vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: EnTrust Funding
State: TX

Complaint narrative:
The worst company ever, ENTRUSTED is not to be TRUSTED. XXXX XXXX and XXXX XXXX are scams and cons. They will feed you a story about how they need to open your walls and spray this antimicrobial chemical to dry up where your home is leaking. 

Well guess what when XXXX came, he didn't find a leak and when their techs came, they didn't look for a leak with all the special machinery that claimed to have. Entrusted left a hole in our kitchen ceiling, never found the issue when the techs came over, oh did I mention the techs NEVER went upstairs, they just started cutting in our kitchen ceiling. 

I asked the tech what they found and they said NOTHING, so why did I pay you XXXX to find nothing and spray some antimicrobial bs that nobody knows what's in it. 

I ended up getting my regular XXXX out who found the issue fixed it in XXXX day and charged half of what XXXX and XXXX scammed on ( XXXX ). 

I spoke with XXXX the XXXX and asked him to come over to our home so he could see the damage and he told me. I WILL NOT BE COMING TO YOUR HOME. What kind of XXXX refuses to come access the situation for themselves. 

And to make matters worse I ask the tech not to leave the vacuum machine because I suffer from migraines well they left it anyways ( that was Friday XX/XX/XXXX ) its 's XX/XX/year> they still have not gotten their machine, XXXX said he would send his special techs sat XX/XX/XXXX to pick up the item, NO ONE showed. I texted him and said I blocked off XXXX to XXXX and waited for your techs to show, guess what he NEVER responded. 

Please stay away from ENTRUSTED they are liars, deceivers, and scammers that care about no one but themselves. There are many bad reviews online that say they were scammed by this company, they even got over on some elderly people. Go see the reviews for yourself before you put YOUR TRUST in ENTRUSTED. 

I will not let them steal my money. I will take legal action, and they will here from us real soon. 

The issue is now fixed, and I will be leaving the new company XXXX stars online. The problem wasn't even on the inside of the home it was on the outside, somewhere they never looked. That's why ENTRUSTED couldn't find the issue. 

My bank is trying to process a claim now to get the money back. They are liars and thieves. Our next move is going through XXXX to get the money back.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-02 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: TN

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-02 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: TN

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am formally disputing the accuracy and legitimacy of the accounts and inquiries listed below. Due to the national data breaches impacting consumer reporting agencies, it is likely that my personal information has been compromised, resulting in mixed-file errors, unverified reporting, or identity misuse. Under the Fair Credit Reporting Act ( FCRA ) 602A, 607 ( b ), and 611, Experian is required to maintain the maximum possible accuracy of all consumer information, conduct a reasonable reinvestigation of any disputed items, remove or block any data that can not be fully verified, and provide documentation proving the original furnisher, the permissible purpose, and the accuracy of each disputed item. 
Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$13000.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$660.00} INQUIRIES : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX These inquiries do not reflect any authorized applications or permissible purpose under FCRA 604. They must be removed immediately.

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 2025-12-02 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following accounts listed on my credit reports. The information provided below represents the accounts in question, separated by each credit bureau. I am seeking the correction or removal of these items due to inaccuracies and potential violations under the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in dispute : Charged Off Accounts XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} Inquiries XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Late Payment XXXX, Account Number : 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 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
" Technical failure preventing access to business records, violating terms '' Under my business XXXX  account, I'm unable to retrieve my XX/XX/XXXX transaction details. I was able to download immediately the XX/XX/XXXX detail. However, when trying for my XX/XX/XXXX details, the website noted there were too many transactions and the detail would be emailed within XXXX minutes. Hours later nothing had arrived. I spoke with XXXX customer service representatives yesterday ( XX/XX/XXXX ) but the issue was not resolved. None of the representatives were able to understand why it was not being emailed. Many of them tried to push it through on their end and asked that I was an hour for it to be received but still nothing. The last representative over the phone told me to wait XXXX hours, which I have done. Still nothing. I'm getting nowhere but I need this detail. I've checked my spam/junk inbox. I've verified my email address. I don't know what else I can do to get this detail but XXXX is not helping. I've asked to escalate this to a manager, which was difficult but I managed to get that representative to open a support ticket. That ticket number is XXXX. However, I don't know what to expect from that. The rep couldn't tell me and I wondered if it was even real.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Karma, LLC
State: GA

