vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Specifically, I have experienced the following improper practices : Unnotified Due Date Changes : My credit card payment due date has been changed without proper advance notice, making it difficult to manage my payments and leading to unnecessary late fees. 

Unexplained Minimum Payment Increases : The minimum payment due on my account has been increased without prior notification, impacting my financial planning and potentially leading to delinquency. XX/XX/XXXX Improper Fees : I have been charged fees that appear to be unwarranted or not clearly explained in my credit card agreement. These charges have resulted in additional financial burdens- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Overpayment request had to be made to technical issue with my the mobile app not showing pending payments. XXXX XXXX payment system issue Company has no direct phone number to business Credit card debt, Take 1-2 hrs to speak to there correct dept, they do that so that you will hang up and give up.

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 2025-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Capital Services, LLC
State: OR

Complaint narrative:
In received an email from the original company stating that they sold the account to this company called Structured Settlement, XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX. 
XXXX. When I received the email from the original company it did not state the amount or not much information about the debt. I reached out to STRUCTURED SETTLEMENT, and asked if I could have them sent over the information with the account number and amount owed. The lady was okay and she agreed to sending that over through email. I did not receive anything, I contacted them back, a man answered and was very rude, I asked him I never received the email. He aggressively said I have admitted to something on the recorded line, I said Im only asking for the information about the debt to be sent over. He said he couldnt do that. Why? Why cant I have that information? He said that I must agree to pay or that before something worst would happens. I have not received any emails or paperwork from them, Im the one reaching out about this!

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 2025-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES
State: MA

Complaint narrative:
Zwicker & associate, PC Aattorneys law send me a letter letter trying to collect a debt from XXXX XXXX  ending XXXX file # XXXX I request information about the account to verify is my but unless I provide my social security or date of birth they are not giving information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-03-04 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 been dealing with this with XXXX and Equifax for years. Today marks over 6 years since I paid the loan off completely. Yet still dealing with XXXX making false claims. Now today Equifax reports a late payment from XX/XX/XXXX which is highly not true to go along with XXXX reporting XXXX for XX/XX/XXXX which isnt true. This loan was paid in full enclosed after dealing with two hurricanes which left the house flooded and left us displaced which XXXX through my insurance company put us in a hotel both times this account was never late, but yet almost 7 years later, still affects my credit history as being the only late payment on my report. I manage XXXX accounts all 100 % this account must be updated on all three credit bureaus to paid in full closed never late and any late payments reflecting be removed immediately. It has been almost 7 years. This is becoming highly disturbing and upsetting. XXXX has put me in a position to where the only negative thing on my credit report is this one account from almost 7 years ago that was paid in full and closed in XXXX. There are no late payments. XXXX and Equifax needs to remove them. XXXX did the right thing they called. They spoke with the representative at XXXX and got the answers. They needed incorrect at the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
I have been dealing with this with Transunion and XXXX for years. Today marks over 6 years since I paid the loan off completely. Yet still dealing with XXXX making false claims. Now today XXXX reports a late payment from XX/XX/XXXX which is highly not true to go along with Transunion reporting XXXX for XX/XX/XXXX which isnt true. This loan was paid in full enclosed after dealing with XXXX hurricanes which left the house flooded and left us displaced which XXXX through my insurance company put us in a hotel both times this account was never late, but yet almost 7 years later, still affects my credit history as being the only late payment on my report. I manage XXXX accounts all 100 % this account must be updated on all three credit bureaus to paid in full closed never late and any late payments reflecting be removed immediately. It has been almost 7 years. This is becoming highly disturbing and upsetting. XXXX has put me in a position to where the only negative thing on my credit report is this XXXX account from almost 7 years ago that was paid in full and closed in XXXX. There are no late payments. Transunion and XXXX needs to remove them. XXXX did the right thing they called. They spoke with the representative at XXXX and got the answers. They needed incorrect at the same day.

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 2025-03-04 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: IL

Complaint narrative:
I am writing to formally dispute certain inaccuracies in my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. After reviewing my credit report dated [ insert date ], I have identified the following items that I believe to be incorrect : Under the FCRA, I have the right to dispute inaccurate information in my credit report, and I am requesting that you conduct a thorough investigation of these inaccuracies. According to 15 U.S.C. 1681i, you are required to investigate my dispute within 30 days of receiving this letter, and I expect to receive a written response indicating the results of your investigation. 

