vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/XXXX I received an alert asking if I had written a check for {$5000.00}. I replied " NO ''. I checked my account and a check for {$5000.00} had been presented but was returned. My account was put on " lock-down '', I changed my password and the next day I filed a police report. 
In XXXX I noticed an unusual telephone number ending in XXXX on the security verification page of the on-line banking feature and brought it to the attention of the bank and the telephone number was removed. 
In XXXX I was told that the Lock-down '' had been on the account long enough and that it should be removed, I pushed back, requesting that the status remain until after the holidays and was told that it had been long enough. 
XXXX fraudulent checks were presented on XX/XX/XXXX and XX/XX/XXXX. The first made payable to XXXX XXXX for {$1900.00} dated XX/XX/XXXX and the second made payable to XXXX XXXX for {$500.00} on XX/XX/XXXX. 
I completed an Affidavit of Fraud at the XXXX XXXX XXXX on XX/XX/XXXX. 
The bank returned the {$500.00}, but not the {$1900.00}. 
I spoke with the Fraud Department to appeal their decision on XX/XX/XXXX and was told that there was nothing they could do. 
I had had that account for over XXXX XXXX and, among other things, feel that I am being penalized for loyalty.

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 2025-02-19 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, 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.

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 2025-02-19 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: CA

Complaint narrative:
The date of the first delinquency that I have with Capitol One, does not match the date that I have. Under 15 USC 1681 B E, you must provide MAXIMUM POSSIBLE ACCURACY. I'm also asking full disclosure of the XXXX of my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-19 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 address an issue with my credit report that requires urgent attention. Upon reviewing my credit file, I discovered an account listed that clearly does not belong to me. This account is being mixed with my credit information and actually belongs to someone else. This error is not only a serious inaccuracy, but it is also damaging my creditworthiness and potentially affecting my financial future.

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 2025-02-19 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-19 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, 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.

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 2025-02-19 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I am filing this dispute because the debt collector failed to fully comply with my debt validation request, which is my right under the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/year>, I sent a verification letter to Portfolio Recovery Associates LLC requesting complete documentation to validate the alleged debt. Specifically, I requested : A detailed payment history : I asked for an itemized account of all payments and charges related to the debt. Proof of the collectors authority : I requested documentation such as a sale or purchase agreement that shows they have the legal right to collect on this debt. Proof of my liability : I asked for evidence that I am the individual responsible for this debt, including any documents or agreements that I may have signed. Legal authority to collect in XXXX : I requested proof that they are legally permitted to collect this debt in the state of XXXX Information on the age of the debt : I asked for details on when the account originally went into default with the original creditor. Because they failed to respond both within the 30-day window and at all, they failed to meet the requirements for proper debt validation, I dispute the legitimacy of this alleged debt. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that the collector removes this collection from my credit report with the 3 major credit bureaus, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
XXXX XXXX is showing a late payment on my record. The information is not correct and needs to be deleted. When my husband bought the car he added me as the second person on the loan. The auto dealer told him the first bill would come in the mail and then he would be able to set up the online payment portal login once he got first bill as it would have the instructions. Which is normal process when you purchase a car. The auto dealer took more than a month to send us the bill. We waited for it and it never came. Almost 2 months passed so I called XXXX XXXX. The told me that the payment was now late and I explained we never got the bill. So they proceeded to add our address in the system and added our email. They also verified I got the email so we could set up the online payment. On that very same day over the phone we made the payment directly from our checking account. And we also added auto pay on the online portal that very same day. I told the agent I was worried. Because it was a late car loan payment. And it would affect my credit. She said it may be on the credit report but most likely only my husband as he was primary. But of course later I found out the was not true. This late payment has been on my record for years. I have written letters to them. I hired a lawyer, XXXX XXXX. They were not able to remove it either. They tried. I finally had to stop paying them and just keep trying on my own. Please have them remove this late payment. It is not fair it would not have been late if the auto dealer had processed our information quicker and given our address accurately for the payment. The dealer is XXXX XXXX in XXXX and they are known to be very disorganized. The finance reps desk when we signed the loan was messy and cluttered and he couldnt even find things when he was helping us. I had a feeling he did our paperwork late and that is why this happened. Please help me get this mark off my credit. This is affecting me adversely as it makes my credit score lower. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am filing this dispute because the debt collector failed to fully comply with my debt validation request, which is my right under the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/year>, I sent a verification letter to LVNV Funding LLC c/o Resurgent Capital Services requesting complete documentation to validate the alleged debt. Specifically, I requested : A detailed payment history : I asked for an itemized account of all payments and charges related to the debt. Proof of the collectors authority : I requested documentation such as a sale or purchase agreement that shows they have the legal right to collect on this debt. Proof of my liability : I asked for evidence that I am the individual responsible for this debt, including any documents or agreements that I may have signed. Legal authority to collect in XXXX : I requested proof that they are legally permitted to collect this debt in the state of XXXX. Information on the age of the debt : I asked for details on when the account originally went into default with the original creditor. Although the collector responded within the required 30-day window, their response was limited solely to screenshots of my account dashboard from the original creditor. They did not provide any of the requested detailed payment history, documentation of their authority to collect the debt, proof of my liability, legal authorization for collection in XXXX, or information on the age of the debt. Because the response is incomplete and fails to meet the requirements for proper debt validation, I dispute the legitimacy of this alleged debt. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that the collector removes this collection from my credit report with the 3 major credit bureaus, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I initiated a transaction in the amount of {$700.00} on XX/XX/XXXX to a cover major car repair with the knowledge there were sufficient funds to cover this amount as my balance was {$710.00} at the moment. While also needing to cover an additional expense associated with this repair, I had another urgent transaction that was done late, thus being after what the bank even considers after business hours and therefore technically considered to be the next day, which would have been the XXXX and also what is reflected on my statement. The next day my balance still reflected a positive balance as the bank also doesn't consider pending transactions to be valid until posted, this also being indicated by the fact if a charge which is found to be in dispute can not actually be contested until it officially posts to the account. Hence, during the timeframe the charge is still reflecting under pending status, the customer can not file their dispute even if absolutely certain its invalid and should be challenged. Furthermore, the bank has previously advised that once the balance is in a negative state the customer has an opportunity to bring it current by/no later than XXXX the next business day and the bank will in turn waive any overfraft fees. So, not only was my balance still positive on the XXXX and didn't actually reflect negative until the XXXX, the direct deposit from my employer hit the account very early ( at the start of business day ) on the very next morning of Thursday XX/XX/XXXX. And the deposit was more than sufficient to cover any and all charges while leaving me with a substantial amount of funds remaining thereafter. Yet, the bank inadvertently charged me a {$36.00} overdraft fee anyway despite my having a more than sufficient deposit to come in well before the end of that business day on Thursday the 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 2025-02-19 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date of XXXX SS # XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : Customer Relations Department XX/XX/year> Re : Request to describe method of verification To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX Account # XXXX Please remove it from my credit report. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXXXXXX XXXX Account # XXXX Please remove it from my credit report. 


15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry:XXXX Please remove it from my credit report. 







I was also wondering if you were familiar with something called 15 U.S.C. Sec.

1681i ( a )? I heard that if you can't provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately. 
It is also to my understanding that I am entitled to an updated credit report as well as anyone who has inquired to obtain my credit report in the last 6 months. Please send me a copy of the updated report to the address I have provided. 
Also, send a copy of the updated report to all who inquired on my credit in the last 6 months. 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Thank You, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation