vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
The account ending in XXXX was opened in XXXX  and had a levy on it, I was told it was closed. 4 years later I receive a charge off with funds owed. Apparently I had {$33.00} in the account but it had disappeared from my online banking and I had no idea I had it still, them they started charging XXXX per month until it charged off then added XXXX charge off fee and send me a bill for {$76.00}. I guess after they accumulated the charges then they send out a letter to my address after they say they might. They claim they sent to a XXXX XXXX but can't give me copies. I don't feel I should be on the hook for {$76.00} when they didn't give any notification.

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 2025-01-22 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: NM

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report immediately. I am unaware of their origins and did not authorize their creation. Under USC 1681g, I formally request their removal within 15 days. The necessary documents are attached for your reference.

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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
They have been calling me at LEAST 3 x 's a day, every single day. Always from a different number that I haven't already blocked. I do not owe this debt, because it has already been paid by me directly to the original creditor. The original creditor has failed to issue a statement of paid in full, closed account. Original creditor left it on my credit report with the status of " charge off ''. My voicemail box has been completely full for the past 2 months. All of the messages are from them and them alone. They are trying to force me to pay the debt that i ALREADY PAID to the original creditor ... ..now to them as well. I'm not going to pay this debt twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I paid the bill the day after I received the bill. I paid it in full on XX/XX/year>. The credit card bank claimed it was not received until the XXXX of XXXX & it was due on the XXXX. I called and asked them to please reverse the {$30.00} late fee. They said their policy is only a one time credit of {$15.00}. I disagreed as I can't be penalized for Post Office delays of one day!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request the removal of the security freeze currently placed on my credit file. This request is being made to allow access to my credit report for necessary financial purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX XXXX  XXXXXXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2025-01-22 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: NV

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XXXX  - XXXX - {$27000.00} XXXX  - XXXX - {$0.00} XXXX  - XXXX - {$0.00} XXXX XXXX XXXX - {$1100.00} XXXX XXXX  - XXXX - {$1000.00} XXXX  XXXX - XXXX - {$340.00} XXXX  XXXX - XXXX - {$0.00} XXXX  XXXX XXXX XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: AZ

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report, that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of the items listed below. The items are incorrect and does not reflect my true credit history. 

The reported accounts XXXX XXXX  {$370.00} XXXX XXXX  {$780.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$610.00} XXXX XXXX {$1000.00} XXXX XXXX {$3100.00}

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 2025-01-22 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: AZ

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report, that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of the items listed below. The items are incorrect and does not reflect my true credit history. 

The reported accounts XXXX XXXX  {$370.00} XXXX XXXX  {$780.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$610.00} CXXXX XXXX {$1000.00} XXXX XXXX {$3100.00}

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 2025-01-22 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: MD

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. the following accounts were removed from XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$100.00} XXXX XXXX Opened XX/XX/XXXX {$140.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$3000.00} and XXXX which are 2 of the main CRAs Despite my submissions, Equifax 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces-was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: SC

Complaint narrative:
I am a victim of the XXXX data Breech and noticed some fraudulent activity on my credit report that I did not authorize. Please remove immediately make personal to 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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I opened a citi bank account mid XXXX only to use as a payment method to pay for a life insurance policy. The only transactions Ive had on that account was XXXX from a friend every month that will be later going towards my insurance policy. Years prior, my mom used XXXX XXXX for herself and i to fix our credit. Fast forward to XXXX, we both were awarded refunds due to a class action lawsuit. XX/XX/XXXX, i mobile deposited my check. On the XXXX there was a restriction on my account. On the XXXX there was a lock on my account. I did not receive any red flag or fraud alerts from Citi by email or text msg or phone call not even till this day but they have emailed me that my check was accepted prior. I called Citi multiple times giving them all the correct information they asked for. I have them the number that was on the paperwork attached to the check so they could call and verify but they tell me that the number isnt verified. So, today I call citi on one phone and I call the number that was on the paperwork attached to the check ( XXXX ), so that they could speak to each other and verify over the phone. Citi would not speak to the representative regarding my check, they Say the number isnt a verified number but i dialed that same number that they claim isnt verified and I got someone on the phone ready to verify my check. The Issuer which is XXXX XXXX Matter ( XXXX ). Citi also wants them to call them theirselves which is not able to be done. XXXX XXXX Matter has stated that they can not legally call my bank on my behalf which was my reasoning for calling citi on my phone and calling XXXX XXXX on another phone. Its been over a week and I dont have my money STILL as a bank a protector/keeper of my funds that I work hard for Im highly upset and I want nothing to do with this bank. They are also trying to close my account within 30-60 days. The fact that they can send me emails about my mobile deposit, about my check being accepted and deposited but cant send me emails when there are red flags and fraud alerts. Thats a major problem.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally request the removal of unauthorized inquiries listed on my credit report. Upon reviewing my report, I found the following entries that I did not authorize : 1. Inquiry : XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX 2. Inquiry : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX 3. Inquiry : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX 4. Inquiry : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. Inquiry : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX I want to bring to your attention that under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, consumer reporting agencies may only furnish consumer reports for permissible purposes. Since I did not authorize these inquiries, they violate my rights under the FCRA.

Please conduct a thorough investigation into this matter and remove these unauthorized inquiries from my credit report immediately. I would appreciate written confirmation of the results of your investigation and an updated copy of my credit report reflecting the removal of these inquiries.

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 2025-01-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: IL

Complaint narrative:
Contacted the telephone number provided for the company ( KINUM INC ) pursuing me for collections at XXXX and the number is invalid and does not work. Attached is a copy of the debt displayed on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST PORTFOLIO SERVICING INC
State: NC

Complaint narrative:
To Whom it May Concern, This Letter is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a credit profile to all creditors who have received a copy within the last six months, or the last two years of employment purposes.

Additionally, please provide the name, address, and telephone number of each grantor or other subscriber. Under Federal Law, you have 30 days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
The car was paid off in full with no late payments. I also have a 1099C to show that the debt was charged off and accepted by XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
The car was paid off in full with no late payments. I also have a 1099C to show that the debt was charged off and accepted by XXXX XX/XX/XXXXk.

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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
A fraudulent check was mobile deposited at XXXXXX/XX/XXXX. XXXX honored the check by withdrawing funds from my account at Truist but did not release the funds to the fraudster. 
XXXX notified me and after confirming it was a fraudulent check did not release the funds. My bank is telling me it will take up to 45 days to return my funds. There is no victim here but me. The banks are holding my funds even though they have no reason to do so.

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 2025-01-22 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: PA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX capital one auto finance XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Early Warning Services LLC XXXX XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers. 

Bank : XXXX XXXX XXXX XXXX ( opened XX/XX/year> ) Account : XXXX Routing : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
As permitted under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate the disputed entries and correct any errors. 
Below, I have listed the specific items I dispute, along with the reasons for the dispute : XXXX. XX/XX/XXXXXXXX Account numberXXXX XX/XX/year>2024. 
Please investigate these discrepancies and provide me with written confirmation of your findings. If the disputed information is found to be inaccurate or unverifiable, I request that it be removed or corrected promptly in accordance with the requirements of the FCRA. 
Under 15 U.S.C. 1681i, you are required to complete this investigation within 30 days of receiving this dispute. Additionally, I request that you provide me with a copy of the results of your investigation, including any updates or corrections made to 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 explanation