Please ensure that you notify the furnishers of this information of my dispute, as required by the FCRA, and that you provide me with a copy of my updated credit report should any changes be made as a result of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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:
Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnished, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-03-04 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: OH

Complaint narrative:
Dear credit bureaus, I received my investigation results and saw this account was verified. However, I have a few questions : What did you update? What did you modify exactly? Did you really reinvestigate my accounts? 

If you did, why is the open date different from the other credit bureaus, why is the date last active different, why are my accounts still inaccurate. 

I have sent in multiple disputes over the years to remove this inaccurate auto loan experian and transunion have failed multiple times to remove this account. The account isnt reflecting on XXXX because they removed it due to inaccuracy. Im confused as to how are they verifying this clearly inaccurate account and they arent providing a description on how they verified the account. This will be my last dispute before I take legal action against the credit bureaus. If you can not prove and write a clear description on how this account is accurate so you claim you need to remove it and this is my last time asking. I didnt have a license when this account was opened I havent made any payments and this account doesnt belong to me nor is it even accurate. 

I would like you to conduct an investigation for me to make certain that everything is accurate. 

XXXX XXXX XXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete this account from credit report due to violations of 15 USC 16811 ( 5 ), 15 USC 16811 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2.

I do not want to see we made a call to verify accuracy I want a real investigation done into this inaccurate account I know you cant prove a thing and I want it removed.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-03-04 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: CO

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report. 
After reviewing my report, I have identified accounts that I believe contain errors. I request an immediate investigation and correction of the following open accounts : XXXX XXXX XXXX A Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$110.00} XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$960.00} XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$9000.00} Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of consumer reports. If these accounts can not be verified as accurate, I respectfully request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
XXXX reported late payments to my credit report during the federal student loan freeze that ended XX/XX/year>. The reporting is inaccurate and I have tried 3 times to dispute this inaccurate information and they have done is verifying that my payments were late during a federal freeze of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX  my personal checking account with citi Bank was closed due to what they said was a fraudulent check. Before allowing me to repay they blocked my joint account and withdrew over XXXX dollars which they claimed they mailed over the past 2 years and was never received. I now received a letter that they are using my overdraft from my personal account as a charge off which I thought was going to be paid from my joint account. I have been transferred and misinformed multiple times and no one will tell me where my money is and XXXX dollars just disappeared

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 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: CA

Complaint narrative:
unauthorized transaction.PNC claims that if I have used the card at merchant in the past, then the transaction is a historical pattern of use this is ridiculous. the transaction is UN authorized, irregardless if I have used my card before or after at the major retailer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
After my last payment I suddenly saw a new charge on my car loan account with Ally Financial of {$450.00}. I reached out to customer service and asked what the extra charge was. I was told it was a late fee for getting an extension in XXXX  due to Covid. I did request this as I was furloughed and unemployment was not paying me. I was not told of any extra fees at the time and was told that my 3 payments would be added to the end date of the loan. I agreed to this. I was sent a notification in the app that said they sent me a letter in XXXX stating there were extra fees for extensions. At no time was I ever given an amount verbally, written or on any statement there was added fees. My loan always showed my 72 monthly payments of {$320.00} at the same time each month ( except for the 3 payments in XXXX, XXXX and XX/XX/XXXX ). I had one payment left in XX/XX/XXXXXXXX  and then out of nowhere a charge was added of {$450.00}, I asked for documentation of this fee and was sent my payment history with a payment lined out with a sharpie for {$320.00} XX/XX/XXXX ( date is in the future ) and another payment sharpied out on XX/XX/XXXX ( I have no idea why ). I called again today, spoke to a supervisor and she said it is because of my extension for the loan. I said I asked for documentation and the copies I got had no extra charges or extra fees and the page was blank with only a header. I believe this is fraud. There is no way for me to look up my actual statements myself online or in the app. They said they will mail me something in 10 business days.

Company response to consumer: Closed with explanation