vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: NJ

Complaint narrative:
After reviewing my credit report, i noticed that there is incorrect info on my report. The following accounts have incorrect information : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Accounts The accounts listed have incorrect data associated with the account including incorrect balances and transaction history. Please investigate and correct the incorrect info on these accounts and verify all info per the FCRA. Please provide the means by which the data was verifed and please send an updated report. If the account information can not be verified please delete the account per FCRA.

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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Request CFPB assistance in resolving a wrongful second Charge back of {$5200.00} and the subsequent closure of the merchant Paymentech account on XX/XX/XXXX and XXXX days later XX/XX/XXXX close my other unrelated merchant account and made the {$2900.00} disappear from the account - XXXX the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-03 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: MA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: MA

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 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 2025-05-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TN

Complaint narrative:
I have a collection of XXXX for a bill that I do not recognize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
In or Around XX/XX/2010? 
I was attending a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
I was told after graduation they would give us on the job training and guarantee us a job in the field we graduated from. I did XXXX  and the training was at a small XXXX office with XXXX employees that did not have any work for me other than filing patents records after a couple of weeks of that I complained to the student loans Department that told me this when I enrolled. They said they would look into my complaint but nothing changed and also they never sent me to any Job searchs like they promised I never worked 1 day in that field. And I was still left with the bill of the course fees balance is {$25000.00} today, on my credit report. XXXX  removed the loans information when I disputed these loans from their reporting site but XXXX XXXX XXXX never did.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-05-03 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-05-03 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: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/year> I hired XXXX XXXX XXXX  XXXX  to move all of my personal items from my home in XXXX  to the new residence in XXXX. I paid {$2500.00} on that day with my regions debit card. Later that day, the moving company indicated that they could not move my items to XXXX. A chain of events occurred, and all of my belongings ended up in storage and is still remaining there today in XXXX. I had to pay this moving company an additional {$470.00} to unload my things into storage units. The moving company said that they will move my items to me in XXXX  if I pay them the same amount a second time. This is fraud. 
I opened up a dispute with Regions Bank and they have denied my claim stating that I did not supply enough documentation ( I supplied XXXX screen shots and was later told by an employee that the Documentation was not even attached to my claim until after the first denial. They then decided to deny my claim a second time and use a different excuse stating that it was not within a certain timeline. Again, an employee told me that there is no cut off period for disputes. I invited them to look up phone records that would prove that I had at least XXXX conversations with employees within that timeframe explaining exactly what this moving company had done and no Regions employee indicated anything about there being a timeline to file a claim. Their last denial they reused the first excuse and said that I did not supply supporting documentation. By having conversations with a variety of Regions employees, it became clear to me that this is a case of a lack of integrity and unfair business practices. The corporate customer satisfaction department was of no help and supported the denial. That person is XXXX XXXX. I repeatedly asked him how they could deny a fraudulent claim? He refused to give me any answers and told me their decision is final. 
Not only did this moving company steal almost {$3000.00} from me. I have been paying costly storage fees since then and have none of my personal belongings. I need that money to retrieve my items and also eliminate storage fees that I had not planned on paying.

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 2025-05-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding a debt collection account managed by XXXX XXXX XXXX that I believe is being handled improperly. 

I was recently contacted by XXXX XXXX XXXX about a debt they claim I owe. However, I do not recognize this debt and have not received sufficient documentation or validation to support their claim. Despite my request for verification, they have continued their collection efforts without providing the necessary information required under the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, this account has been reported to the credit bureaus, negatively affecting my credit score, even though the debt has not been validated. This reporting is causing undue harm and stress, and I believe it may be in violation of my rights as a consumer. 

I respectfully request that the CFPB investigate this matter and that XXXX XXXX XXXX either provide full validation of the debt, including a copy of the original creditor agreement and a full payment history, or cease collection efforts and remove any negative reporting associated with this account from my credit reports. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
I am filing this complaint regarding a debt collection account managed by XXXX XXXX XXXX that I believe is being handled improperly. 

I was recently contacted by XXXX XXXX XXXX about a debt they claim I owe. However, I do not recognize this debt and have not received sufficient documentation or validation to support their claim. Despite my request for verification, they have continued their collection efforts without providing the necessary information required under the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, this account has been reported to the credit bureaus, negatively affecting my credit score, even though the debt has not been validated. This reporting is causing undue harm and stress, and I believe it may be in violation of my rights as a consumer. 

