vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information currently appearing on my Equifax credit report. 

The account with XXXXXXXX XXXX account number XXXX, is incorrectly reporting a late payment for XX/XX/year>. However, this payment was made on time, in full compliance with the terms of the agreement. 

This misreporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i, which mandates a reasonable reinvestigation when a consumer disputes the accuracy of information ; and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they knowor should reasonably knowto be inaccurate or unverifiable. 

This error is currently having a negative impact on my credit score, my financial reputation, and my ability to obtain fair access to credit. 

The FCRA requires that all information furnished to credit reporting agencies be accurate, complete, and capable of verification. Reporting a late payment without sufficient evidence is a direct violation of this federal law. 

Therefore, I am requesting that Equifax : Conduct a reinvestigation of this account with XXXXXXXX XXXX  ; Remove the inaccurate late payment entry for XX/XX/year> ; and Update the account history to reflect this payment as paid on time. 

Please provide a written confirmation of the investigation results and the corrective actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This account ( joint ownership with XXXX XXXX ) was repeatedly targeted by fraudulent charges. Truist was made aware of these issues on many occasions- in person and over the phone. The account information was stolen and used multiple times to make purchases that were clearly not made by the account owners, evident either by location of the physical card or details of the transaction. This account had a decades long history to review for accuracy of these charges. These fraudulent charges were submitted to Truist 's fraud department and were denied reimbursement. This is despite previous approval for reimbursement for similar activity as well as excessive communication from us as the customer to try to secure the account, which was not effectively secured by the bank and resulted in many fraudulent charges. We also asked for extra security including text message alerts for suspect activity, which was not provided. The Truist claim number is XXXX. We have since closed this account and left Truist as a banking relationship and have not had these issues with our new checking account, further establishing that this was Truist 's fault. A list of the fraudulent charges totaling {$1700.00} can be found below. 
Date Description Amount Ref. Number XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: PA

Complaint narrative:
I'm reaching out regarding an account currently listed on my credit report. Im asking that you please certify that all of the data associated with this account including the account holders identity, payment history, and any related details actually belongs to me.

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 2025-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/year>, I purchased a vehicle from a dealership in New York called planet motorcars. The sales manager ( XXXX XXXX ) ran my credit and arranged financing through Wells Fargo Auto. I later discovered that my signature was forged on multiple documents, including the sales contract and a GAP waiver form. The only document I physically signed with an ink pen is the warranty page I have proof and copies of all these documents, which Ive attached.

The dealership also : Failed to disclose two prior accidents Lied about the mileage Misrepresented the car type on the New York title ( listed as a XXXX  its actually a coupe ) Was operating under a suspended dealer license at the time of sale Later closed down and reopened under a different name, likely to avoid liability Whats worse is Wells Fargos role in this. After repeated attempts to contact them over the last two years, they have refused to properly investigate, and instead appear to be covering up the forged GAP waiver, which they falsely claim I selected I did

not. I never declined GAP insurance. The dealership selected it and forged my signature. Wells Fargo has a well-documented history of fraudulent practices, and this situation fits that same pattern. Im asking the CFPB to take immediate action to investigate this case, hold Wells Fargo and the dealership accountable, and help me rescind the fraudulent contract and remove the lien from the vehicle. This has gone on for far too long, and I am seeking real accountability and a clear resolution.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Formal Dispute of Charge-Off Request for Validation and Securitization Disclosure Dear Bank of America Dispute Department , I am writing to formally dispute a charge-off reported on my credit report under the account number XXXX XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute information on my credit report that I believe to be inaccurate or incomplete. I am requesting that Bank of America provide full validation of the debt, including documentation that supports the charge-off entry and proof that your institution still retains legal ownership of this account. 

Specifically, I request the following : Documentation of securitization, if applicable. If this account has been sold, pooled, or transferred to a trust or third party ( e.g., via securitization ), please provide : The name and contact of the trust or entity that currently owns the debt. 
The date of transfer or sale. 
The chain of title and supporting documents, such as a pooling and servicing agreement ( PSA ). 

A complete accounting history showing how the alleged balance was calculated, including all charges, interest, and fees. 

