vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX of XXXX I applied for a home equity loan with XXXX XXXX XXXX bank in XXXXXXXX XXXX. I made all the payments as required. XXXX XXXX XXXX was bought out a few years ago by TRUIST. 
I received notices that the interest rate will increase, so I paid the loan off. I continued to get statements that show a zero balance. Some months later in XXXX, I received a bill for a {$50.00} Fee. I went to the bank and talked with a loan officer, and she said it would be resolved. I received another bill in XX/XX/XXXX for a {$50.00} fee and talked with another loan officer and he was no help. I finally had a chance to get to the bank in XXXX and explained the situation to the loan officer XXXX. He told me that to get it resolved I would need to pay the {$100.00} and call a number after two days. I paid the fees and now I am filing a complaint against Truist bank. I would like to get my money back and I hope the bank changes their policy.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed my credit card account and is reporting a charge-off balance of {$1400.00} on my credit report. However, there are several issues with their handling of this account : XXXX. Failure to Provide Supporting Documentation : Bank of America has not provided any documentation to validate the charge-off balance of {$1400.00}. 
They did not issue a 1099-C form, which is required if the debt was forgiven or canceled, as per IRS regulations XXXX 
I have requested account statements, a payment history, and an itemized breakdown of the charge-off balance, but they have failed to provide this information. 
XXXX. Lack of Required Notices : Bank of America did not send any prior notification regarding the charge-off or closure of my account, which has left me without the opportunity to resolve the debt or verify the accuracy of the amount reported. 
XXXX. Negative Impact on Credit Report : This charge-off is negatively impacting my credit score and ability to secure credit, including an auto loan. The lack of documentation and transparency makes it impossible for me to address or resolve this issue.

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 2025-01-13 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: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 2025-01-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute multiple unauthorized hard inquiries that appear on my XXXX credit report. I did not apply for credit with these companies, nor did I authorize these inquiries. These unauthorized inquiries are negatively impacting my credit score and were conducted without my consent. 

The following hard inquiries are in question : 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 XXXXXXXX and the companies responsible, but the inquiries have not been removed. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have authorized should be on my credit report. Since I did not give permission for these, I am requesting their immediate removal to prevent further damage to my credit. 

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 2025-01-13 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

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 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 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 2025-01-13 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: IL

Complaint narrative:
I am a victim of Equifax data breach and Identity Theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see the attached FTC reports and other relevant documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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 am submitting a complaint regarding inaccuracies on my Experian credit report, report number XXXX, generated on XX/XX/year>. Despite filing multiple disputes with Experian, the information remains incorrect. The following items were either not addressed properly or marked as " verified '' without adequate documentation : XXXX  XXXX ( Account XXXX ) : Marked as " Verified and Updated, '' but the reporting is inaccurate. 
XXXX XXXX XXXX XXXX XXXXXXXX ) : Discrepancies remain, though marked " Verified and Updated. '' XXXX  XXXX XXXX ( Account XXXX ) : Marked as " Remains '' with no resolution or explanation after my dispute. 
XXXX XXXX XXXX ( Account XXXX ) : Marked as " Verified and Updated, '' but the accuracy is still in question. 
XXXX XXXX XXXX XXXX XXXX Account XXXX ) : Updates were made, but verification was not provided. 
XXXX XXXX XXXX XXXX XXXXXXXX ) : Marked " Verified and Updated, '' but discrepancies persist. 
XXXX XXXX XXXX XXXX XXXXXXXX ) : Marked " Remains, '' yet Experian has not provided evidence supporting the accuracy of this account. 
Additionally, there are redundant and incorrect address entries on my report, including : 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 XXXXXXXX Experian has failed to address these issues properly, despite my disputes. I believe this violates the Fair Credit Reporting Act ( FCRA ), as Experian did not resolve my disputes within the legally required timeframe or provide supporting documentation for items marked as " verified. '' I am requesting the CFPB to investigate Experians handling of these disputes, require them to provide verification for the accounts in question, and ensure all inaccuracies are corrected or removed. 

I have attached supporting documentation, including the relevant credit report and dispute correspondence, to substantiate 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 explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I made an electronic deposit of {$1400.00}, into my checking account. On XX/XX/XXXX, at XXXX XXXX, I contacted USAA via phone concerning this deposit to inquire if funds had been received from the other financial institution ; twice I was informed funds were received and available. On XX/XX/XXXX, the check was returned. Since then, my mother and I have reached out to USAA on numerous occasions, and have spoken with many different representatives, including representatives in the office of the CEO, to no avail ; dates, times, and names of the many attempts to reach out to USAA can be provided. Furthermore, on XX/XX/XXXX, at XXXXXXXX XXXX a representative by the name of XXXX, located in the office of the CEO, reached out and informed my mother, that USAA will not make restitution, even though openly acknowledging that the USAA representative on XX/XX/XXXX provided me with INCORRECT information.