I respectfully request that the CFPB investigate this matter and that XXXX XXXX XXXX either provide full validation of the debt, including a copy of the original creditor agreement and a full payment history, or cease collection efforts and remove any negative reporting associated with this account from my credit reports. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: MA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: CA

Complaint narrative:
I received a move-out statement from XXXX XXXX XXXX  on XX/XX/year>, stating I owed {$5000.00}. I paid this amount in full on XX/XX/year> via XXXX in the amount of {$5000.00} ( including fees ). Despite this, the apartment complex sent my account to a collection agency, ProCollect, which reported it as an unpaid collection to XXXX. I emailed ProCollect on XX/XX/year> with proof of payment but received no resolution. I also mailed a formal dispute with documentation on XX/XX/year>. This collection is inaccurate and is harming my credit. I am requesting that ProCollect delete the collection from my credit report and cease any further collection activity.

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 2025-05-03 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: Self Financial Inc.
State: GA

Complaint narrative:
I am writing to formally dispute inaccuracies in my credit report as provided by your bureau. I obtained a copy of my credit report, which includes information that I believe is incorrect. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information in my file that I believe is inaccurate or can no longer be verified. 

XXXX XXXX  Credit Report Information in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX - Report Date : XX/XX/XXXX - Reported Balance : {$0.00} - Account Status : Closed - Date Closed : XX/XX/XXXX - Account Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - Reported Balance : {$300.00} - Account Status : Closed - Date Closed : XX/XX/XXXX - Account Type : Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX - Reported Balance : {$200.00} - Account Status : Closed - Date Closed : XX/XX/XXXX - Account Type : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - Reported Balance : {$0.00} - Account Status : Closed - Date Closed : XX/XX/XXXX - Account Type : Credit Card XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX - Reported Balance : {$0.00} - Account Status : Closed - Date Closed : XX/XX/XXXX - Account Type XXXX XXXX XXXX XXXX Based on my records and payment history, the following issues need addressing : - The XXXX XXXX balance reported XXXX XXXX and XXXX XXXX account status XXXX XXXX  of the above accounts may not accurately reflect my payment history, particularly as it relates to any charge-off amounts.

- I request a thorough investigation into these discrepancies per Section 604, 605, and 607 of the FCRA, which state : - Section 604 : [ 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX  Permissible purposes of consumer reports. 
- Section 605 : [ 15 USC 1681c ] XXXX XXXX XXXX XXXX XXXX XXXX Information excluded from consumer reports. 
- Section 607 : [ 15 USC 1681e ] XXXX XXXX XXXX XXXX XXXX XXXX Compliance procedures. 

In accordance with these provisions, I kindly request an investigation to verify this information and, if found inaccurate, request that you notify the furnishers to update or delete this information from my credit report. 

Additionally, I have included supporting documentation to further substantiate my claims. 

Please respond to me in writing regarding your investigations outcome within the time frame stipulated under the FCRA. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a student checking account with Truist on XX/XX/XXXX and made my first deposit in-person at the XXXX, GA branch following my XXXX  XXXX Bankruptcy being XXXX the month prior. Abruptly, Truist closed my account and told me they couldnt tell me why and that they would file a complaint ticket on my behalf. I never received word back but I keep getting mail containing my account summary. Yesterday on XX/XX/XXXX I called Truists customer service number and informed the representative that I have been trying to recover my remaining funds for XXXX years and the representative told me that my account was closed due to fraud and that I need to call XXXX XXXX XXXX to retrieve my money. XXXX is a consumer agency and does not provide funds from any account. They are simply there to help banks make decisions on allowing customers to have accounts. This was my XXXX account since my XXXX  XXXX was XXXX and I completed everything in person. My XXXX deposit was with cash and I only made a few transactions with the account. Truist has also never closed the account but instead placed a restriction on it according to XXXX XXXX XXXX and has been lying to me saying it is closed so that they can keep my money. I have never committed fraud and I demand a full investigation and my money back or I will be suing Truist to the full extent of the law for discrimination, theft, and false accusations.

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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
On XX/XX/year>, while I was at work, someone charged my card on XXXX for XXXX dollars. XXXX transactions, XXXX for XXXX and the other for XXXX. I did not receive a fraud alert beforehand, I did not authorize this transaction, and I had the card on my physical person at the time. USAA gave me a provisional credit and then proceeded to tell me over a month later they were reversing the charges. Well actually they didn't tell me, they just did it without notification. I contacted USAA and asked for the claim to be reopened. The agent refused to do so, unless I had " new information '' about the fraudulent charges. What new information IS there? I asked for her to clarify and she literally said " I'm not telling you that. '' This is verifiable over online chat by the way. Been a customer for over a decade now. I'm closing my account just because of this. USAA has sided with degenerate scammers over {$500.00} dollars of fraudulent charges. They do not care about service members. And their customer service refusing to re-open the dispute? Or tell me what info I needed to provide? Yeah, I'm out. USAA steals from broke, XXXX XXXX XXXX XXXX. Ok!

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