vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than 30 days have elapsed since I submitted my 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 non-monetary relief
Consumer complaint received 2025-03-16 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: LEXISNEXIS
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX & ONLY ADDRESS THAT SHOULD BE ON MY REPORT ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX & ONLY ADDRESS THAT SHOULD BE ON MY REPORT ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX & ONLY ADDRESS THAT SHOULD BE ON MY REPORT ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX & ONLY ADDRESS XXXX SHOULD BE ON MY REPORT ) XXXX XXXX XXXX XXXX XXXX XXXX CORRECT ADDRESS - XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX & ONLY ADDRESS THAT SHOULD BE ON MY REPORT ) XXXX XXXX XXXX ( MY LEGAL REAL NAME XXXX XXXX XXXX THE ONLY NAME THAT SHOULD APPEARS XXXX XXXX REPORT ) XXXX XXXX XXXX ( MY LEGAL REAL NAME XXXX XXXX XXXX THE ONLY NAME THAT SHOULD APPEARS ON MY REPORT ) XXXX XXXX XXXX ( MY LEGAL REAL NAME XXXX XXXX XXXX THE ONLY NAME THAT SHOULD APPEARS ON MY REPORT ) XXXX XXXX ( MY LEGAL REAL NAME IS XXXX XXXX THE ONLY NAME THAT SHOULD APPEARS ON MY REPORT ) XXXX XXXX XXXX  ( MY LEGAL REAL NAME XXXX XXXX XXXX THE ONLY NAME THAT SHOULD APPEARS XXXX XXXX REPORT ) XXXX XXXX ( MY LEGAL REAL NAME IS XXXX XXXX THE ONLY NAME THAT SHOULD APPEARS ON MY REPORT ) According to Section 609 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The incorrect name and outdated addresses listed in my file do not accurately reflect my current or historical information and need to be removed immediately. 
Please investigate this matter and remove the incorrect information as required under the law. In addition, please send me an updated copy of my credit report once these corrections have been made. I expect this matter to be fully resolved within the 30 days allowed by law. 
Enclosed, you will find a copy of my driver 's license and a utility bill to verify my correct name and address. 
Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and notify me when the updates have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: FL

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 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 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year> in the afternoon after posting my social security check to my account SoFi bank put my account in restriction status and I am not able to withdraw my money from my account. After calling them to find out why they did this, there response was that they can't tell me the reason they are doing this or what the problem with my account is. I have a swath of bills to pay that are due now, and I am not able to access my money because of this unknown reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 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 2025-03-17 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: WI

Complaint narrative:
I need the following HARDINQUIERE that do not belong to me, nor do I request them and are affecting my CREDIT to be removed from my Credit Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-03-16 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 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Capital One credit card app was hacked online and someone made a payment on the accounts. They attempted to use the accounts, however I called Capital One immediately upon finding out this happened and told them. They closed access to me from all of my accounts, which also included the ability to make payments.

They have been charging late fees and interest each month, yet denying my access to make a payment. This has been reported to my credit report and made a severe impact on my credit score. I contacted them to close the accounts, since they would not allow my access to make payments. They finally gave me access to make payments. 

They are reporting late payments each month, however I have been making payments. They are not following the Fair Debt Collection Act. They have been posting late fees each month and additional interest charges that are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX  amount of 1089 towards Amazon store credit card. I place an order on amazon store to order a laptop I was tracking my package through XXXX  and my package arrived in my apartment building and left my package in the lobby not by my door. When I arrive from work my package was not there at all and my package was stolen downstairs in the lobby. I filed a dispute with Amazon store credit card aleast five times already and send them police report and XXXX  claim and an email from Amazon store that the seller are no longer with them anymore they not refund money at all.

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 2025-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP
State: MA

Complaint narrative:
I don't know how else to get across what the actual problem is in this case. It has been very frustrating as I keep trying to explain the actual issue, and the responses have been unrelated to the issue. 

My mortgage bank, US Bank, put my missed payments during a CARES act protected mortgage forbearance, into an interest bearing account at the end of forbearance. This is not allowed under the CARES act, which forbids charging borrowers any more than if they had made payments on time during a pandemic - era forbearance. I keep making complaints. All of the banks responses have centered around sending me documentation showing that I signed a loan modification at the close of the forbearance. I did sign, but did not understand, because calculations are very complication, that this loan modification with lower interest rate, which the bank actually encouraged me to sign in order to increase affordability, would end up costing me {$20000.00} in additional interest over the life of the loan. {$20000.00} more than the original loan, in interest alone. 

I can not stress this enough, and it is not being addressed : The CARES act prohibits charging additional interest over and above what would have been charged if I had made payments on time. What I want to know is why the missed payment amount was not put into a non-interest bearing account, as required by law. If I didn't qualify for that arrangement, why not? I should have. My loan is XXXX XXXX backed, and was current at the time that I first signed up for the forbearance plan during the pandemic.

However, I am being charged {$20000.00} over the life of the loan in additional interest. I don't want to keep being sent the original documents. I want to know how the bank justifies charging me interest on the missed payments, when the CARES act prohibits such, and when my HUD counselor has provided me with the calculations and said the missed payment amount should have been put into a non interest bearing account. I am still waiting for an explanation of why the bank thinks it did not need to do this, despite the clear intention of the CARES act provision.

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 2025-03-16 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: FL

Complaint narrative:
Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ EQUIFAX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for { {$1000.00} } from { XXXX XXXX Acc # ... XXXX / or The company listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of { XX/XX/year> }. According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right. to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. Thank you for your immediate attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: NJ

Complaint narrative:
I have reported several disputes with you regarding XXXXXXXX XXXX  account you did not do proper investigation after multiple times and allowed this company to report inaccurate information to my credit you also allowed them reopen an closed account to change status and to continuously charge this goes against my consumer rights and this should be deleted off my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have reported several disputes with you regarding XXXXXXXX XXXX  account you did not do proper investigation after multiple times and allowed this company to report inaccurate information to my credit you also allowed them reopen an closed account to change status and to continuously charge this goes against my consumer rights and this should be deleted off my 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 2025-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
LVNV company had two different collect debtors which claimed to be lawyers trying to collect a debt. The company from XXXX XXXX went to mediation and we were able to make payment arrangements with no issues. 
But other collector XXXXXXXX XXXX XXXX XXXX that I also went to mediation with to make payment plans as too that went through LVNV ; their company was not corruptive on multiple occasions. I tried setting up automatic payment plans which they denied to help me with multiple times.

All of their companies phone calls state that the are all recorded. Last day I tried to attempt again once more I was denied. I stated next time they want to take me to court I would expect all the recordings and contacts I've attempt to amend this issue. 
I now have court on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX XXXX  with them again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: TN

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 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 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit Karma recommended a credit card through XXXX XXXX. Promising great rates Got horrible rate and a very low limit. Have excellent credit and great income. No way to effectively and quickly close it. The only thing that recommendation did for me is lower my credit rating

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Equifax and Transunion are playing the " don't blame us game '' and have violated FCRA knowingly by reporting innaccurate information on mine and others credit reports to deny well qualified buyer status for 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 2025-03-16 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:
Equifax and Transunion are playing the " don't blame us game '' and have violated FCRA knowingly by reporting innaccurate information on mine and others credit reports to deny well qualified buyer status for 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 2025-03-16 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: SC

Complaint narrative:
Experian failed to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ) regarding a fraudulent account on my credit report. Despite my dispute, Experian failed to properly investigate, update, correct, or delete the inaccurate information. Several disputes have been made to Experian and they claimed to have " verified '' the account within 23 days, which is not a reasonable timeframe to conduct a proper investigation under FCRA 611 ( 15 U.S.C. 1681i ). This suggests that Experian did not fulfill its legal obligation to conduct a thorough review but instead relied on automated responses from the furnisher of the account. 

Under the FCRA, Experian is required to : XXXX. Conduct a reasonable investigation within 30 days. 
XXXX Review all relevant information I provided. 
XXXX. Correct or delete any information that can not be verified. 

XXXX failure to take these steps has caused significant harm to my credit profile, and I am requesting the CFPBs assistance in ensuring compliance with the law. I ask that the CFPB require Experian to : - Conduct a proper reinvestigation of this fraudulent account. 
- Provide detailed documentation on how the account was allegedly verified. 
- Remove the fraudulent account if verification can not be adequately substantiated. 

I am requesting assistance to hold Experian accountable for this violation.

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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
On XX/XX/year>, I deposited a check of {$1600.00} ( US dollars, picture of check is available ) at Truist XXXX XXXX branch ( XXXX Powers XXXX XXXX, XXXX, GA, XXXX ). The funds were credited on the same day. On XX/XX/year>, a charge of {$540.00} appears on my account. I called the bank to investigate and the charge was because Truist ( incorrectly ) assumed that the check was in XXXX dollar, since it was emitted by a XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). But it is stated on check paperwork that the check is in USD. I went to the same branch on XX/XX/year> and met the branch manager, XXXX XXXX, for nearly XXXX hours. XXXX XXXX listened and made several calls and chat and confirmed then that Truist had made a mistake and that he will proceed to credit the {$540.00} to my account. I have followed via e-mail ( e-mail chain can be provided ), and on XX/XX/XXXX, XXXX XXXX informed me that I should claim the difference to XXXX XXXX XXXX XXXX or in other words, that Truist would not reimburse me the {$540.00} that they incorrectly charged me

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