vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Attempted twice today to make contact with Truist and come to a mutually beneficial arrangement. The first agent was the tough guy, pay up or else, kind of talk.. well that was about as welcoming as XXXX in a punch bowl. I asked for an address and i offered to surrender the vehicle in less than 30 minutes. he said i could not. i said i sure can, i will drive 10 minutes up the road park in front of Truist bank at XXXX XXXX XXXX XXXX, XXXX Texas, XXXX and give the manager the keys to my car and say thank you. He did not like that either, he was not willing to negotiate anything... we exchanged unpleantries and hung up. I called back and spoke to a very very nice female, polar opposite of the demeanor from the first gentleman. Explained my situation due to health problems i had fallen behind, but had made in excess of XXXX straight payments on autodraft not missing a beat! she was wonderful and polite and said let me see and let me see and let me see, but that resulted in much of nothing. I was supposed to receive a call, and there is a possibility i missed it, but i wanted it resolved on the phone, did my part. came up with i thought a more there fair proposal ... XXXX $ in two weeks, {$300.00} two weeks later, that 4 weeks later back to XXXX $ a month ... .now i am not nave that still leaves me two payments behind ... ..well, give me the address and i will turn it in within 30 minutes. you want the remainder of this XXXX loan or you want me to surrender this car, i will do it in a second. I am seeking a fair and manageable payment plan to make partial payments and then resume full payments in a months time. I want Truist to show good faith in negotiating. Please and thank you. 

Sincerely, 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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Immediate Removal of Outdated and Inaccurate Personal Information Complaint Summary : I am submitting this formal complaint to request the immediate removal of all outdated and inaccurate personal information from my credit reports maintained by Experian, Equifax, TransUnion, and all sub-reporting agencies. The only accurate and authorized personal information that should be reported under my credit profile is : Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Email : XXXX Phone Number : XXXX Any other addresses, phone numbers, or variations of my name must be permanently deleted as they are outdated, incorrect, and have been improperly associated with my credit file. These inaccuracies have led to the unauthorized use of my identity and the appearance of fraudulent accounts on my report, which I have been actively disputing. 

Additionally, I have attached a copy of my state-issued identification, which clearly reflects my current and only valid address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX This serves as official proof that no other address should be associated with my credit profile. 
Legal Basis for My Request : Under federal law, including but not limited to : 15 U.S.C. 1681c ( a ) ( 7 ) ( Fair Credit Reporting Act - FCRA ) : Credit bureaus must ensure that only accurate and relevant information is retained in consumer reports.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

15 U.S.C. 1681b ( f ) : The dissemination of inaccurate or obsolete information violates permissible purpose regulations.

15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to maintain maximum possible accuracy in their reports.

Federal Trade Commission ( FTC ) Guidelines on Identity Theft : Reinforces my right to remove incorrect personal data linked to unauthorized activity.

Given the legal framework above, the continued reporting of outdated and incorrect personal details constitutes negligent noncompliance and directly affects my ability to maintain an accurate credit profile.

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 2025-02-19 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: IN

