried to contact me and was unable. I attempted to reach her 3 times and no response back. However, the same day in my bank documents I received letter stating that I requested to withdraw the disputed transaction which I did not. Therefore, I had to resubmit the disputed transaction for which I had submitted all my documents for transaction to support my claim. Within a hour of the new dispute, my account was locked and closed. I have banked with USAA for over 11 years now and never seen anything like this because of a complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
The dates that are showing late is one payment the first month of XX/XX/XXXX when the payment was made by your phone on XX/XX/XXXX I contacted them on XX/XX/XXXX to see why they hadnt gotten payment and advised them that my accounts have been breached and they should be paid. They were paid, but they have failed to provide me with the information that indeed I made a telephone payment on XX/XX/XXXX Ive requested this information three times. Ive also advised them that I am a consumer that I have rights that currently my XXXX XXXX XXXX XXXXXXXX. I did it in front of my father prior to his XXXX and they just have an advocate person. Call me and tell me what theyre not gon na do, but they are not proactive. They are reactive and Im repeating myself over and over again for them to produce evidence that I did not make a phone payment because how did they get payment? I also indicated to them that they have gone back-and-forth and putting bad remarks on my credit report ever since SunTrust bank and Truist merged XXXX In addition they put a late payment in XXXX and I have never been late on this mortgage in 17 years nor have I refinance or had any problems since they had emerge so I have reoccurring information appearing as well as a late payment that is erroneous and bogus due to fraudulent activity that their consumer department does not do the research and refuses to provide me with information on how they got the payment. It needs to be removed immediately because it is affecting 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 2025-02-26 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally file a complaint against Zelle, a money transfer service, in regard to a recent issue I encountered where I was unable to access my funds and was not properly notified about Zelles policies regarding refunds for incorrect transfers. 

On XX/XX/2024, I attempted to send money through Zelle, but due to an error, the funds were sent to the wrong recipient. Upon realizing the mistake, I contacted Zelle immediately in hopes of retrieving my funds. However, I was informed that Zelle could not assist in reversing the transaction, as it had been sent to an unintended recipient. 

What concerns me the most is that I was not adequately informed about this limitation prior to using the service. Zelle did not notify me that they do not provide a method to recover money sent to the wrong recipient, even though this is a scenario that should be expected with any money transfer system. I was also not provided with any information about how to properly prevent such situations or what steps I should take if such an error occurs. 

As a customer, I believe I should have been informed upfront about these risks and limitations, particularly when using a widely promoted service like Zelle. I did not receive sufficient communication regarding the lack of support for recovering funds or the risk of sending money to the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I recieved a bitcoin deposit on XX/XX/year>. The deposit was cleared and confimred on XXXX  and has been pending in my coinbase account since then. I have contacted the company over 10 times and no solutions or updates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-26 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-02-26 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: FL

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 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 2025-02-26 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: TX

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: NJ

Complaint narrative:
I recently reviewed my credit report and found these fraudulent inquiry on my credit report. Please remove the fraudulent inquiries for my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Deposited a check to my XXXX  account that was sent to me by XXXX XXXX  for an account they just closed as well that I had to wait 30 days for once deposited to my citi account the check was accepted next day I cant use my accounts 2 days later I see an email saying my accounts are closed calling customer service from phone number I have on file since account creation and they say they need my account number I cant login to see it I had paperless statements and cant access anything

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was exposed in a data breach.

Under Section 605 A 15 U.S. Code 1618 C-1, Section 604 15 U.S. Code 1618 b, and Section 605 B 15 U.S. Code 1618 C-2, all fraudulent information needs be removed within 4 days.

Please remove the following accounts : 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 Unauthorized Hard Inquiries : XXXX XXXX # ( Finance ) XXXX XXXX ( Auto ) XXXX ( bank ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX  ( Finance ) XXXX  ( Finance ) XXXX XXXX  ( Finance ) XXXX XXXXXXXX ( Bank ) XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition all late payments must be removed .

It is illegal to report anything on my credit report without my permission. Please remove these negative items. Thank you.

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 2025-02-26 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: TX

Complaint narrative:
My information was exposed in a data breach.

Under Section 605 A 15 U.S. Code 1618 C-1, Section 604 15 U.S. Code 1618 b, and Section 605 B 15 U.S. Code 1618 C-2, all fraudulent information needs be removed within 4 days.

Please remove the following accounts : 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 Unauthorized Hard Inquiries : XXXX XXXX # ( Finance ) XXXX XXXX ( Auto ) XXXX ( bank ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX  ( Finance ) XXXX  ( Finance ) XXXX XXXX  ( Finance ) XXXX XXXXXXXX ( Bank ) XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition all late payments must be removed .

It is illegal to report anything on my credit report without my permission. Please remove these negative items. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
MIDLAND CREDIT MANAG Last reported XX/XX/XXXX {$820.00} Open balance MIDLAND CREDIT MANAG Original creditor XXXX  Opened Account status Type Responsibility XX/XX/XXXX ( XXXX mos ) Open - Remarks Original creditor name Individual Consumer disputes this account information Collection account MIDLAND CREDIT MANAG

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: NJ

Complaint narrative:
On XX/XX/XXXX I filed a complaint against XXXX, due to reporting my account XXXX days late. The company stated my due date was XX/XX/XXXX but I received a text and email stating final payment was due XX/XX/XXXX, which the payment was made XX/XX/XXXX. The company agreed that caused confusion, therefore, they decided to remove the negative reporting completely from my credit report. A few weeks ago it was removed but was added back on XX/XX/XXXX to my credit reports. I hope this matter can be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: NJ

Complaint narrative:
On XX/XX/XXXX I filed a complaint against XXXX, due to reporting my account XXXX days late. The company stated my due date was XX/XX/XXXX but I received a text and email stating final payment was due XX/XX/XXXX, which the payment was made XX/XX/XXXX. The company agreed that caused confusion, therefore, they decided to remove the negative reporting completely from my credit report. A few weeks ago it was removed but was added back on XX/XX/XXXX to my credit reports. I hope this matter can be resolved.

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 2025-02-26 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: CA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

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 2025-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from 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