vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
Ive seen sent off letters in XXXX to XXXX XXXX, XXXX and XXXX. Ive also sent letters in the month of XXXX and XXXX to these same bureaus, and they all have been reporting improperly and inaccurately. Claiming that the counts verified even after seeing the proof that tho account was paid off. 

I have attached my closing documents that shows I have paid TRUIST BANK D/B/A LIGHTSTREAM They are currently suing me for a account that I have already closed.

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 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-03-04 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 have noticed several accounts on my credit report that do not belong to me, and I have no knowledge or affiliation with them. This is not only unjust but also deeply troubling. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to a credit report that is accurate and free from any erroneous information. These inaccuracies are having a negative impact on my financial standing, and I demand that they be rectified immediately. I expect a thorough investigation and correction of these errors. If this issue is not resolved promptly, I will pursue legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: IL

Complaint narrative:
Company provided information to me that was incorrect, and information that should not be on their, account were paid off, they are reappearing on my credit, Their inquiry from past companies that should have been remove years ago, that have my name missed spell, my name XXXX XXXX XXXX, and their attaching account for company I have never had. Please have them correct this, its hurting my credit score and unable me to provide for my family,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
ON XX/XX/2024 I MADE A PURCHASE FROM A TICKET WEBSITE CALLED XXXX THEY COMPANY WHO OWNS THE WEBSITE ITS XXXX XXXX XXXX XXXX AND IS LOACTED I. XXXX. THE TICKET WAS FOR A SOCCER FINAL BETWEEN XXXX XXXX AND XXXX XXXX IN XXXX XXXX XX/XX/2024 AND THE PRICE OF THE TICKET COST ME XXXX XXXX ONE DAY BEFORE THE GAME I TRY MULTIPLE TIMES TO REACH THE COMPANY BUT IT WAS SUCCESSFUL AFTER COUPLE FINALLY THE CALLED ME BACK, I TOLD THEM THE REASON I CALLED WAS TO SEE IF EVERYTHING IS OKAY FOR THE FINAL TOMMORROW AND THEY SAID THAT IM GOING TO GET THE TICKET FEW HOURS BEFORE THE FINAL.THE DAY OF THE GAME I STARTED CALLING THEM AT XXXX  TIME AND ONE MORE TIME NO ANSWER I CALLED I EMAILED NO ANSWER I STARTED GETTING STRESSED FINALLY THEY CALLEM BACK AND THEY ASKED IF I RECEIVED MY TICKET AND I EXPLAINED THAT NO, I ASKED THEM IF THE EMAIL IS CORRECT THEY SAID YES, THEY TOLD ME THAT THEY GOING TO CALL ME BACK SOMETHING THAT NEVER HAPPENED, SO LIKE YOU UNDERSTAND I MISSED THE FINAL I SPENT SO MUCH MONEY FOR FLIGHT TICKET STAY FOOD AND THE GAME TICKET. I CONTACT CHASE I EXPLAINED THEM WHAT HAPPENED AND THEY DIDN'T REALLY RESOLVE THE ISSUE TELLING ME THAT THE COMPANY SENT ME THE TICKET.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-04 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: DE

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 


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.

EQUIFAX EXPERIAN TRANSUNION 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!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

Details of the Account in Dispute : Account Number : XXXX, XXXX Creditor Name : XXXX XXXX, XXXX XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-03-04 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: MOHELA
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against MOHELA due to their failure to notify me of a failed automatic payment, which resulted in my loan being marked as past due. Despite my years of consistent and on-time payments, I am now being unfairly denied the release of my cosigner, and my account still reflects a past-due status. The payments do not reflect the date they were debited, and my account continues to show a past-due balance, even though payments were made. 
Loan Information : Loan Account Number : XXXX Borrower 's Name : XXXX XXXX Cosigner 's Name : XXXX XXXX Loan Type : Private Student Loan Details of the Complaint : 1. Failure to Notify of Failed Auto Payment : I have set up automatic payments for my loan and have been making diligent payments for years. However, I was not notified that my XXXX auto payment failed until XX/XX/XXXX, when MOHELA called me to inform me that the payment had not been successful. This is over a month after the payment was missed, and during that time, my account was marked as past due for 30 days without any prior notification from MOHELA. I was never informed of the missed payment until the phone call, leaving me with no opportunity to resolve the issue before it negatively impacted my account. 
2. Account Marked as Past Due : My loan account still shows as past due, even though payments have been debited from my bank account. The delay in notification means I had no chance to rectify the situation and prevent the loan from becoming past due. This discrepancy between the actual payment and the account status has caused unnecessary confusion and stress, as well as a negative impact on my credit. 
3. Denial of Cosigner Release : Because of the past-due status resulting from this issue, MOHELA has denied my request to release my cosigner, even though I have met all other requirements for cosigner release. I feel that this denial is unfair, particularly given that the missed payment was due to MOHELAs failure to notify me of the issue in a timely manner. I have been making on-time payments for years, and it feels unjust that I am being penalized for something that was outside of my control. 
4. Ongoing Financial Impact : As a single mother, I have worked diligently to stay on top of my financial obligations. The situation feels like a scam, as I have been paying responsibly and on time, yet I am now being unfairly impacted by MOHELAs failure to communicate the issue to me in a timely manner. This situation is causing unnecessary stress and hindering my ability to have the cosigner removed from the loan, despite my adherence to the payment schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-03-04 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX 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 explanation
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

" " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WA

Complaint narrative:
On Monday XX/XX/2025 I ignorantly purchased a vehicle from XXXX XXXX XXXX XXXX in XXXXXXXX XXXX. The vehicle broke down and stopped starting 24 hours later. I immediately requested a refund and disputed the {$1000.00} transaction which was a down payment. The dealership told me it would be 2 days to receive my money back so I called the bank and they said it doesnt take 2 days it takes 5 days. So here I am 8 days after the transaction date and after the dealership has been nasty with me and the bank doesnt seem to care saying give them 3 months to even consider if my dispute will be approved even after providing the settlement/ refund receipt and proof of purchase to the bank. This situation has caused me to sleep outside for 3 nights in the cold as shelter are full. I feel so exploited and taken advantage of and dont know who to trust that will follow the law in this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On Saturday, I requested a transfer of funds from my savings to my checking account using the Bank of America XXXX app. I only have these XXXX active accounts with BOA, and the app did not offer any other options. Typically, these transfers process immediately, but when I checked the next day, the funds had not been transferred. 

On Monday morning, with rent due that day, I called BOA immediately. I was told that everything was fine and no mention was made of any credit card involvement. Then, on Tuesday, I received a call from my management company stating that my rent payment hadnt processed and that I would be charged a fee of {$270.00}. 

I promptly called BOA again and spent several XXXX speaking with multiple supervisors. They informed me that the money had been transferred to a credit card by mistake and that it would take at least XXXX business days to reverse the transaction. I filed a formal complaint ( XXXX XXXX ) and repeatedly explained that this delay would cause me significant financial damage and further issues with my management company. Despite my insistence that this error is unacceptable and my demand for an immediate resolution, BOA representatives maintained that they could do nothing except require me to wait and offered no compensation. 

I am seeking immediate reversal of the transaction and full reimbursement of my funds, as well as compensation for the fees and damages incurred due to this error.

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 2025-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: SD

Complaint narrative:
I tried to access my account through both mobile and online. The account does not show up, as if it doesn't exist. When I contacted AMEX I was told they are conducting maintenance but I have little confidence in this as the rep advised they can not see the account either. So basically if you have an account with them it is lost in the maintenance. I understand that maintenance is necessary, but there is no message online or in the app the account just isn't there. Also the fact that I was told they can not access doesn't give you a great deal of confidence in their product. For a company with their longevity and reputation I would expect much better. Also the rep and supervisor I spoke to were just nonchalant and like it will be back sometime, and this is happening to everyone with an account like it was no big deal.

Company response to consumer: Closed with explanation