vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened an account online with Truist Bank. I deposited a check in person with a teller at their branch for {$13000.00} that I received as a 401K loan from XXXX XXXX XXXX. 2 days later my account was closed by Truist Bank without notifying me. I contacted customer service and was told that my account is under review because of possible fraud. I explained that the check is not fraudulent and that I have the corresponding stub from my 401K company, they can call XXXX  and verify. Meanwhile they took the funds from my 401K company and have not released them to me yet. I was told I would receive a letter in the mail within 10 business days. I received the letter but still no explanation and no check. It has now been 9 days and Truist is still holding my check. I was told I would receive a call from an analyst and still havent received one. I need that money to pay my bills otherwise why would I have taken a loan out!!? Truist Bank offers no resolution, customer service apparently does not communicate or interact with the analysts at the fraud department because there is no further information provided. I have contacted 30 times and keep getting the same thing. Went to the branch 2 times to no avail. Spoke to several representatives. I need this check so I can pay bills. Its not fair that I have been waiting for them to release my funds for something thats not fraudulent and them closing my account without so much as a phone call or email or anything. The ONLY way I had of knowing my account being closed is by attempting to login online. Otherwise I would not have known. I am seriously struggling at this point to pay bills as I depended on that loan to do so. Please assist me as soon as possible so that I may be able to get the money I LEGALLY borrowed from my 401K. Thank 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 non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is an Adverse Action to Truist bank who Denied me, ( a natural man, per definition ( 34 U.S.C. 12611 ), an XXXX XXXX ), ( a dejur citizen and my rights are protected by my states constitution ) a loan after requesting my social security card and running my credit ( America runs on full faith in credit of the people ) since 1933 Denying me access to my credit is a violation of my rights Basing the denial off of a third party credit agency is also a violation and conspiracy against me Pursuant 37th congress Session III Chapter 58. 1863 NATIONAL BANKING ACT OF 1863 Section 33 reads " And be it further enacted. That is shall be unlawful for any officer acting under the provisions of this act to countersign or deliver to any such association or to any other company of person any circulating notes contemplated by this act ect...

and further adverse actions include 15 U.S.C 1611- Criminal liability for willful and knowing violation see : pub. law 90-321 and further Title 15 U.S. Code 1691XXXX Scope of prohibition ( a ) IT SHALL BE UNLAWFUL FOR ANY CREDITOR to discriminate against any applicant with respect to any aspect of a credit transaction Truist Bank has committed Trust fraud, Deprivation of my rights, invasion of my privacy, conspiracy, and as a conditional offer to avoid this matter being brought before a competent authority I present this opportunity to Truist Bank to extend unto me what i am rightfully due which is access to my credit.

I expect Truist bank to reach out to me concerning this matter with an offer to settle in a private manner. 
Thank you for your time and reconsideration All rights reserved UCC1-308 non waived XXXX : XXXX agent on behalf of XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint regarding unauthorized accounts on my credit report that continue to appear despite my attempts to have them removed. These accounts violate 15 USC 1681b, as there is no permissible purpose for reporting them without my consent. I believe these accounts stem from my personal information being compromised in the Equifax data breach. The ongoing presence of these fraudulent accounts is causing significant harm to my credit and financial well-being. I request immediate investigation and removal of these accounts. If this matter is not resolved promptly. Please find attached documentation related to the disputed accounts.

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 2025-02-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX -BALANCE {$2000.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
-- - Ive been disputing this Department of Education balance for months. The issue stems from my Pell Grant and student loan disbursements through XXXX XXXX and XXXX XXXX, and its been a mess. 

For the fall XXXX spring term, I was awarded a Pell Grant of {$5800.00}. However, the school only paid me {$3400.00} via XXXX XXXX depositsleaving me short {$2300.00}. 

Despite this, XXXX reported to the Department of Education that they paid me the full {$5900.00}, which is both inaccurate and {$100.00} more than my actual award. This discrepancy is the root of the problem : theyre claiming I was overpaid by {$100.00}, when in reality, they still owe me {$2300.00} from the Pell Grant .

The Department of Education has since reported this alleged {$100.00} overpayment to credit agencies, sending it to collections during XXXX relief and damaging my credit for years. But the facts dont add up. Statements from XXXX XXXX will show exactly what I received : {$3400.00} in deposits, not the {$5900.00} theyve reported. This false reporting continues to haunt me. 

