vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been attempting to close a Truist checking account since early XXXX. Despite repeated and explicit requests to close the account, Truist has failed to do so and has instead allowed the account to remain open, dormant, and assessed fees tied solely to that dormancy. 
On multiple occasions, Truist representatives contacted me stating the account was overdrawn due to dormancy fees. Each time, they acknowledged the issue, refunded the fees, and represented that the account closure process had been initiated. Two examples include service charge refunds on XX/XX/2025 and XX/XX/2025 in the amount of {$24.00} each. Despite these acknowledgments, the account was never closed. 
In XXXX, I again made it clear that I wanted the account closed and that this was not a new request. My complaint was forwarded to Truists escalations department, where resolution stopped entirely. 
The assigned representative, XXXX XXXX, falsely stated that I had never requested account closure and selectively cited certain phone calls as evidence while ignoring other calls and the transaction history that clearly reflects repeated closure attempts. When I requested to speak with a manager, she refused and declined to provide any escalation contact information. She offered no resolution other than instructing me to visit a branch to correct Truists failures. 
I find these practices unacceptable and frankly disgusting. Keeping an account open against a customers repeated instructions, charging fees tied to that failure, and then denying the documented history of closure attempts reflects a serious disregard for consumers and basic banking obligations. 
I am requesting regulatory assistance to ensure the following corrective actions occur immediately. 
Requested resolution : Refund all improperly assessed fees in full Close the account immediately and permanently Cease all further contact regarding this account This issue should have been resolved months ago. Truist has been given repeated opportunities to correct it and has failed each time.

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 monetary relief
Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: PR

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-29 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: TX

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 theXXXX 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 2025-12-29 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: VA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Balance : {$3700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2800.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$11000.00} UNAUTHORIZED, XXXX, XX/XX/XXXX, Balance : {$2100.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, Balance : {$2900.00XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$16000.00} 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
This is my 4th complaint and I have yet to receive any return of my funds, call, letter or any communication from Morgan Stanley Private Bank regarding the return of my money. I deposited on XX/XX/XXXX ( IRA withdrawal {$59000.00} from XXXX ) and XXXX XXXX ( {$100.00} cashier 's check ) into my checking account XXXX. I noted page XXXX of the Morgan Stanley Private Bank Deposit Agreement. Morgan Stanley Private Bank withdrew the funds from these closed accounts on XX/XX/XXXX. On XX/XX/XXXX, I called to get the check number and information on funds that should be sent to me, The Morgan Stanley Private Bank Account Activation Agent said my account was closed because XXXX  recalled funds deposited into my account and I need to call them. This was not true. 

I called XXXX this morning XX/XX/XXXX and they advised check XXXX dated XX/XX/XXXX cleared their bank on XX/XX/XXXX. The check was verified on XX/XX/XXXX and they are not involved at this point. 
I called Morgan Stanley Private Bank immediately after I hung up the phone with XXXX and spoke with XXXX. XXXX told me he submitted a research request with number XXXX filed today XX/XX/XXXX to find out where the withdrawn funds are located. This request will take XXXX to XXXX business days to process. Call back by XXXX  XX/XX/XXXX to find out where your money is located and what you need to do to get it back. 
On page XXXX of The Morgan Stanley Deposit Agreement they will return funds on closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is in regards to complaint XXXX The company had not actually done anything at all to help resolve the issue as no additional credit or refund was given

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 2025-12-29 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: TX

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-12-29 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: IL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: MO

Complaint narrative:
I have no responsibility for these accounts and insist on removal within 15 days pursuant to USC 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 2025-12-29 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 dispute certain items on my credit report. The items in question are either inaccurate or incomplete and are adversely affecting my credit score. As per the Fair Credit Reporting Act ( FCRA ), I request that these discrepancies be investigated and removed from my credit report. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$420.00} Late Payment Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Number : XXXXXXXX XXXX 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 2025-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: American Financial Resources, Inc.
State: IN

Complaint narrative:
AFR and eLend work as one. They have been sued over data breaches. They have sold my account again with XXXX notice of the transfer and I get email form XXXX XXXX XXXX  saying they are now servicing my loan. I actually blocked the email because I figured it was a scam. I was never sent a XXXX letter. Nothing from AFR or eLend that this was going to happen or that it did transfer. XXXX COMMUNUCATIONS from AFR or XXXX. 

This company financed my home and have streamline the last one in XXXX or XXXX of XXXX When I spoke with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The last loan got transferred from AFR to XXXX XXXX  whom had it less then a year and then XXXX and then AFR handled the payments, and now without any notice transferred to XXXX XXXX XXXX. I wrote to XXXX XXXX in XXXX about the complaint that nothing was sent to me about the transfer to XXXX XXXX XXXX. His response was not to reply. To date NOTHING from AFR

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Attempted to set up an ACH transfer between my USAA checking account and an external bank. 

The external bank account had been marked dormant and subsequently refused the transaction. 

I corrected the problem at the receiving bank, but was unable to remove, modify, or re-add the account on the USAA website. 

On XXXX XX/XX/year> I called USAA and was transferred to " XXXX '' in their " Resolutions Team '' who opened up a ticket with their internal IT support XXXX. I was told that the problem was " high priority '' and would be resolved within " XXXX to XXXX business days ''. Total phone time was XXXX hour and XXXX minutes. 

After several weeks passed without any contact from USAA, I called them again on XXXX XX/XX/year>. " XXXX '' with their " XXXX XXXX '' informed me that my previous IT support ticket had not yet been assigned to anyone, and attempted to find someone to work on it. He told me that steps had been taken on my account and advised me to wait XXXX hours and attempt to re-add the external account. Total phone time was XXXX hour and XXXX minutes. 

On XXXX XX/XX/year> I logged in again after waiting XXXX hours, and no change had been made. At that time I called their support line. I was connected to " XXXX '' who disconnected. A second call and subsequent wait and I reached " XXXX '' who transferred me to " XXXX '' with the " XXXX XXXX ''. During that call it became apparent that nothing had been done with my ticket. It was explained to me that the problem was being worked and that I would be contacted. Total phone time was XXXX hours and XXXX minutes. 

After 17 days of not being contacted, on XXXX XX/XX/year> I contacted USAA support via their online chat feature. " XXXX '' revealed to me that the IT ticket had been mis-routed, was with the " Bank IT Payments Connected Accounts Prod '' team when it needed to be with the " Bank IT Troubleshooters '' team. Total time spent on chat was XXXX hours XXXX minutes. 

After XXXX more days of not being contacted, on XXXX XX/XX/year> I contacted USAA support via their chat feature. " XXXX '' stated " They informed me they had escalated it to another team, and that team did not handle it on their end. '' No other progress had been made. Total time spent on chat was XXXX hour XXXX minutes. 

Frustrated, I contacted USAA via phone again on XXXX XX/XX/year>. Speaking with " XXXX '' on their " XXXX XXXX '' he stated that the people working the ticket were complaining that there was not sufficient information available to work the problem. Total phone time was XXXX minutes. 

Almost XXXX hours of phone and chat time over the course of 2 months and I am no nearer solving this than I was when initially reporting the problem.

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 2025-12-29 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-12-29 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief