vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
I am writing to formally document and bring to your attention the issues I have encountered regarding unresolved disputes with the major credit reporting agencies. Despite my repeated efforts to correct inaccuracies on my credit report, the bureaus have failed to properly investigate and delete the erroneous information as required by law. 

Over the past several months, I have sent multiple dispute letters via regular mail to Equifax, Experian, TransUnion. In each letter, I clearly identified the specific accounts and inquiries that I disputed, provided detailed explanations, and included supporting documentation to substantiate my claims.

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 2025-04-29 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: CA

Complaint narrative:
I am writing to formally document and bring to your attention the issues I have encountered regarding unresolved disputes with the major credit reporting agencies. Despite my repeated efforts to correct inaccuracies on my credit report, the bureaus have failed to properly investigate and delete the erroneous information as required by law. 

Over the past several months, I have sent multiple dispute letters via regular mail to Equifax, Experian, TransUnion. In each letter, I clearly identified the specific accounts and inquiries that I disputed, provided detailed explanations, and included supporting documentation to substantiate my claims.

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 2025-04-29 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: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.

If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-04-29 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: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-29 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:
Subject : Second Urgent Request for Immediate Deletion of Unauthorized Account - XXXX XXXXXXXX XXXX - Failure to Comply with Previous Dispute

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 2025-04-29 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: IL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-04-29 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: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made 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 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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello, I am a paying member of the Experian plan that includes access to all three credit bureau scores ( Experian, XXXXXXXX XXXX XXXX XXXX. Despite this, only my Experian score is updating. XXXX XXXX XXXX XXXX scores remain outdated and have not refreshed, even after several attempts and waiting for the usual update period. 

I have followed all troubleshooting steps including logging out and back in, checking for a refresh option, and contacting support by phone and chatwithout resolution. 

Im requesting immediate assistance to either : 1. Force an update to my XXXX XXXX XXXX scores, or 2. Provide a refund or partial credit, as I am not receiving the full service I paid for.

Please resolve this promptly.

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 2025-04-29 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
We have a conventional mortgage with Truist ( formerly Suntrust ) that we have had set up on autopay since XX/XX/XXXX. 

We received a call from Truist the first week of XX/XX/XXXX stating that our mortgage payment was not received for XX/XX/XXXX. My wife and I had been on vacation the second half of XXXX, returning home the first week of XXXX. Once we confirmed that the payment had not been drafted from our account, we immediately paid by phone and then began the process of trying to find out what happened with our auto draft and have the late payment now reporting on our credit removed. 

We have been trying to resolve this situation for more than three months, and we do not believe that Truist is working in good faith. We have received conflicting information, and Truist is refusing to correct the situation and remove the late payment. My wife and I both have perfect payment histories, we value our credit rating. We have all of our monthly bills on autopay specifically to avoid any situation like this. 

When we contacted the credit department at Truist, they initially told us that we set up our autopay with an end date of XX/XX/XXXX. This made no sense to us considering this is a 30-year mortgage. We have attached the autopay set-up confirmation dated XX/XX/XXXX, nowhere on this form is there an end date indicated. 

We received a dispute response from XXXX XXXX, XXXX correspondent lending stating that the account was set up XX/XX/XXXX with an end date of XX/XX/XXXX ( attached ). This made no sense, we asked for documentation of the end date that we supposedly requested. Truist was unable to provide, but we were then sent a copy of a letter dated XX/XX/XXXX, stating that we deleted our Recurring payment arrangement. We made no such deletion, and this completely contradicts us setting up the account with a XX/XX/XXXX end date. 

Prior to this incident, the only online activity that we had with this account was when we had to make a {$9000.00} payment for an escrow shortage. We received a letter dated XX/XX/XXXX that stated they received our request to add or change our automatic payment drafting information. 

While researching our account, we found two transactions listed for XX/XX/XXXX, one is our mortgage payment, and one is for {$4200.00}, which is an erroneous number and was not drafted from our account, nor does it belong to us. A screenshot of this is attached. 

This has been an incredibly frustrating situation. We work very hard to maintain good credit, and we do not believe that we should be penalized for the errors made by Truist.

