vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My monthly car note is {$560.00} and is due on the XXXX of each month. I split XXXX payment in half. I scheduled a payment on XX/XX/year> using the Truist Auto Loan app in the amount of {$280.00} to be paid on XX/XX/year>. On XX/XX/year>, I scheduled the second half ( {$280.00} ) to be paid on XX/XX/year>. On XX/XX/year>, I logged into my Truist Checking Account to see if the payment was pending and saw that the auto loan drafted {$840.00} instead of the {$280.00} that I authorized. I contacted the auto loan customer service department at XXXX on XX/XX/year> and spoke to XXXX who told me that it looks like I authorized the payment on the app and I have to wait for the payment to post but I kept telling her I only authorized {$280.00}. After arguing with her for about 30 minutes, she put me on hold for 20 minutes so I hung up. Before she put me on hold, she told me to call back " tomorrow '' after the payment posts. I called back at XXXX on XX/XX/year> and spoke to XXXX who apologized for the confusion and told me that I would have to call back after the payment posts on Tuesday to get the refund of {$560.00}, the difference between the incorrect payment of {$840.00} and the correct {$280.00}. On XX/XX/year> at XXXX, I called the customer service department again and spoke to XXXX who told me that they could not refund me for {$560.00} because that would put my car note behind and I told her that my car note is current through XX/XX/year> with the additional payment they drafted without my authorization. She put me on hold several times and finally told me that she made a mistake in telling me that I would be behind and that I now have to wait several more days for the payment to fully post before I can request a refund. They have been giving me the run around and now my checking account is overdrawn due to their mistake!

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have 2 items on my credit report and they are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Both of these loans have been paid in full and accounts have been closed. I have disputed this multiple times with XXXX and they refuse to remove it from my report. Its not fair to me and nothing old should be on my credit if the account is paid in full and closer as it is negatively affecting 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 non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have 2 items on my credit report and they are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Both of these loans have been paid in full and accounts have been closed. I have disputed this multiple times with XXXX and they refuse to remove it from my report. Its not fair to me and nothing old should be on my credit if the account is paid in full and closer as it is negatively affecting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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 unauthorized inquiries 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
Consumer complaint received 2025-01-28 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$570000.00} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$570000.00} Late/Open Inquiry in Dispute : XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$570000.00} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$570000.00} Late/Open Inquiry in Dispute : XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: IN

Complaint narrative:
Subject : Complaint Against TransUnion for Improper Reinvestigation and Continued Reporting of Inaccurate Information Complaint Summary : I am submitting this complaint against TransUnion for their failure to conduct a proper reinvestigation of an account that has been previously dismissed by the courts. Despite my disputes, TransUnion continues to verify and report inaccurate information on my credit file without providing any proof of their verification methods. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Dispute : The disputed account is [ XXXX XXXX XXXX XXXX # XXXX TransUnion has continuously reported this account inaccurately, listing it as a charged-off account despite prior legal dismissal. 
I have previously disputed this account, yet TransUnion claims to have verified it without providing any evidence of their verification process. 
FCRA Violations : Under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), TransUnion is required to provide me with a description of the procedure they used to determine the accuracy of the disputed information. They have failed to do so. 

Additionally, per 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of consumer information. By continuing to report this account inaccurately, they are in violation of this requirement. 

Relief Requested : I demand that TransUnion provide a detailed explanation of how they verified this account, including documentation supporting their findings. 
If they are unable to prove the accuracy of their reporting, I demand the immediate deletion of this account from my credit file. 
If TransUnion does not comply, I will explore all available legal options, including filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n. 
Please investigate this matter and ensure that TransUnion is held accountable for their failure to properly reinvestigate and correct inaccurate reporting. 

Thank you for your time and 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 non-monetary relief
Consumer complaint received 2025-01-28 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:
I have contacted Equifax multiple times starting on XX/XX/year> about hard inquiries that were placed on my report that I did not have knowledge of. Equifax requested that I file a report with the FTC about the unauthorized inquiries.I filed that report and sent it to overnight to Equifax on XXXX XXXX The first report that I sent overnight to Equifax did not qualify because they said my address was missing and that was the only issue. The supervisor I spoke to said all other information was correct and I would only need to add my address and after that, it would take 4 days after receiving the updated report to remove the inquiries. I again sent the information overnight with my address added on XX/XX/year> with my address added. I contacted Equifax multiple times during the week of XX/XX/year> to make sure that the information was received and each time I spoke to someone, I was told after the updated information was received the hard inquiries would be removed within 4 days. I contacted Equifax on XX/XX/year> and again spoke with a supervisor. I was told that my information had been received and that my ID was not clear and that the date of the inquiries needed to be added to the report. My ID is on file with Equifax and was never told that it was not clear. I sent the report again with the dates of the hard inquires on XX/XX/year> by online and not by mail because I was told be a supervisor on XX/XX/year> I would not have to send it by mail again. Again I was told that it would take only 4 days to remove the hard inquires. This morning, XX/XX/year>, I received an email that my dispute was finished. The entire communication with Equifax, I have been told that this would not be a dispute but handled as identity theft and that all I need to provide was the report from FTC. The inquiries have not been removed and Equifax has not done what they told me they would do multiple times. I have included all of the reports that I provided Equifax and the report from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: VA

Complaint narrative:
These inquiries was not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-01-28 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-01-28 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:
I discovered errors on my credit report involving accounts that do not belong to me and for which I have no knowledge, relationship, or prior authorization. The accounts in question are reported by XXXX XXXX XXXX ( Account Number : XXXX ) andXX/XX/XXXXXXXX XXXX ( Account Number : XXXX ). 

These accounts appear to have been placed on my credit report without my explicit written consent, which violates the permissible purpose requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. I have never engaged in any transaction or relationship with either XXXX XXXX XXXX or XXXX XXXX XXXX that would justify these accounts being reported. 

In addition, I have never provided written authorization for these entities to access or report information on my credit report. I believe this is a clear violation of my rights under the FCRA. I have attempted to address these inaccuracies by disputing them with the credit reporting agencies, but the accounts remain on my credit report despite their lack of verification or validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-28 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:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
During covid my wife and I caught XXXX and I got injured on the job and I received a lost on income and because of these occuraces I was unable to make payments and felt that i was unfarely treated and to a modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NC

Complaint narrative:
Experian XXXX andXX/XX/XXXX. Did not perform thorough investigations on my disputes. I would like to dispute the XXXX of my profile and have unverified information removed. This dispute is submitted under FCRA 15 USC 1681i which requires credit reporting agencies to conduct a reasonable investigation of disputed items

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 2025-01-28 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: FL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly 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