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 2025-01-13 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: Nelnet, Inc.
State: OK

Complaint narrative:
They had a date breach and my In formation was sold. I still have the letter from them. Yet they will not remove those student loans have done disputes, a credit freeze, sent letters, etc. Still those student loans are still on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
I have been the victim of inaccurate reporting that has severely impacted my financial life. Since XX/XX/year>, I have been blacklisted from all banking systems due to erroneous information being reported by Early Warning Services. This has resulted in my funds being frozen in XXXX for four months, and it was only after prolonged effort that the funds were finally released. During this process, it was discovered that there was no record indicating that my profile was " unfundable. '' Despite this, all banks continue to deny me banking services, even though XXXX and Early Warning are not reporting any accounts with significant delinquencies. This situation has caused significant hardship and emotional distress, and it continues to affect my ability to manage my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
All credit cards have been paid off and car loan balance is paid off with company still reflecting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
All credit cards have been paid off and car loan balance is paid off with company still reflecting on my credit

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 2025-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I, XXXX XXXX XXXX made a consumer credit transaction at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, full loaded. 

The Dealer 's sticker price was listed at {$8900.00} of which a {$3000.00} deposit was made by me under an agreement with the Dealer by the name of XXXX XXXX and assigned to " LENDER '' known as CREDIT ACCEPTANCE CORPORATION. XXXX had assessed the total value of the car at {$12000.00} due to improvements he alleges had been made to the vehicle. 

Currently, the FMV ( Fair Market Value ) of the car is listed at {$9200.00} at best. Amount financed after fees came to {$14000.00} due as a balance via a signed agreement to be paid monthly at {$430.00}. On XXXX XXXX, my car that I use for work was repossessed due to two missed payments which I thought was cruel, unusual and even illegal since it was confiscated from a location I did not have as listed on the agreement and that this was an undisclosed area for privacy reasons. 

The only logical explanation how they found and towed the vehicle in the wee hours of the morning was if they had installed non manufacturer GPS tracking device in the car which may have violated our privacy laws. A simple XXXX search revealed that this is the 'norm ' and standard operating procedure at these types of dealerships. The other injustice is I am a XXXX XXXX XXXX with a decent credit score and never had a car repossessed in my over 7 decades on this planet. 

This is unacceptable and unscrupulous business practice. My contract calls for Arbitration resolution in cases of dispute, yet they do not honor their clauses of going through that process with their clients and instead prefer to 'snatch ' the car back after two missed payments and to add insult to injury, they emptied the contents of car including removing license plates on same day of towing and put on an auction block to be sold without giving a grace period for me to settle and retrieve car. 

This abominable company breached the contract and had every intention to sell that car to another buyer immediately after confiscation. On top of that, they had the unmitigated gall to tack on more fees even after I lost wages due to having no car, inducing mental stress, gaslighting, terror and the indignity of being towed and having a repossession on credit profile and putting out money to rent another car for work. 

And even more egregiously, we can prove that they had no skin in the game and did not fund the initial loan. Which is a fraud and a felony. The FTC and ATTORNEY GENERAL 'S OFFICE OF NJ will be notified next. 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
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: OK

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: OK

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-13 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: DC

Complaint narrative:
My privacy rights are safeguarded by laws established by Congress to protect consumers. Allowing unauthorized access to my financial data not only violates federal laws but also infringes on my constitutional rights, resulting in significant harm and distress.

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 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I pulled my consumer files to check what is on there and I seen that Affirm did a charge off and has a balance. Plus they still have an old address on file. 

So I called Affirm and they wanted to verify XXXX items to confirm that it is me. I confirmed my name, phone number and date of birth but I don't use the email that they have on file nor do I want to deal with them electronically. They guy said that he couldn't move forward, I asked for a manager and he said that he couldn't pass me along until he got my email address so I hung up and called back. The second guy pretty much said they same thing and again I asked for a manager. The manager gave me the same spill but I told him that I don't give permission for them to send anything electronically so there was no since in them having my email address. 

He jump to the next thing which was to update my mailing address, when I gave him the information he said that he can't accept XXXX XXXX XXXX. Well that is the ONLY way I get my mail I told him. Then I explained that the reason I wanted to update my mailing address is that they need to send me a 1099-C he still said he can't accept it so I let him know that I was putting in a complaint that I was doing my part to make sure they had the correct info. On the first call I recited my address and since the calls are recorded they do have my correct information whether they like it or not. 

I also had sent them a couple of negotiable instruments which I never did got returned so I am sure they deposited and got their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diverse Funding Associates LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation