vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Truist Bank is responding back from my complaints with the CFPB, but is not fixing none of the history on my credit reports. They closed a investigation back in XX/XX/XXXX. However it was still reporting on my credit reports up until XX/XX/XXXX which is a full year of reporting inaccurate information. They stared another investigation into a existing matter is what they claim and they said they awarded me XXXX dollars to a account that was charged off back in XXXX of XXXX. I call to ask about this and they had me on hold for almost XXXX minutes, and then hung up on me which is another violation of My consumer rights. Truist responds back to my complaints but don't do none of what they say in these CFPB responses. They had a charged off account reporting inaccurate information on my credit reports for well over a year which exclusively damaged my credit profile. Truist thinks this is a joke and they say XXXX has the case, but he never answers the phone. Truist also said they mailed the last response to XXXX of my complaints to my address but never did. Truist continues to violate my consumer rights and something must be done 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX and XXXX both have inaccurate and wrong information on my profile.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equafax and XXXX both have inaccurate and wrong information on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Dates are not possible to list as this has been an ongoing issue for several years. 
XXXXXXXX XXXX credit is Synchrony Bank. Some XXXX in fraudulent charges were disputed. Synchrony never provided a list of charges dispite numerous requests. Synchrony has sold the Debt to XXXX XXXX, a recovery firm. I have communicated with XXXX recently. A supervisor " XXXX '' was offered a reasonable cash settlement to just make this go away. The amount they feel they needed to recover is roughly XXXX of the XXXX in fraudulent charges. I had already paid XXXX of the fraudulent charges when the negotiations became oppressive. I already warned them if my credit was damaged by their recovery efforts without substantial proof this debt was owed, I would take action to bring suit. 
I offered " XXXX '' XXXX on XX/XX/year>. XXXX tried to make it XXXX. I'm sure he's believes he is doing his job. XXXX made no additional efforts to set up a payment plan. The call ended. 

I am looking for a source of mediation in this matter. 
The dept should have been resolved while I was still in communication with Synchrony Bank. I didn't hear anything more about it. 
It has come up again with this less than reputable recovery firm. 

Can you help me to 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 explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX Address : Account # : XXXX To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor? 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 
IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing the debt. Thank you for your immediate cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am willing to file a complaint against Navy Federal credit union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am constantly being harassed by Portfolio Recovery Associates , LLC. They call and yell on the phone being disrespectful and trying to collect money on debt junk accounts they purchased for pennies. We all are aware that Portfolio has been sued by the CFPB on several occasions and had to pay out. They are sued in XXXX and just recently in XXXX for {$24.00} XXXX. It's time for the CFPB to initiate another lawsuit for XXXX. This company doesn't get it. I am requesting Original account level documents, copy of every transaction, a copy of the original contract with a wet signature, purchase transaction between Portfolio and the original creditor, documents showing when the account was sold and how much Portfolio paid for the account and title of ownership. If this account is placed on my credit file there will be a lawsuit filed against Portfolio Recovery Associates , llc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: AL

Complaint narrative:
I am writing to dispute the incorrect names listed on my credit reports. The only correct name that should appear on all of my credit reports is XXXX XXXX. 

However, I have noticed the following incorrect names on my credit reports : XXXX XXXX XXXX XXXX XXXX These names are inaccurate and should be removed immediately. Having these incorrect names on my credit reports can cause confusion and potentially impact my creditworthiness. 

I have attached copies of my government-issued ID and any other relevant documents to verify the correct spelling of my name as XXXX XXXX XXXX 

I kindly request that the Consumer Financial Protection Bureau assist me in ensuring these inaccuracies are corrected promptly by the credit bureaus and that the incorrect names are removed from my 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 2025-01-25 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Acct # XXXX  # XXXX Acct Name : XXXX XXXX XXXXXXXX Acct # XXXX  # XXXX CXXXX XXXX XXXX XXXX XXXX XXXXXXXX Hard Inquiries Credit XXXX XXXX Inaccurate Address XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

and according to 15 USC 1681eb they are supposed to ensure this 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.

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. 
XXXX, XXXX, Transunion I would like deletion of all inaccurate accounts 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 2025-01-25 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX  # XXXX Acct # XXXX  # XXXX Acct Name : XXXX # XXXX Acct # XXXX  # XXXX Collection Account XXXX XXXX XXXX  XXXX Hard Inquiries Credit XXXX XXXX  Inaccurate Address XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

and according to 15 USC 1681eb they are supposed to ensure this 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.

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. 
XXXX, Equifax, XXXX I would like deletion of all inaccurate accounts thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Subject : Formal Complaint Regarding Unjust Account Closure Without Notice or Proof To Whom It May Concern, I am writing to formally express my disappointment and frustration regarding the abrupt closure of my Zelle account. This action was taken without any prior notice, explanation, or evidence of wrongdoing, which I find unacceptable and highly unprofessional. 

I have been a responsible user of Zelle, and at no point was I informed of any issues or violations associated with my account. Despite my attempts to seek clarification, I have received no concrete evidence or details substantiating claims of fraudulence or any justification for the account closure. The lack of transparency and communication in this matter is both troubling and inconvenient, leaving me unable to access services I relied on for my financial transactions. 

As a customer, I deserve a clear explanation, as well as access to any proof or documentation that led to this decision. Furthermore, the absence of prior notice not only undermines my trust in Zelle but also places an undue burden on me to resolve an issue I was not even made aware of in advance.

I kindly request immediate clarification and resolution of this matter. Specifically, I am seeking : 1. A detailed explanation of why my account was closed.

2. Any evidence or documentation used to support the decision.

3. Steps I can take to appeal this decision or have my account reinstated. 

I believe this situation could have been handled in a more professional manner, and I urge Zelle to review its internal policies to ensure fair treatment and proper communication with customers. 

Please address this matter promptly. I look forward to your response within a reasonable timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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 am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the account ive marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: NJ

Complaint narrative:
I am writing regarding unresolved inaccuracies on my Experian credit report dated XX/XX/XXXX. I previously disputed these items, and I do not agree with the results of your investigation. I am requesting reinvestigation and compliance with the Fair Credit Reporting Act ( FCRA ). 

1. XXXX XXXX XXXX XXXX XXXX  XXXX - Issue : Incorrect late payment reporting.

- Details : I disputed five late payments on this account and requested verification, but no documentation has been provided. Under 15 USC 1681e ( b ), you are required to ensure maximum possible accuracy. Please mail proof of verification or delete these entries immediately. 

2. Unauthorized Hard Inquiries - 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 ) I did not authorize these inquiries. Under 15 USC 1681b, a hard inquiry requires my explicit written consent. Please provide verification or remove these inquiries immediately.

Legal Basis and Request Under 15 USC 1681i, you must reinvestigate disputed information and provide written results. Additionally, under 15 USC 1681e ( b ), you must ensure the accuracy of the reported information.

I request : 1. Reinvestigation of the disputed items above.

2. Written documentation of findings and updates to my credit report.

3. Removal of unverifiable or inaccurate information.

Thank you for your immediate 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 explanation
Consumer complaint received 2025-01-25 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 am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive reported as inaccurate : ( XXXX XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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 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 ( 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 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 Experian 's 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 2025-01-25 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:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

US DEPARTMENT OF EDU - {$3800.00} XXXX DEPARTMENT OF EDU - {$4900.00} US DEPARTMENT OF EDU - {$2200.00} US DEPARTMENT OF EDU - {$2300.00}

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