Complaint narrative:
With my track record of timely payments, this late payment is unfair. I ask that you remove it and update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I formally dispute the 30+ day late payments reported for XXXX and XX/XX/XXXX under 15 U.S.C. 1681s-2 ( a ) ( 1 ) and XXXX XXXX XXXX These entries are inaccurate due to : XXXX. XXXX XXXX XXXX XXXX Deed of Trust XXXX XXXX ( Page XXXX ) : " Payments shall be applied first to interest, then principal, then escrow '' XX/XX/XXXX Statement Shows : XX/XX/XXXX Payment Received XX/XX/XXXX : {$6200.00} XXXX XXXX XXXX XXXX  XXXX  : {$5700.00} ( {$2000.00} principal XXXX  {$3700.00} interest ) Improper Escrow Allocation : {$470.00} XXXX XXXX misapplied {$470.00} to disputed escrow charges rather than XXXX XXXX XXXX XXXX, creating artificial delinquency. This violates XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  requiring proper payment application. 
XXXX. Texas Insurance Code 557.105 Notice Defect The bank : Backdated force-placed insurance to XX/XX/XXXX Sent first notice XX/XX/XXXX ( XXXX  days post-backdate ) Charged {$5600.00} for 184 days of invalid coverage This violates XXXXXXXX XXXX 14-day pre-placement notice requirement, invalidating the escrow charges used to justify payment diversion. 
XXXX. FCRA 623 ( a ) ( 1 ) ( B ) Non-Compliance XXXX XXXX failed to : Note active insurance dispute in credit reporting Conduct reasonable reinvestigation per XX/XX/XXXX XXXX  response Correct misapplication per XX/XX/XXXX FDIC complaint reply Enclosed Documentation : XX/XX/XXXX statement showing {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX denial letter ( FDIC Ref # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX excerpt Demanded Actions : Delete XXXX and XX/XX/XXXX late notations Update account status to " Current '' Provide written confirmation of corrections Per FCRA XXXX, you must complete the investigation within 30 days. Failure to correct will compel CFPB/XXXX  complaints for willful non-compliance under 15 U.S.C. 1681n. 
Sincerely, 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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I formally dispute the 30+ day late payments reported for XXXX and XX/XX/XXXX under 15 U.S.C. 1681s-2 ( a ) ( 1 ) and XXXX XXXX XXXX These entries are inaccurate due to : XXXX. XXXX XXXX XXXX XXXX Deed of Trust XXXX XXXX ( Page XXXX ) : " Payments shall be applied first to interest, then principal, then escrow '' XX/XX/XXXX Statement Shows : XX/XX/XXXX Payment Received XX/XX/XXXX : {$6200.00} XXXX XXXX XXXX XXXX  XXXX  : {$5700.00} ( {$2000.00} principal XXXX  {$3700.00} interest ) Improper Escrow Allocation : {$470.00} XXXX XXXX misapplied {$470.00} to disputed escrow charges rather than XXXX XXXX XXXX XXXX, creating artificial delinquency. This violates XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  requiring proper payment application. 
XXXX. Texas Insurance Code 557.105 Notice Defect The bank : Backdated force-placed insurance to XX/XX/XXXX Sent first notice XX/XX/XXXX ( XXXX  days post-backdate ) Charged {$5600.00} for 184 days of invalid coverage This violates XXXXXXXX XXXX 14-day pre-placement notice requirement, invalidating the escrow charges used to justify payment diversion. 
XXXX. FCRA 623 ( a ) ( 1 ) ( B ) Non-Compliance XXXX XXXX failed to : Note active insurance dispute in credit reporting Conduct reasonable reinvestigation per XX/XX/XXXX XXXX  response Correct misapplication per XX/XX/XXXX FDIC complaint reply Enclosed Documentation : XX/XX/XXXX statement showing {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX denial letter ( FDIC Ref # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX excerpt Demanded Actions : Delete XXXX and XX/XX/XXXX late notations Update account status to " Current '' Provide written confirmation of corrections Per FCRA XXXX, you must complete the investigation within 30 days. Failure to correct will compel CFPB/XXXX  complaints for willful non-compliance under 15 U.S.C. 1681n. 
Sincerely, 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 2025-02-19 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: NY

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address, These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. 
To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX. XXXX XXXX NY XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN.

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2. Update my credit profile to reflect the correct information as listed above.

3. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 
XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo case number : XXXX, XXXX and XXXX Account number ending in : XXXX I bought a XXXX XXXX XXXX hoodie for a XXXX gift. I thought the company was an American company as they had an American address on the website. The item showed up weeks late, the item is clearly not a real XXXX or XXXX XXXX item. The tag on the hoodie does NOT say XXXX which ALL XXXX items have. The color is not what it should be, the type of material is not the correct one, and even the XXXX XXXX star is not the correct color. 

I took pics of the hoodie I received and I took pics of one that is real and sent them to Wells Fargo. This is a very simple and easy situation to handle. The seller should be back charged for this. It is illegal to sell knock off or counterfeit items in the U.S. Wells Fargo should help protect its customers from this type of fraud. That is what this is plain and simple. 

Someone from Wells Fargo did call me, refused to help me in anyway. Told me I was responsible for this and that I needed to go and have the item evaluated by a 3rd party to determine if the item was truly authentic. It is a simple hoodie, and by the evidence I showed to Wells Fargo, it is very clear that the item is a fake. 

