vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX X {$900.00} unauthorized charges to my debit card account. Truist Bank Placed on XXXX XXXX XXXX  Posted on my account XXXX, XXXX Letter from Truist bank states that after their investigation, charges are valid. 
They are now changing my account {$1800.00} I have been to my bank several time to rectify this problem with no results. 
Truist Bank Case Number XXXX Merchant Name XXXX i have sent letters to XXXX reference number XXXX. 
Also had police report made with 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 monetary relief
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I am a victim of identity theft. My credit reports show several closed negative accounts that I did not open or authorize, in violation of the Fair Credit Reporting Act ( FCRA ). These fraudulent accounts include XXXX XXXX  clothing account, TransUnion : XXXXXXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX clothing account, Equifax : XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX credit card, Experian : XXXXXXXX XXXX XXXX Equifax : XXXXXXXX XXXX XXXX 

XXXXXXXX XXXX XXXX credit card, Equifax : XXXXXXXX XXXX XXXX XXXX XXXX 

XXXX XXXX  credit card, TransUnion : XXXXXXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX, Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  I am attaching my FTC identity theft report, my identification, and copies of my credit reports as supporting documentation. I request that, pursuant to the FCRA ( including sections 605B and 623 ), these fraudulent accounts be permanently blocked and removed from all of my credit reports and that the furnishers stop reporting any inaccurate information related to this 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 non-monetary relief
Consumer complaint received 2025-11-28 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 a victim of identity theft. My credit reports show several closed negative accounts that I did not open or authorize, in violation of the Fair Credit Reporting Act ( FCRA ). These fraudulent accounts include XXXX XXXX  clothing account, TransUnion : XXXXXXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX clothing account, Equifax : XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX credit card, Experian : XXXXXXXX XXXX XXXX Equifax : XXXXXXXX XXXX XXXX 

XXXXXXXX XXXX XXXX credit card, Equifax : XXXXXXXX XXXX XXXX XXXX XXXX 

XXXX XXXX  credit card, TransUnion : XXXXXXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX, Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  I am attaching my FTC identity theft report, my identification, and copies of my credit reports as supporting documentation. I request that, pursuant to the FCRA ( including sections 605B and 623 ), these fraudulent accounts be permanently blocked and removed from all of my credit reports and that the furnishers stop reporting any inaccurate information related to this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: UT

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 non-monetary relief
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
I regularly monitor my credit report because my credit score is extremely important to me, yet I keep seeing inaccurate and false information appearing over and over again. This has been a recurring problem that still hasnt been resolved, no matter how many times Ive raised the issue. It has become stressful, exhausting, and is unfairly damaging both my life and my credit score.

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 2025-11-28 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: IL

Complaint narrative:
I did not authorize the listed inquiries, and they appear improper. Please investigate this matter and take corrective action. Attached are documents to assist your review.

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 2025-11-28 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: SC

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

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 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 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XXXX purchased XXXX XXXX XXXX for the XX/XX/XXXX concert XXXX for {$750.00} due the medical reasons I was not able to attend the XX/XX/XXXX concert. had to attend a different concert on XX/XX/XXXX I filed a dispute with Chase to get that money back from XXXX because I did not use of tickets and I wanted my money back at first Chase approved. The claim that later denied the claim saying that the purchase was valid that triggered an overdraft in my account of over {$800.00}. I had new evidence to submit to reopen the claim again, but Chase refused to do that leaving my account overdrawn {$810.00}. I was due to get my VA XXXX payment on XX/XX/year>. I learned that Chase has decided to close my account and not tell me why Leaving my payment in limbo. Im now being told that they had to take the {$810.00} out of my VA XXXX payment and theyre still gon na close my account. I believe Chase is the reason why my account is overdrawn and they refuse to work with me to get this resolved. I paid for concert tickets that I didnt use and Chase refuses to help me instead theyre gon na close my account and delay my money even further Im a XXXX veteran that relies on that money to pay rent and pay bills and now its being delayed and theyre taking {$800.00} which is almost the third of my check. I dont believe Bank should have the power to overdraft people. I just want them to re-file the claim and you get the money back for something that I didnt use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMW Financial Services NA, LLC
State: OK