Complaint narrative:
Formal Complaint : False Advertising & Deceptive Auto Refinance Offers I am submitting this complaint regarding Credit Karma and The XXXX XXXX ( Autopay, XXXX, XXXX  ), due to what I believe is false advertising, deceptive practices, and misleading refinance offers. 

I attempted to refinance my vehicle through Credit Karma after being shown XXXX auto-refinance offers, each presented as coming from different lenders. Credit Karmas interface made it appear that I qualified for multiple options from multiple companies. 

However, after applying, I discovered the following : All XXXX offers were from the same parent company XXXX XXXX XXXX operating under different brand names ( XXXX, XXXX, XXXX  ), yet Credit Karma advertises them as unrelated lenders. 

Credit Karmas platform misleads users into believing they have several distinct opportunities, which strongly influences the decision to apply. 

None of the advertised offers actually stood after I submitted applications. 

After providing personal information, documents, and spending significant time, I was told the offers did not exist or were no longer valid. 

These offers appear to function as bait, using enticing rates to generate applications, without delivering the terms that Credit Karma advertises. 

This practice results in wasted time, unnecessary sharing of personal information, and exposure to multiple credit inquiries. 

The XXXX XXXX brands contacted me inconsistently or not at all, and in some cases sent automated approval messages with no follow-up or details further suggesting the advertised offers were not real. 

This pattern represents : False advertising Deceptive marketing Misrepresentation of lender diversity Nonexistent offers presented as real approvals Credit Karmas responsibility is to present accurate, transparent, and legitimate offersnot multiple copies of the same company disguised as separate lenders.

I am requesting : A review of Credit Karma 's auto refinance listings, especially how The XXXX XXXX brands are displayed. 

Removal of misleading duplicate offers that appear as different opportunities but are actually from the same entity. 

Accountability from The XXXX XXXX for sending non-existent offers, fake approvals, and failing to provide follow-up after encouraging applications. 

Correction of this deceptive practice so other consumers are not misled or have their time wasted. 

Thank you for reviewing this matter. I look forward to your investigation and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: PA

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-02 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: OH

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following items on my credit report. These items are inaccurate, incomplete, or outdated, and I request that they be thoroughly investigated and corrected. Below are the details for each bureau. 

CHARGED OFF XXXX - XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX  - XXXX, XX/XX/XXXX, Balance : {$8300.00} XXXX - XXXX, XX/XX/XXXX, Balance : {$3900.00} XXXXXXXX XXXX XXXX  - XXXX, XX/XX/XXXX, Balance : {$6200.00} XXXX XXXX - XXXX, XX/XX/XXXX, Balance : {$4000.00} XXXX - XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - XXXX XXXX XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - XXXX XXXX XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX, Balance : {$940.00} LATE PAYMENTS XXXX - XXXX XXXX  - XXXX XXXX  - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I had hired a contractor to build a bookcase and he required a {$500.00} deposit. He reported it had to be via Zelle. Payment sentXXXX. I tried to get money back XX/XX/XXXX to XX/XX/XXXX until the contractor, XXXX XXXX, changed his phone number. His email addressmay still be active, XXXX. On XX/XX/XXXX, i sent a demand letter and he said he'd send half in the next few days. Hedid not follow through. XXXX XXXX  wont refund me and Zelle, thus far, wont refund me. 