I have contacted the seller and they are based out of XXXX, and refuse to return or refund. This behavior by the company goes to show that the item is a fake. I just want Wells to do the right thing and protect me from fraud. I do not want them to call me, talk over me and treat me the way I have been. I have been a good customer, never had a missed or late payment, never gone over my limited. I have a good credit score and have never had a issue prior to this situation.

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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I did a balance transfer on my Barclays XXXX card. It was supposed to be 0 % interest for an extended period of time, I am being charged interest every month.

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 2025-02-19 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: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: IN

Complaint narrative:
I am filing this complaint against Edfinancial for inaccurately reporting my consolidated student loan as defaulted despite my on-time payments. 

I consolidated my student loan through Edfinancial and have made all payments on time. 
Despite the consolidation, Edfinancial continues to report the loan as defaulted, damaging my credit score unfairly. 
I disputed this with the credit bureaus under the Fair Credit Reporting Act ( FCRA ), but the servicer failed to update my information correctly. 
Reporting false or outdated information is a violation of FCRA 1681s-2 ( a ), which requires furnishers to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Immediate Removal of Outdated and Inaccurate Personal Information Complaint Summary : I am submitting this formal complaint to request the immediate removal of all outdated and inaccurate personal information from my credit reports maintained by Experian, Equifax, TransUnion, and all sub-reporting agencies. The only accurate and authorized personal information that should be reported under my credit profile is : Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Email : XXXX Phone Number : XXXX Any other addresses, phone numbers, or variations of my name must be permanently deleted as they are outdated, incorrect, and have been improperly associated with my credit file. These inaccuracies have led to the unauthorized use of my identity and the appearance of fraudulent accounts on my report, which I have been actively disputing. 

Additionally, I have attached a copy of my state-issued identification, which clearly reflects my current and only valid address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX This serves as official proof that no other address should be associated with my credit profile. 
Legal Basis for My Request : Under federal law, including but not limited to : 15 U.S.C. 1681c ( a ) ( 7 ) ( Fair Credit Reporting Act - FCRA ) : Credit bureaus must ensure that only accurate and relevant information is retained in consumer reports.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

15 U.S.C. 1681b ( f ) : The dissemination of inaccurate or obsolete information violates permissible purpose regulations.

15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to maintain maximum possible accuracy in their reports.

Federal Trade Commission ( FTC ) Guidelines on Identity Theft : Reinforces my right to remove incorrect personal data linked to unauthorized activity.

Given the legal framework above, the continued reporting of outdated and incorrect personal details constitutes negligent noncompliance and directly affects my ability to maintain an accurate credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: GA

Complaint narrative:
Subject : Immediate Removal of Outdated and Inaccurate Personal Information Complaint Summary : I am submitting this formal complaint to request the immediate removal of all outdated and inaccurate personal information from my credit reports maintained by Experian, Equifax, TransUnion, and all sub-reporting agencies. The only accurate and authorized personal information that should be reported under my credit profile is : Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Email : XXXX Phone Number : XXXX Any other addresses, phone numbers, or variations of my name must be permanently deleted as they are outdated, incorrect, and have been improperly associated with my credit file. These inaccuracies have led to the unauthorized use of my identity and the appearance of fraudulent accounts on my report, which I have been actively disputing. 

Additionally, I have attached a copy of my state-issued identification, which clearly reflects my current and only valid address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX This serves as official proof that no other address should be associated with my credit profile. 
Legal Basis for My Request : Under federal law, including but not limited to : 15 U.S.C. 1681c ( a ) ( 7 ) ( Fair Credit Reporting Act - FCRA ) : Credit bureaus must ensure that only accurate and relevant information is retained in consumer reports.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

15 U.S.C. 1681b ( f ) : The dissemination of inaccurate or obsolete information violates permissible purpose regulations.

15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to maintain maximum possible accuracy in their reports.

Federal Trade Commission ( FTC ) Guidelines on Identity Theft : Reinforces my right to remove incorrect personal data linked to unauthorized activity.

Given the legal framework above, the continued reporting of outdated and incorrect personal details constitutes negligent noncompliance and directly affects my ability to maintain an accurate credit profile.

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 2025-02-19 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: OK

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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