vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
What happened? ( Complaint Summary ) : On XX/XX/year>, XXXX and XXXX XXXX, a married couple and both minoritieswalked into the Truist Bank branch located at XXXX XXXX XXXX XXXX in XXXX, NJ, to reopen a joint account and open a personal checking account for XXXX. We expected to be helped, but instead were met with dismissiveness, confusion, and deeply distressing treatment. 

The representative, XXXX, called someone over the phone regarding XXXX past balance. After confirming the balance and having him pay it in full, she still told us there would be no way to ever open an account with Truist again. Then she contradicted herself and said, Let me see what I can do. Come back on Monday and look out for a call from me then. She added, I can not guarantee I can get your account open. 

We were confused and hurt. It didnt make sensewhy would we have to wait until Monday when it was only Wednesday and the balance had been paid in full? This felt like we were being given the runaround. We left the branch feeling dismissed, unwanted, and judged. 

Today is now XXXX XX/XX/year>, and we never received a call. Its clear that XXXX had no intention of assisting us. She simply wanted us to leave. As minorities, we felt profiled and treated unfairlylike we didnt belong or werent worthy of being served equally. 

We were fully eligible to proceed and felt this response was unjustified, unprofessional, and discriminatory. We felt we were being unfairly scrutinized and judged despite complying with all requirements. This caused us unnecessary stress and left us feeling dismissed. 

To resolve the matter, we drove to another Truist location that very same XXXX XXXX XXXX XXXX, XXXX, NJ XXXX we were treated with respect and professionalism. The representative there, XXXX XXXX, verified the payment and assisted us in opening both accounts with no issue. XXXX even expressed confusion about why XXXX refused to help us, stating that once a balance is paid and verified, customers are typically good to proceed. That branch was more diverse, welcoming, and inclusive, XXXX... 

This entire experience was humiliating and emotionally damaging. As long-time Truist ( formerly XXXX & XXXX ) customers, we have never felt so dismissed or disrespected by a financial institution. It left a lasting emotional impact on both of us, and we strongly believe the treatment we received at the XXXX XXXX branch was rooted in discrimination. 

We are concerned that the treatment we received at the XXXX XXXX branch was influenced by bias and may constitute discrimination under the Equal Credit Opportunity Act. We ask that Truist be held accountable and that steps be taken to ensure fair treatment of all customers.

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 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Some guy reached out to me from a group on XXXX, he was selling me a gpu, a 4090 and he told me that after he gets the tracking number Ill pay him XXXX first and XXXX after I received the item. The guy didnt send no 4090, he sent me a chip and other expired goods that are trash. His name is XXXX  XXXX XXXX and hes a scammer. I got his socials and I think his id aswell.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: FL

Complaint narrative:
Under the Fair Debt Collection Practices Act it is my understanding that a creditor has XXXX  days from point of first contact to send a dunning letter stating they own the debt and have the right to collect on the debt. I was never aware of any debt to XXXX XXXX XXXX and have never been contacted by American Profit Recovery ( " APR '' ). I am of the opinion that APR is in clear violation of my rights and I am requesting immediate removal of this erroneous debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-06 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: NJ

Complaint narrative:
I am filing a complaint against the Consumer Financial Protection Bureau ( CFPB ) for failing to enforce multiple provisions of the Fair Credit Reporting Act ( FCRA ) in my ongoing dispute with Equifax. Despite prior formal disputes submitted by my authorized representative, Equifax continues to report unauthorized and fraudulent items on my credit report, including identity theft-related accounts and inquiries that lack any proof of permissible purpose. 

Specifically, I am disputing the following : A fraudulent account reported by XXXX XXXX XXXX, which was the result of identity theft. I submitted an identity theft affidavit, and Equifax has failed to remove the account despite being unable to produce any signed documentation or verification supporting its accuracy. XXXX XXXX XXXX XXXX XXXX - I dispute this fraudulent account on my credit report. It resulted from identity theft and I've filed an identity theft affidavit. This unauthorized account must be removed immediately to correct inaccuracies and safeguard my credit. 

XXXX unauthorized credit inquiries that were never initiated or approved by me : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Under FCRA Section 611 ( 15 U.S.C. 1681i ), Equifax is required to perform a reasonable reinvestigation of disputed information. Under Section 604 ( 15 U.S.C. 1681b ), no credit inquiry may be retained without permissible purpose and authorization. And Section 609 ( 15 U.S.C. 1681g ) entitles me to receive the method of verification and documentation used to support any continued reporting.

Despite these legal requirements, Equifax has : Failed to provide copies of any applications, authorizations, or inquiry consents bearing my signature Failed to provide contact information for the individuals or furnishers responsible for verifying these items Ignored case law such as XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), and XXXX XXXX Experian ( XXXX ), which state that furnishers responses alone are not enough and that continued reporting of unverifiable or fraudulent items violates the FCRA Equifaxs refusal to delete these entries despite the absence of proper verification is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-06 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: TN

Complaint narrative:
Subject : Formal Complaint Fraudulent Account Reported by XXXX XXXX XXXX XXXX Account # XXXX ) To Whom It May Concern, I am filing a formal complaint regarding a fraudulent account being reported by XXXX XXXX XXXX ( Account # XXXX ), which continues to damage my credit profile despite multiple disputes I have filed with the credit reporting agencies. 

This account is not mine. I never opened any account with XXXX XXXX XXXX, never signed any contract, and never provided them with my Social Security number or authorization to collect a debt on my behalf. This account is fraudulent and can not be legally verified, yet it repeatedly comes back as verified by the credit bureaus with no valid evidence or documentation. 

Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1679c, I have the right to dispute and demand the deletion of inaccurate or unverifiable information on my credit report. Despite exercising these rights multiple times, this account remainsnegatively impacting my creditworthiness, job opportunities, and peace of mind. 

I request that the Consumer Financial Protection Bureau take the following actions : Investigate XXXX XXXX XXXX and the reporting credit bureaus for failing to properly investigate my disputes in accordance with federal law. 

Ensure the immediate and permanent deletion of Account # XXXX from all of my credit reports. 

Prevent further reporting or reappearance of this unauthorized account unless valid, signed proof is providedproof which I know does not exist. 

I have attached relevant documentation, including prior dispute letters and any responses I have received. I would appreciate your prompt attention to this matter, as it continues to cause me undue harm. 

Please confirm receipt of this complaint and notify me of the actions taken in response. 

Thank you for your assistance.

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 2025-05-06 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: TN

Complaint narrative:
Subject : Formal Complaint Fraudulent Account Reported by XXXX XXXX XXXX XXXX Account # XXXX ) To Whom It May Concern, I am filing a formal complaint regarding a fraudulent account being reported by XXXX XXXX XXXX ( Account # XXXX ), which continues to damage my credit profile despite multiple disputes I have filed with the credit reporting agencies. 

This account is not mine. I never opened any account with XXXX XXXX XXXX, never signed any contract, and never provided them with my Social Security number or authorization to collect a debt on my behalf. This account is fraudulent and can not be legally verified, yet it repeatedly comes back as verified by the credit bureaus with no valid evidence or documentation. 

Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1679c, I have the right to dispute and demand the deletion of inaccurate or unverifiable information on my credit report. Despite exercising these rights multiple times, this account remainsnegatively impacting my creditworthiness, job opportunities, and peace of mind. 

I request that the Consumer Financial Protection Bureau take the following actions : Investigate XXXX XXXX XXXX and the reporting credit bureaus for failing to properly investigate my disputes in accordance with federal law. 

Ensure the immediate and permanent deletion of Account # XXXX from all of my credit reports. 

Prevent further reporting or reappearance of this unauthorized account unless valid, signed proof is providedproof which I know does not exist. 

I have attached relevant documentation, including prior dispute letters and any responses I have received. I would appreciate your prompt attention to this matter, as it continues to cause me undue harm. 