A copy of the original agreement bearing my signature that authorizes the terms of the alleged debt. 

It is my understanding that once a debt is securitized and sold, the original creditor may no longer hold the legal standing to report or collect on it as an account receivable. Therefore, unless Bank of America can demonstrate that it still owns the debt and has the right to report it, I respectfully request that you remove the charge-off notation from my credit file with all major credit reporting agencies ( XXXX XXXX XXXX XXXX ) . 
Please respond to this request within 30 days, in accordance with the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), if applicable. If no sufficient validation or documentation is provided, I will consider this account to be invalid and request the removal of the charge-off record from my credit reports. 

Thank you for your prompt attention to this matter. Please direct all written responses to the address above.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
When applying for credit the company saying my profile frozen but Experian is saying it isnt so I cant apply for Credit and Im still getting inquiries 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
When applying for credit the company saying my profile frozen but Experian is saying it isnt so I cant apply for Credit and Im still getting inquiries on my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to Equifax is reporting false information. I have circled the items I dispute on the attached copy of my credit report ( XXXX ). 

This item [ for instance : retailer account at XXXX XXXX XXXX XXXXXXXX and the account XXXX is inaccurate and not mine, becauseof identity theft, I am requesting that XXXX XXXX and co, have the item removed or block on my credit report please. 

Enclosed are copies of [ my credit report and any other documents enclosed with a short description, for instance, your record of payments made ] supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete [ or correct ] the disputed item ( XXXX ) as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Their presence on my report is inaccurate and damaging. I have attached all relevant supporting documents and request removal within the 15-day timeframe mandated by 15 U.S.C. 1681g.

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 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I received a payment of {$300.00} on XX/XX/XXXX for a comedy show that I XXXX  at. I transferred that XXXX into my XXXX account standard form on XX/XX/XXXX. I have yet to receive my funds despite XXXX  saying that there is a XXXX day waiting. For standard transactions. Their website on how to file a dispute is inaccurate and doesnt give sufficient information on how to go about retrieving lost funds. It is almost impossible to connect with someone who can assist you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
b'I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking.\n\n\nNEGATIVE ACCOUNTS:\n\n\XXXX XXXX  #XXXX XXXX XXXX- $689.00 TU\nXXXX #XXXX XXXX0 -- XXXX TU\n \n\n\n \nUNAUTHRORIZE INQUIRIES:\n\n \nXXXX\t\XXXXEquifax\nXXXX\t\tXXXX\tEquifax\nXXXXt\t03/01/2025\tEquifax\XXXX XXXX XXXXtXXXX XXXX XXXX XXXX\t03/01/2025\tExperian\nXXXXt\XXXXtEquifax\nXXXXt\XXXXtEquifax\nXXXX\t\tXXXXtTransUnion\nXXXX\tEquifax\nXXXX\tEquifax\nXXXX\tTransUnion\nXXXX\tEquifax\nXXXX XXXX XXXX  85\t\XXXX\tTransUnion'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm reaching out regarding an account currently listed on my credit report. Im asking that you please certify that all of the data associated with this account including the account holders identity, payment history, and any related details actually belongs to me.

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 2025-06-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: RI

Complaint narrative:
XXXX XXXX  and SunTrust Mortgage internal accounts, beginning on XX/XX/XXXX - XX/XX/XXXX. XXXX Bank mishandled XXXX payments stating the mortgage was Transferred to XXXX without my knowledge. I have all original monthly statements giving to me at The SunTrust Bank  located at the XXXX XXXX XXXX XXXX. Neither SunTrust nor XXXX complied to exam or explain where the funds are. In Fact, XXXX Sold " Assumed '' my mortgage, In or around XXXX, XXXX SunTrust handed my Mortgage to an unknown man along with my {$70000.00} down-payment and equity '' from XX/XX/XXXX this mortgage was not underwater or late. Also, The Town of XXXX MA XXXX XXXX including XXXX, XXXX MA XXXX, and the XXXX XXXX XXXX XXXX are paid and up to date! The XXXX XXXX XXXX of Deeds located in XXXX MA shows Forgery and Deed Fraud. I possess all original documents and would appreciate CFPD to allow me to summit all evidence as proof.

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