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 2025-04-29 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:
" 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 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
On Saturday, XX/XX/XXXX I walked into a Navy Federal Credit Union bank, where I am an active member for 2 years at minimum. I have always been to this branch location to cash money and deposit money into my account. At the counter on this particular day, a teller by the name of XXXX was in duty to help me. I walked to the counter asked her how her day was going had a nice greeting. I then tell her I want to cash a check from my law firm in Arkansas. XXXX then stated that she couldn't cash the check because it did not say or come from XXXX XXXX. I then tell her I want the check deposited into my account. XXXX, with any hesitation because she already had my account pulled up, replied " if I cash this check, the negative balance is going to come out of your old account. '' I proceed to tell her that the account is paid and has never affected me by depositing or cashing checks. I asked her to review my account to see that what I'm saying is true and she still refused to cash my check so I had to leave. When I got home I called the XXXX number for customer service, they in fact confirmed that the account was paid in full and they did not know why the bank teller had refused to cash the check. I reached out to the branch and the manager called me back and just kept repeating she don't know what was said so she cant say what happened besides a misunderstanding. the manager also confirmed that the account was in fact paid in full and also don't know why I was refused. she offered training to her employee but her actions goes against policy, it goes against my rights as a member of that union. I asked the manager to review and listen to the cameras and she just said she don't have access. I also asked for someone to speak with higher like owner or corporate and again was refused.There was not any misunderstanding, I am very clear and precise when I speak if I wasn't she wouldn't have answered accordingly. I'm still waiting on a valid reason as to why XXXX decided to go against XXXX XXXX policy and nothing be done about it. I deserve and legit reason and justice!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Experian refuses to delete account. They always say they ratified but do not send me no information or requested debt validation, meaning original contract with original signature all they say like always they verified and that's it. No original send via mail. They can't say its verified when they have no way to verify this and send me docs requested. all they do is say updated and verified. Tried to dispute with them already they refuse to delete this. They do not delete this off my account with them, they do not verify anything sent to them. 

XXXXXXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/year> Status Collection account. {$2.00}, XXXX past due as of XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: UT

Complaint narrative:
First submission of request for XXXX treatment deferment on XX/XX/XXXXXXXX, was denied due to how form was filled out. I fixed the form and resubmitted XXXX, was rejected same day. I called to ask why, they said there was confusion but it looked like it was approved and that I should just not worry about it. Charged {$150.00} XX/XX/XXXXXXXX. Called again and they said it was a mistake on their end but that it had been fixed and that I should not be charged any more. Received email notice XX/XX/XXXX/XXXX that deferment was approved. Notified by email XX/XX/XXXXXXXX that deferment had ended and that auto pay would resume XX/XX/XXXXXXXX I called, they said it was a mistake and that I would not be charged. I was charged {$150.00} XX/XX/XXXXXXXX. I called, they said it was a mistake, that it should be in deferment, and that they would refund. Received monthly statement XX/XX/XXXX saying I have payment due ( changed bank info so they couldnt continue charging me ). I called again to find out what was going on and to ask about refund, said the request to refund was denied. They said deferment ended XX/XX/XXXX. I asked why, they told me it was because of how I had filled out the forms and that I would need to resubmit. I have terminal XXXX. I dont have that money. I need that money back, and I need to not continue to spend hours each month on their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently pulled my consumer credit report and found some items that i don't recognize nor did i authorize that are the result of identity theft and fraud. These items are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Said items have resulted in hard inquires and collections being filed to my consumers report and Under the ECRA 605b 15 u.s code ( 4681c-2 ) law I demand that you block any information being filed and or reported on my consumers report and to remove said items within 4 business days of receiving this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NY

Complaint narrative:
I have a fraudulent account in my credit report, which I reported to XXXX XXXX XXXX XXXX XXXX is not removing this fraudulent account. XXXXXXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft, and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXXXXXX XXXX has refused to do this. The following is the fraudulent account : XXXX XXXX XXXX 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 2025-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: CA

Complaint narrative:
The interest rate is 490 % which is higher than allowed for a {$900.00} loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
While I was on vacation out of the country I was contacted by a person identified as from Bank of America XXXX Department to verify a money transfer of XXXX plus fees. I told them That I made no such transfer and that is was definitely a fraud. They told me that they would send me a text to verify that they were indeed talking to XXXX XXXX. They sent the text and I gave them the code. I was told that the issue was resolved and no other action was required. When they called me the phone # came up as from Bank of America so I had no reason to suspect that it was a fraudulent call. The first time I called about the fraud they backed the charge off to investigate the issue. Later I received an email claiming the case was concluded. When I called they told me that they had denied the claim. They agreed to review the claim again and they would get back to me, which they did not. When I received my statement i saw all of the charges were applied again. And that the funds went to a XXXX  XXXX direct deposit account. I don't have or ever had a XXXX XXXX account so I have no idea who this account belongs to. I received a letter stating that they confirmed the charges were made using one of my verified devices like a cell phone or tablet which is totally false. 
I did give them the code to the person that I thought was from B of A, but apparantly that was a fraud call that has ghosted a phone number. The paperwork said that the transfer was made through XXXX. I do not have nor ever had a XXXX account. I am a XXXX XXXX XXXX senior citizen that has clearly been defrauded.

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