On top of that, XXXX XXXX still owes me {$1000.00} from a disbursement dated XX/XX/year>. They never sent me a check or a new card because XXXX told them I was no longer a student. So, between the {$2300.00} unpaid from my Pell Grant and the {$1000.00} unpaid or reimbursed from XXXX XXXX, Im owed a total of {$3300.00}. 

Now, lets look at my Direct Loan with XXXX, which totals $ XXXX amount is correct. If you subtract the {$3300.00} Im owed from the Pell Grant and XXXX issues, that leaves a difference of {$130.00} ( {$3400.00} - {$3300.00} = {$130.00} ). Ive already paid {$550.00} toward the Direct Loan, so if you subtract the {$130.00} from my payments, they actually owe me {$410.00} ( {$550.00} - {$130.00} = {$410.00} ) in overpayments on the loan. 

To sum it up : not only do they owe me money, but theyve trashed my credit over a supposed {$100.00} Pell Grant overpayment that never happened. The direct loan should be paid off in full. Their reporting is inaccurate, and Im stuck dealing with the fallout. I have proof of the deposits and statements to back this upthey need to fix this and make it right and remove it from my credit reports immediately. 

-- -

Company response to consumer: Untimely response
Consumer complaint received 2025-02-27 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: MN

Complaint narrative:
Capital One has ripped us off on savings interest fraud now they are hitting us with late fees and interest on credit card payments with REI. 
We send our payments in 12 days before the due date, and they have been claiming they have received the full payment a day late. 
We pay on time but are unable to prove when they receive the payment. 
We can not mail the payment early enough to avoid fees and charges. The system is rigged against the card user.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: OH

Complaint narrative:
I recently received a copy of my credit report. I have contacted Equifax a number of times concerning this issue and have failed to get it resolved, I am concernec about the accuracy of the information being reported. And a number of violations under the Fair Credit Act against my credit profile.

MY INFORMATION WAS EXPOSE IN THE EQUIFAX DATA BREACH, And I believe that EQUIFAX has made errors in reporting inaccurate accounts on my profile and In accordance with the fair credit Reporting act EQUIFAX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : |t also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 15 USC 1 681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties. 15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c- 2 ( a ). '' To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of my report, Please investigate the following accounts as I don't believe the information to be accurate. XXXX XXXX XXXX XXXX XXXX XXXX I noticed you are reporting multiple 60 day late payments on my credit history. I don't believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove this account. Unverified inaccurate public records BANKRUPTCY XXXX XXXX. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-02-27 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:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) (
i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Dear to whom it may concern : I recently pulled up my XXXX and XXXX credit report and your company is attempting to collect a debt. 

Original Creditor : XXXX XXXX Account Number : XXXX Amount : {$5600.00} Under 15 USC 1692cc : ( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( 1 ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( 2 ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or ( 3 ) where applicable, to notify theconsumerthat thedebtcollector orcreditorintends to invoke a specified remedy. 
If such notice from theconsumeris made by mail, notification shall be complete upon receipt. 

Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hindered my ability to obtain credit.It has also damaged my mode of living, my character, and much more. 

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below. 

Im giving your company 10 days to respond to this matter. Failure to respond to this matter will result in legal actions pursued against your company. 

I demand that the following account be validated or DELETED immediately : Account Number : XXXX Best Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: WA

Complaint narrative:
My student loans were put into the XXXX program. Nelnet is suppose to not be charging me interest per the mandated forbearance. I login in this am and see there is {$5300.00} worth of unpaid accrued interest through XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
On XX/XX/year> I had applied for the credit card Capital One XXXX. I waited for almost 25 days still did not receive why the application was denied. When I called the company, they said they had sent out the mail, I asked them for the tracking information, they said they do not have it. I asked them if they can email me the adverse action letter, they said they do not email adverse action letters. They said they will send the letter again, but I have still not received it. It's now been more than 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have called Citi Cards customer service in regards to my card and maybe making some changes. Everyone is worried about XXXX and XXXX having our information but you allow these credit card companies to give our most personal information to the XXXX and XXXX. Explain how that is not a security issue for Americans???? I asked to speak to a representative in America and they refused. I also messaged a rep and all they said was SORRY. How can this be happening. How can you monitor Americans information that these companies are giving to foreign Countries!!!! I know its about the all mighty dollar but Americans should be able to speak to Americans about sensitive financial matters!!! 
What is happening... ..I tried to contact Corporate to ask same questions and it only gives you customer service number. I like and explanation on what your department is doing to provide protection from other Countries and allowing these Companies to refuse or not provide a Person to speak to IN OUR OWN COUNTRY.. 

thank 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