vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
When i first set up recurring payments, the system reflected my payment was due on the XXXX of EACH MONTH. Each time my due date changed, truist bank system doesnt adjust and takes the payment on the current due date. " Truist Bank has failed to accept accountability for a system that misleads customers regarding recurring payment due dates. Specifically, when setting up recurring payments, Truist uses the term " EACH month, '' which leads customers to believe their payment date will remain fixed. 

However, Truist 's policy allows due dates to change. Despite this policy, their recurring payment system does not adhere to the Department of Defense Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. 3901 et seq., which provides protections for servicemembers with recurring payment obligations when their military service affects their ability to make payments. Specifically, the recurring payment schedule does not automatically adjust to reflect any changes in the customer 's actual due date, as may be required under the SCRA. 

In addition, the following laws and regulations may also be applicable : Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., and its implementing Regulation Z, 12 CFR Part 1026 : These laws require clear and conspicuous disclosure of the terms of consumer credit, including payment schedules. The " EACH month '' language, coupled with the system 's failure to adjust for changing due dates, may violate TILA 's disclosure requirements. 

Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and its implementing Regulation E, 12 CFR Part 1005 : These laws govern electronic fund transfers, including preauthorized recurring payments. If Truist is making transfers on dates that do not align with the actual due dates, particularly after representing that payments will be made " EACH month '', this could violate EFTA and Regulation E. 

State-Specific Consumer Protection Laws : Many states have their own consumer protection laws that may provide additional remedies for deceptive or unfair practices. For example, Texas has the Deceptive Trade Practices-Consumer Protection Act ( DTPA ), Business & Commerce Code 17.41 et seq., which may be relevant. 

As a result, Truist 's system is misleading, and their recurring payment system does not function as a reasonable customer would expect, given the " EACH month '' language and the requirements of the above-referenced laws and regulations. The imposition of fees due to Truist 's faulty system has caused financial harm, which should be addressed. ''

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
This is my most recent communication to PayPal : To Whom It May Concern, I am writing to formally demand immediate action regarding ongoing fraudulent activity on my PayPal account involving a person named XXXX XXXX, who has unauthorized access to my account and has fraudulently withdrawn a total of over {$1600.00} in nine separate incidents. 

Despite my repeated reports and your initial partial reimbursement, this individual continues to access my account without authorization. I have never approved, authorized, or knowingly transacted with XXXX XXXX. She is not a friend or family member, as your system may have incorrectly assumed. The nature of her access is clearly criminal and intentional, yet PayPal continues to treat her activity as legitimate, even after Ive provided clear evidence of fraud. 


Timeline and Details : Initial fraud ( {$630.00} ) : I reported this through your platform and the CFPB. After initial denial, I was reimbursed. 
Account Hold & Verification : My account was locked and I attempted to verify my identity with an expired drivers license ( the only ID I had available at the time ), and you declined it. 
Account access was then mysteriously restored overnightnot by meand immediately another {$500.00} was withdrawn by XXXX XXXX. 
I have since changed my password and security settings multiple times, and blocked this individual repeatedly. Yet she continues to access the account, which clearly indicates a deeper security breach or account compromise on your platform. 



Sincerely, XXXX XXXX XXXX mailto : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-04-17 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: LA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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 explanation
Consumer complaint received 2025-04-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian, Transunion, Equifax Request for Removal of Fraudulent Account from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of a fraudulent Account that appears on my credit report. The account in question is not mine, and I believe it is the result of identity theft. 

The details of the fraudulent account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : Unknow I discovered this account while reviewing my credit report, and I did not authorize or initiate this loan. I have filed a FTC report and placed a fraud alert on my credit file. Attached are copies of the FTC report, my FTC Identity Theft Report, and a government-issued ID as proof of my identity. 

Under the Fair Credit Reporting Act ( FCRA Section 605B ), ( 15 U.S.C.1692 ), ( IRC 26 U.S.C.6050P ), ( I am requesting that this fraudulent account be immediately investigated and removed from my credit report. Please confirm in writing once this account has been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-04-17 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 recently checked my report on Experian & after I checked my report I noticed five accounts I have no knowledge of thses accounts so it is identity theft if not its an error on your end & I want these items removed from my credit report .This is an unlawful act according to fcra FCRA 605B Blocking Fraudulent Information so I will take you to ligitation if this further continues to report! I will list these accounts below as well give a copy of my ftc report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
Sofi bank charge my account {$75.00} as a pre-authorization hold that I did not use at a racetrack gas station. I told them that I needed the money to be put back into my account as it has been over 40 hours. I got proof from racetrack and had a three-way phone call with XXXX  and XXXX with XXXX. Sending all the documentation needed proving that XXXX should release my {$75.00}. The lady I spoke with on the phone on the XXXX and was very very rude and refused to give the phone to a supervisor or to help me along any further in getting access to my {$75.00}. It has now been XXXX days and the transaction is still showing as pending, even though I have sent XXXX all the relevant information and documentation needed to prove that I should have access to my money. I would like to sue XXXX and move forward in small claims court after this if this is not solved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Deposit my home insurance check and other parties didnt sign the back of the check. JP Morgan doesnt want to reimburse the insurance the check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
I am submitting this complaint against XXXX which continues to furnish inaccurate and unverifiable credit information by maintaining a tradeline for XXXX XXXX XXXX ( XXXX XXXX ) tied to Mortgage Note # XXXX. 