Complaint narrative:
I recently received a communication stating that I have an outstanding balance on my account with BMW Financial Services. However, I am unclear about the specifics of this debt, including its origin, the amount owed, and the details of any transactions that may have led to this balance. I do not recall any recent activity on this account, and I have not received sufficient documentation to verify the legitimacy of the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Placed an order on XX/XX/year> for XXXX clothing items as well as other clothing items from XXXX XXXX ( XXXX ) order # XXXX via PayPal Credit. Received items XX/XX/year> and realized the XXXX items were counterfeit and all other items were too small and sizing was completely off. Returned items on XX/XX/year> via USPS tracking # XXXX which were delivered to the address provided XX/XX/year>. Did not receive any refund as of XX/XX/year> so I contacted XXXX XXXX on XX/XX/year> regarding the refund status as I had given them time to issue a refund. XXXX XXXX responded to my email on XX/XX/year> stating they will begin the refund process once they receive the item. I immediately contacted XXXX XX/XX/year> to the resolution center and opened a claim and a dispute reason requesting a refund .I also informed PayPal XXXX XXXX items were counterfeit. PayPal sided with seller and closed the case stating I didn't make a claim soon enough. I opened another case with PayPal Credit disputing the transaction and again on XX/XX/year>. PayPal credit closed the case in the seller 's favor.

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 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I sold cryptocurrency and they put a hold on it I sold it for cash and they have put a hold on it for longer than a week two times they've done this and they will not let go of it regardless of how much I need money how hungry I am they will not give me my money until they want to give it to me and it's all for security purposes they say what security purposes I can prove that this is me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
SoFi permanently banned me without providing a specific reason or a path to resolution. I am requesting a full explanation and a chance to verify identity and correct any inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My Capital One bank account remains frozen even though the law firm ( XXXX XXXX XXXX, XXXX ) has already sent two release documents ( on XX/XX/year> and XX/XX/year> ). I have attached the written proof from the law firm showing these releases were successfully transmitted and received by Capital One. 

Capital One customer service has provided contradictory information, stating they dont see anything, can not locate the release, and repeatedly push me back to the law firm despite receiving the releases twice. I am now being told to wait an additional 57 days, which is unreasonable and causing financial hardship. 

XXXX XXXX has already acknowledged the levy on their end and stated they are waiting on Capital One to process the release. Capital One has failed to follow through after confirming receipt of the documents. 

I need Capital One to immediately : 1. Acknowledge receipt of both release documents from XXXX XXXX XXXX. 
XXXX. Lift the levy/freeze on my account without further delay. 
XXXX. Provide a written explanation for why my account is still frozen after confirmed receipt of the releases. 

This delay is affecting my ability to access my own funds, pay bills, and care for my child. I need immediate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
I am submitting this statement regarding the repossessions listed on my account. I am attempting to resolve and clear these items. 

The repossessions occurred on the following dates ( please insert exact dates if available ). At the time, I experienced financial hardship, which affected my ability to keep up with the payments. The lender repossessed the vehicle ( s ) and later reported the repossession ( s ) to the credit bureaus..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: AZ

Complaint narrative:
I am submitting this complaint because Experian continues to report a derogatory account for XXXX XXXX ( XXXX XXXX XXXX, XX/XX/year> ) with a balance of {$0.00} XXXX XXXX, which is entirely inaccurate. The account has no outstanding balance, and I have fully satisfied any obligations related to this account. Despite my previous disputes, Experian continues to mark this account incorrectly, and the only responses I have received are generic claims that it was verified, without providing any Method of Verification ( MOV ) or supporting documentation.

Reporting an account inaccurately violates the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1681n and 1681i, which require credit reporting agencies to maintain accurate information and conduct meaningful reinvestigations when an item is disputed. Furnishers are also required under 15 U.S. Code 1681s-2 to report only accurate information, and if a disputed item can not be properly verified within 30 days, it must be removed from the consumers report. The continued presence of this false account has caused financial harm, unnecessary stress, and potential difficulties in accessing credit.

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 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have had autopay with Amex for many years now and I mistakenly scheduled a payment along with the autopay. Reason I did this was that I received a message from Amex wanting to know if I wanted to schedule my payment despite the fact I have had autopay. I am not sure why they would send me that message since they typically do not send a message like that. I believed maybe I needed to update my autopay. Final result is they deducted two payments from my account upwards of {$22000.00}, essentially leaving me with a balance of XXXX. I tried to dispute this as soon as it occurred last week and was advised I needed to wait until payment posted which was today. In the meantime I have been without money in my bank account for a week. Amex finally assisted today and will wire me a partial refund which will arrive in 2-3 business days. I I will be yet another week with no money in my bank and they advised that was all they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Financial Corporation, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Subject : Goodwill requests to remove late payment for account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: WI

Complaint narrative:
I am submitting this correspondence as formal notice disputing the accounts identified. I did not authorize or originate them and claim no association. I respectfully request their removal and examination. Attached are supporting records.

Company response to consumer: Closed with explanation