vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: GA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
Truist bank offered XXXX dollars online to new accounts if you direct deposit XXXX dollars in direct deposit in 90 days. I filled out the forms online and was told my identity could not be confirmed despite providing all details. I go to the bank branch to open an account and they start a ticket but the bank is dragging ing its feet. They offer these incentives then make you jump through hoops to get the XXXX dollars online credit. I have set up direct deposit with them and generally feelI am being jacked around.

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 2025-03-13 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: IA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: IA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I have to leave the country, my XXXX  expired earlier than I expected. 
I don't have a job although I have been sending my credit card payments but the credit increase with 2 late fees per month because every month my access to my account was blocked for no reason.

I had several calls to solve this problem with Chase, I tried to pay my credit, they are still charging me fees so I can not pay anymore.

I am unemployed with no savings and outside the US.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: MN

Complaint narrative:
It is illegal to report information on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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:
Kindly remove the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts and am unfamiliar with their origins. As per USC 1681g, I am requesting their removal within 15 days. Please find the enclosed documents for reference. Furthermore, there are inconsistencies in account details across the bureaus.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I am filing a formal complaint against XXXX for reporting inaccurate and inconsistent information on my credit report. Despite my attempts to resolve these discrepancies directly with the credit bureau, the issues remain unresolved. Below are the details : Bethpage Federal Credit Union XXXX XXXX XXXX ) Now FourLeaf FCU Bethpage Federal Credit Union was bought out by FourLeaf FCU.

One report lists the account as " Paid as Agreed '' with a {$0.00} balance, while another states " Full Termination '' without further details. 
The credit bureau has failed to clarify or correct this inconsistency despite my dispute request. 
FourLeaf FCU ( Auto Lease ) One report lists the account as " Charged Off '' with a {$480.00} past due balance as of XX/XX/year>. 
Another report shows a {$0.00} balance with no charge-off. 
No bill was ever received for the stated outstanding balance, which is a violation of the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ). These laws require creditors to send proper billing statements before reporting delinquencies. 
I request an investigation into this account to verify the accuracy of the reported status. 
. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report. If the disputed information can not be verified, it must be removed. The continued reporting of inaccurate data is harming my credit standing and financial well-being. 
I am requesting the CFPB to investigate this matter and ensure compliance with the FCRA. I have attached supporting documentation, including copies of my credit reports highlighting the discrepancies. 
Please provide me with an update on the investigation and any corrective actions taken. Thank you for your attention to this matter.

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 2025-03-13 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: SC

Complaint narrative:
Trans Union Equifax Experian all three bureaus refused to remove all inquiries off my credit report when I ask, they refuse to do their job and follow the law so I appreciate you getting in contact with them and ask them to remove all inquiries. I sent you off of my credit report. Its about XXXX to XXXX inquiries that was ran without my permission.

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 2025-03-13 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: SC

Complaint narrative:
Trans Union Equifax Experian all three bureaus refused to remove all inquiries off my credit report when I ask, they refuse to do their job and follow the law so I appreciate you getting in contact with them and ask them to remove all inquiries. I sent you off of my credit report. Its about XXXX to XXXX inquiries that was ran without my permission.

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 2025-03-13 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: FL

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

Company 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 2025-03-13 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: TekCollect Inc.
State: TX

Complaint narrative:
I called because i Received an email stating the collection account had been removed yet when I called XXXX stated that it had not.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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 not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-13 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I applied for a XXXX XXXX XXXX credit card through XXXX. Upon approval, XXXX automatically set this credit card as my default payment method without my explicit consent or clear disclosure. I was never made aware that this card had replaced my existing payment method for XXXX purchases. 

Additionally, I never received the physical credit card in the mail and had no way of knowing the account details, billing cycle, or payment obligations. As a result, I unknowingly accumulated a balance on this card for purchases I believed were being charged to my usual payment method. Since I was unaware of the charges, I missed payments, leading to a delinquency on my credit report. 

This delinquency has severely damaged my credit score, impacting my ability to secure a favorable mortgage interest rate and increasing my financial burden. 

Upon discovering this issue, I contacted XXXX to explain that I had never received the card, had no knowledge that it was set as my default payment method, and did not knowingly authorize these charges. Despite my explanation, XXXX refused to remove the delinquency from my credit report. 

I have spoken with an attorney, who has advised me that this situation may violate several consumer protection laws, including : Truth in Lending Act ( TILA ) Lack of clear disclosure regarding the automatic default payment setting.

Fair Credit Billing Act ( FCBA ) Billing errors due to non-receipt of the card and unauthorized charges. 
Fair Credit Reporting Act ( FCRA ) Chases refusal to correct an inaccurate delinquency that resulted from their misleading process. 
Unfair or Deceptive Acts and Practices ( UDAP/UDAAP ) XXXX and XXXX undisclosed default payment setting led to significant financial harm. 

I am filing this complaint because XXXX actions have caused severe financial consequences, and they have refused to take accountability despite clear evidence that I did not knowingly authorize these charges.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I applied for a XXXX XXXX XXXX credit card through XXXX. Upon approval, XXXX automatically set this credit card as my default payment method without my explicit consent or clear disclosure. I was never made aware that this card had replaced my existing payment method for XXXX purchases. 

Additionally, I never received the physical credit card in the mail and had no way of knowing the account details, billing cycle, or payment obligations. As a result, I unknowingly accumulated a balance on this card for purchases I believed were being charged to my usual payment method. Since I was unaware of the charges, I missed payments, leading to a delinquency on my credit report. 

This delinquency has severely damaged my credit score, impacting my ability to secure a favorable mortgage interest rate and increasing my financial burden. 

Upon discovering this issue, I contacted XXXX to explain that I had never received the card, had no knowledge that it was set as my default payment method, and did not knowingly authorize these charges. Despite my explanation, XXXX refused to remove the delinquency from my credit report. 

I have spoken with an attorney, who has advised me that this situation may violate several consumer protection laws, including : Truth in Lending Act ( TILA ) Lack of clear disclosure regarding the automatic default payment setting.

Fair Credit Billing Act ( FCBA ) Billing errors due to non-receipt of the card and unauthorized charges.

Fair Credit Reporting Act ( FCRA ) Chases refusal to correct an inaccurate delinquency that resulted from their misleading process.

Unfair or Deceptive Acts and Practices ( UDAP/UDAAP ) XXXX and XXXX undisclosed default payment setting led to significant financial harm. 

I am filing this complaint because XXXX actions have caused severe financial consequences, and they have refused to take accountability despite clear evidence that I did not knowingly authorize these charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I applied for a XXXX XXXX XXXX credit card through XXXX. Upon approval, XXXX automatically set this credit card as my default payment method without my explicit consent or clear disclosure. I was never made aware that this card had replaced my existing payment method for XXXX purchases. 

Additionally, I never received the physical credit card in the mail and had no way of knowing the account details, billing cycle, or payment obligations. As a result, I unknowingly accumulated a balance on this card for purchases I believed were being charged to my usual payment method. Since I was unaware of the charges, I missed payments, leading to a delinquency on my credit report. 

This delinquency has severely damaged my credit score, impacting my ability to secure a favorable mortgage interest rate and increasing my financial burden. 

Upon discovering this issue, I contacted XXXX to explain that I had never received the card, had no knowledge that it was set as my default payment method, and did not knowingly authorize these charges. Despite my explanation, XXXX refused to remove the delinquency from my credit report. 

I have spoken with an attorney, who has advised me that this situation may violate several consumer protection laws, including : Truth in Lending Act ( TILA ) Lack of clear disclosure regarding the automatic default payment setting. 
Fair Credit Billing Act ( FCBA ) Billing errors due to non-receipt of the card and unauthorized charges. 
Fair Credit Reporting Act ( FCRA ) XXXX  refusal to correct an inaccurate delinquency that resulted from their misleading process. 
Unfair or Deceptive Acts and Practices ( UDAP/UDAAP ) XXXX and XXXX undisclosed default payment setting led to significant financial harm. 

I am filing this complaint because XXXX actions have caused severe financial consequences, and they have refused to take accountability despite clear evidence that I did not knowingly authorize these charges.

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 2025-03-13 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: DISCOVER BANK
State: MD

Complaint narrative:
This creditor ( XXXX XXXX XXXX ) has violated my rights. Under 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604a section 2 saids a credit reporting agency can not furnish an account without without my written instructions. under 15 USC 1666b may not treat a payment on a credit card account as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally address my concerns regarding significant changes to my account with Truist Bank ( formerly SunTrust ), which were not duly communicated to me. Specifically, I was not notified of alterations to the type of account, fee structure, or terms associated with my account. It has come to my attention that my Savings account was converted to a Checking account, either during the migration to Truist in XXXX or potentially at an earlier date. 

I had been a longstanding and valued customer of the institution, with savings income reported on IRS Form 1099-INT from XXXX through XXXX, as evidenced by the attached documentation. During this period, my account accrued interest exceeding {$400.00} in certain years. However, from XXXX through XXXX, I did not receive any 1099-INT forms, and no communication was provided regarding changes that may have impacted the interest-bearing status of my account. 

My trust in the institution began to waver when, in XXXX, I encountered difficulties accessing my account via a newly issued ATM card. I was informed that I was being disruptive and allegedly unable to complete a basic Fast Cash withdrawal. Upon further investigation, I discovered that my account was now classified as a Checking account, and I was required to select this option when using the ATM. This revelation left me dissatisfied with the apparent lack of care and management regarding the status of my accounts. 

I subsequently took steps to rectify the situation by upgrading my Truist Checking account to a Truist One Checking, thereby restoring the ability to earn interest that had previously been suspended. However, when attempting to convert the problem savings/ " checking '' account into a Truist One Savings account, I was informed that I did not meet the qualifications for such an account, though I had the minimum balance. As a result, I chose to close the second Checking account, as I did not wish to maintain two Checking accounts under these circumstances. 

I request that you thoroughly investigate these matters and provide clarification regarding the handling of my accounts, including any failure to notify me of changes that may have affected my account type, interest-bearing status, and associated terms.

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