Statement sent to XXXX  : " XXXX XXXX give me a quote for a bookshelf on XX/XX/XXXX. Quoted me {$1300.00}. He requested a deposit of {$500.00} for parts on XX/XX/XXXX which was paid same day. Written contract provided XX/XX/XXXX. On XX/XX/XXXX informed he had to reorder parts as he didnt like the quality of what he got initially. XX/XX/XXXX, still waiting on material. On XX/XX/XXXX I asked for update and he is still waiting on material. By XX/XX/XXXX, I asked for a refund to go with another contractor. He stated hed ask for a refund. Asked for refund again on XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Sent a written demand letter on XX/XX/XXXX asking for refund on within 10 days or would take him to court. On XX/XX/XXXX, he reports he would try to get funds to pay me half. XX/XX/XXXX, I followed up and he reports he still doesn't have money to refund me for lack of completing services. XX/XX/XXXX, he reports no funds available still to refund. As of XX/XX/XXXX, no response. Called XX/XX/XXXX and his phone is disconnected. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CHARLES SCHWAB CORPORATION, THE
State: OH

Complaint narrative:
I am submitting additional information regarding my previously closed complaint, ID XXXX, based on correspondence from my attorney, XXXX XXXX XXXX XXXX XXXX, and further clarification regarding the unauthorized activity in my Schwab accounts. 

Attorney Update : The attorneys letter dated XX/XX/year>, clarifies a factual inaccuracy in Schwabs XX/XX/year>, response : I did not provide my Schwab Login ID or password to the impersonator. 

Access was gained through spoofed Schwab communications.

The only information disclosed was Schwab-generated two-factor authentication ( 2FA ) codes. 

Resolution Summary : The unauthorized access resulted from a phishing scheme exploiting breached data, not voluntary sharing of credentials. Under CFPB guidance on the Electronic Fund Transfer Act ( EFTA ) and Regulation E, transfers made using coerced or socially engineered provision of authentication codes do not constitute customer authorization. While Regulation E primarily applies to deposit accounts, its principles reflect broader expectations for financial institutions, including brokerage accounts.

Schwabs XXXX XXXX explicitly covers losses from unauthorized activity in all accounts, including brokerage accounts. Schwabs claim that we provided credentials ignores coercion and industry vulnerabilities identified in their XX/XX/year>, advisory. Their failure to prevent unauthorized access constitutes a breach of the XXXX XXXX. 

Our original complaint to the OCC ( Case ID XXXX ) was referred to FINRA and the SEC for further investigation due to evidence of brokerage negligence, insufficient fraud-prevention protocols, and supervisory failures, underscoring the seriousness and legitimacy of our claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Prosper Marketplace, Inc.
State: OH

Complaint narrative:
I asked Prosper loan services to delete my personal data, one of the reasons being that they recently had a security breach where client data was stolen and have thus proven they mishandled client data. They refused to do so and said their justification was that I did not live in a state with data privacy protections. There needs to be federal protections for people against incompetent and ruthless companies such as these that exploit people but using their data for profit. Im not even an official client of theirs but they are still using my data for profit which is unethical and predatory.

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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX, I visited the Truist website and started an application for a checking account. I entered some basic personal information, but I did NOT complete the application, and no account was opened. It was simply an abandoned attempt. 

About a month later, still before the XX/XX/XXXX promotional deadline for the {$400.00} checking account bonus, I completed a full application properly and opened my current account. I deposited the required funds, activated the account, and met all the stated conditions of the promotional offer. 

However, when I contacted Truist customer support to ask about the status of the {$400.00} bonus, I was told that just by entering my personal information during my incomplete attempt in XXXX the application was finished or notI was automatically disqualified from the bonus. This was never stated in the promotional terms, nor communicated anywhere on their website or during the account-opening process. 

Truist is denying the bonus based on an abandoned application that never resulted in an account, while refusing to acknowledge the valid account I opened before the deadline and fully funded according to the rules. I find this misleading, deceptive, and unfair to consumers. An account should only be considered opened once it is fully completed, assigned account/routing numbers, or funded with the required minimum deposit. 

I contacted customer support multiple times, but they provided no real solution and insisted on this undisclosed rule. As a result, despite meeting the actual requirements of the offer, Truist refuses to honor the bonus. 

I believe this is a clear case of deceptive advertising and unfair business practices, and I request that the CFPB review 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