Please confirm receipt of this complaint and notify me of the actions taken in response. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA

Complaint narrative:
I started a debt consolidation for a private student loan with XXXX XXXX XXXX, the last payment of the loan was on XX/XX/XXXX. The total amount of loan with principal and interest is now XXXX. The loan was opened on XX/XX/XXXX for XXXX. The total amount paid by me on the loan with interest was XXXX and principal of XXXX, totaling a payment of XXXX. On XX/XX/XXXX the loan went into default, per guidance of my debt consolidation. The loan was then written off and sold to another company. I only received a default notice from XXXX XXXX XXXX, but no documentation or transfer agreement of the loan being sold to XXXXXXXX XXXX XXXX. XXXX XXXX XXXX could not give me any type of documentation of who they sold the loan to. I looked on my credit report, last reported on XX/XX/XXXX that the payment status is " in collections/charge off '' as a " profit and loss write off '' The account was closed on XX/XX/XXXX. Again, I do not have any information where this loan now is, through numerous phone calls I had to find out that it is through XXXXXXXX XXXX XXXX. I called XXXXXXXX XXXX XXXX on XX/XX/XXXX and asked for documentation on the transfer agreement and process. I asked for any information regarding the debt and they refused to give me any information including my account number. They told me to call my debt consolidation ( XXXX XXXX ). I called XXXX XXXX after and they also told me they did not receive any type of documentation about this debt and when it was sold and transferred. I never received anything in the mail or electronically regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
i MADE A SIGNIFICANT WESTERN UNION REMITTANCE TO A IN NEED FAMILY MEMBER BANK ACCOUNT IN XXXX. I WAS NOTIFIED BY XXXX THAT THE TRANSACTION WAS NOT RECEIVED BY THE RECEIVER BANK AND THAT THE MONEY WOULD BE CREDITED BACK TO THE SAME ACCOUNT FROM WHICH THE MONEY WAS DRAWN. THE XXXX REPORT ALSO STATED IT MAY TAKE A FEW DAYS FOR THE DEPOSIT TO BE AVAILABLE AT THE SENDER BANK. ( MY BANK ) I WAITED FOR MORE THAN XXXX WEEKS FOR THE MONEY TO SHOW UP IN MY ACCOUNT. IT IS GOING ON XXXX MONTHS NOW AND XXXX IS NOT COMMUNICATING TO BE ON THE STATUS EXCEPT TO GIVE ME A CLAIM NUMBER. WHEN I CALL FOR AN UPDATE, THE AGENT REFERS TO THE CLAIM NUMBER BUT HAD NO ACCESS TO ANYONE WHO CAN PROVIDE GUIDANCE. NO CONTACT IS AVAILABLE OTHER THAN THE PERSON WHO ANSWERS THE CALL AND THEY HAVE NO INFORMATION TO PROVIDE AND WILL DISCONNECT THE PHONE UNDER THE GUISE THEY TRANSFERRING THE CLL TO THEIR SUPERVISOR

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-05-06 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: MS

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I transferred over XXXX payments from my boyfriends XXXX XXXX  to go onto my Huntington Checking account. However, it was not made available to me. I reached out to Huntington and they said it was pending and would be available the next day which was then was XXXX days later. The only thing I seen was my transfers were pending and then I seen XXXX transfer made available then disappeared yesterday which would have been XXXX  days later. Now its the next day and I have not got my funds! And they keep giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to once again and formally dispute the accuracy and continued reporting of three XXXX XXXX accounts on my credit report that are currently being reported as having late payments. These entries are inaccurate and misleading, and their continued reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. 
Please note that the collections versions of these same accounts have already been removed from my credit report, yet the original accounts are still being reported with derogatory payment history. This inconsistency is unjustified and calls into question the accuracy and integrity of the data being reported. 
I pulled a copy of my consumer report and notified your agency multiple times about some items I disputed. Care was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to your agency which included a Federal Trade Commission ( FTC ) Identity Theft Report as well as I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ).

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 2025-05-06 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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