I am not the borrower I am the donor of funds that were reclassified and offset under a securitized instrument that XXXX has failed to acknowledge is no longer a loan. My position has been perfected in equity through : IRS Form XXXX : Declaring a private XXXX trust election, IRS Form 1099-OID and 1096 : Reporting interest received, UCC-1, UCC-1Ad, UCC-5 filings XXXX XXXX XXXX : Declaring discharge of the note , Identity theft affidavits and Regulation E letters ( all ignored ), A ledger from XXXX XXXXXXXX XXXX XXXX ) that contradicts TransUnions reported balances. 

TransUnions records reflect a current balance of {$89000.00} but this contradicts : The servicers own internal ledger ( which shows offset reversals, accounting reclassification, and no lawful assignment ), XXXX own CFPB response ( # XXXX ) confirming it never assigned the account, MERS response ( # XXXX ) that no lawful assignment was executed, The SEC FOIA response ( XXXX XXXX XXXX ) confirming no trust registration or XXXX election ever existed for the claimed asset. 

Additionally, XXXX reported the account as closed with a {$0.00} balance, and now XXXX XXXX is reporting the same account with a new balance and no legal transfer. That is a violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) and amounts to double reporting fraud.

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 2025-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding my experience with Climb Credit in relation to my financing of a bootcamp program through XXXX. 

First and foremost, I was shocked by how high the interest rates turned out to be. I was not adequately informed of just how costly the loan would be in the long run. What I expected to be a supportive path to a new career instead became a significant financial burden. 

Additionally, the bootcamp did not deliver on the promises made during enrollment. I was led to believe that XXXX had a high job placement rate and would provide robust career coaching throughout the process. However, the job coaching was minimal, and the overall support was lacking. I did not receive the career services I was promised, and this significantly impacted my ability to find employment after completing the program. 

Perhaps most upsetting was the misinformation I received regarding a potential refund or compensation if I failed to secure a job within a year. During a phone call with the company, I was explicitly told that if I did not find employment within one year of completing the program, I would be eligible for some form of reimbursement. However, when I followed up about this, I was told it did not apply to me because I financed the bootcamp. This directly contradicted the information I was given previously and feels extremely deceptive. 

I feel misled by both Climb Credit and XXXX. The lack of transparency, the high-interest loan, and the false assurances have left me in a difficult financial and professional situation. I trusted this process to help advance my career, and instead, I was taken advantage of. 

I hope this complaint is taken seriously and that steps are taken to prevent other students from going through a similar experience. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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 writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX  XXXX Balance {$280.00} Open Date XX/XX/XXXXXXXX XXXX XXXX  Balance {$8400.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$1600.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1200.00} Open Date XX/XX/XXXX XXXX Balance {$770.00} Open Date XX/XX/XXXX XXXX  XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXXXXXX XXXX Date XX/XX/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 2025-04-17 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-04-17 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: FL

Complaint narrative:
The account in question has been reported inconsistently across all three credit bureaus. One bureau shows the credit limit as {$0.00}, while others correctly report a {$500.00} limit. The high credit also varies, with two showing {$530.00} and one showing {$500.00}. Payment history is also inconsistentone bureau reports a 150-day late status while the others report 120 days. Additionally, the date of last payment is different, and closure reasons vary ( closed due to inactivity, canceled by grantor, paid account ). These discrepancies misrepresent the status and history of the account. I am requesting that the information be verified and corrected or removed if it can not be confirmed as accurate.

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 2025-04-17 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: LA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
I recently checked my report on Experian & after I checked my report I noticed five accounts I have no knowledge of thses accounts so it is identity theft if not its an error on your end & I want these items removed from my credit report .This is an unlawful act according to fcra FCRA 605B Blocking Fraudulent Information so I will take you to ligitation if this further continues to report! I will list these accounts below as well give a copy of my ftc report. 

XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXXXXXX XXXX XXXX  Opened 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 2025-04-17 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: OK

Complaint narrative:
Ive been disputing these errors and accounts since XXXX its been ongoing over and over and I get the same answer. I asked them if they had any knowledge of my information being leaked in any breaches since I have credit monitoring in which they told me no. So Ive asked for proof, and I have never received any proof. According FCRA regulations Im entitled to see proof of investigations of disputes for accounts and inquiries according to. I wouldve never known about all my personal and financial information being put onto the Internet for purchase if I didnt sign up and start paying for services to scan for fraudulent activity under my name, which XXXX found a lot of information that Experian never notified me that was released to the public for people to buy and use so now my credit is now just trash and I have suffered a lot of financial damages because of this 15 U.S.C 5 1681

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 2025-04-17 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: RI

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 2025-04-17 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:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Inquiry is not authorized by me. I haven't spoken to this lender at the said 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 explanation