vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Unauthorized XXXX Transactions and Claim Process Incident Overview On XX/XX/2010, and XXXX, my Truist checking account was accessed without my authorization, resulting in three XXXX transfers of {$2500.00} each. The banks security systems flagged the third transaction as suspicious, and it was reversed. However, the first two transactions were processed, leading to a total of {$5000.00} being debited from my account.

Discovery of Unauthorized Activity I was completely unaware of these fraudulent transfers until around XX/XX/XXXX, when I attempted to access my Truist account online and found myself unable to log in. I visited my local branch office, where I was informed of the XXXX transactions that had occurred. 
Reporting the Fraud I have never used the XXXX transfer service offered by Truist. I immediately notified the bank that I did not authorize these transactions. Subsequently, a claim was filed on my behalf ( XXXX ). 
Bank Response Several days after filing my claim, I received a letter from Truist stating that the {$5000.00} would not be refunded to my checking account. The explanation given was that three login attempts were authenticated using codes sent to my email address. I did not receive or use these codes to authenticate any logins. 
Evidence of Account Compromise It is clear that someone gained access to both my Truist and email login credentials. During a phone call with Truists Fraud Management representative, I inquired about the transaction location. I was told that the transactions originated in XXXXXXXX XXXX while I reside in XXXX XXXXapproximately XXXX miles away, on the opposite side of the XXXX XXXX XXXX  metropolitan area. The drive between these locations is about one hour.

I asked whether the transactions were time-stamped and was informed that they were. To further support my claim, I provided Truists Fraud Management division with copies of my Visa credit card receipts, which demonstrated that I could not have been in XXXX at the time the transactions occurred. 
Law Enforcement Involvement and Ongoing Inquiry I have submitted a report to the XXXX XXXX XXXX  XXXX XXXX XXXX section ( case number XXXX ). Despite frequent inquiries regarding the status of Truists review of my claim, I have only been told that it remains under review, with no further updates provided. A recent inquiry on my behalf by the XXXX XXXX Police detective was met with the same lack of response.

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 2025-10-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I noticed the change app. XXXX. We were a head payment and Wells Fargo took the extra money we had been paying and added to the principle. And so we are no longer ahead payments.

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 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My Truist account was basically drained after receiving a life insurance payout through my phone. Someone put a vpn on my device and stole my information. Im still having issues with my phone as well as multiple issues with fake representatives calling and pretending to be Truist/ XXXX to steal more information and to steal more of my money. Claimed that my payment method wasnt working on false emails that took me a little while to notice because of my sight issues as well as someone getting into all of my accounts and has my account information. I have an XXXX and I will never get another one after this. Had this phone for a month and its hacked in every way you could possibly think. It is ridiculous as a XXXX patient that I have to put up with anyone doing this especially right now.

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 2025-10-13 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: VA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX  ) initiated hard credit inquiries with all XXXX  major credit bureaus ( TransUnion, Experian, and Equifax ) without any permissible purpose or authorization. 

There was no new credit application or consent. My account was already in delinquency and under federally documented XXXX and Section XXXX civil-rights complaints filed with DOJ, XXXX XXXX XXXX CFPB, and FTC. The Experian record was coded XXXX XXXX XXXX XXXX, confirming a portfolio-level access unrelated to any consumer-initiated request. 

In addition, XXXX XXXX furnished false information by marking my account Affected by XXXX XXXX. No XXXX or XXXX declaration applies to me. This false XXXX XXXX reporting code ( XXXX XXXX XXXX ) is misleading and has damaged my credit profile. 

These actions violate FCRA 604 ( a ) ( 3 ) ( no permissible purpose ) and 623 ( a ) ( 1 ) ( inaccurate furnishing ). Because they occurred after protected XXXX and Section XXXX activity, they also constitute retaliation under XXXX XXXX ( a ) and Section XXXX of the XXXX XXXX of XXXX. 

XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX financial assistance through FDIC-insured banking and related federal programs, bringing them within Section XXXX jurisdiction. 

Impact : My credit scores have fallen sharply since XX/XX/XXXX and continue to drop following these unauthorized hard inquiries and false reporting : Experian XXXX XXXX XXXX TransUnion XXXX XXXX Equifax XXXX XXXX The XX/XX/XXXX inquiries triggered an additional decline, compounding earlier losses. This ongoing damage has impaired my ability to obtain credit and maintain favorable terms. 

Requested action : XXXX. Delete or reclassify the XX/XX/XXXX inquiries as soft pulls. 
XXXX. Remove the XXXX XXXX coding. 
XXXX. XXXX XXXX XXXX XXXX to produce documentation of its claimed permissible-purpose for each inquiry.

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 2025-10-12 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: LEXISNEXIS
State: TX

Complaint narrative:
Improper use or report off fraudulent accounts on my file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: OH

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XX/XX/XXXXdata breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent a certified letter to them of a clear violation regarding my personal and financial information was compromised without my authorization this breach is a clear violation of FERPA I requested that they cancel and discharge my student loan debt in full I sent the letter back in XX/XX/year> it should be off by now per the law! and I don t want to hear another 30 to 60 days thanks

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 2025-10-12 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: IN

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am currently reviewing my Experian, Equifax and TransUnion credit report and there is an address reporting on my credit report that is not mine. 
Below is a the address that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX, XXXXXXXX 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 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had borrow {$200.00} from Cash App and I sent XXXX XXXX XXXX on XX/XX/XXXX from Cash App XXXX XXXX sent back {$200.00} on XX/XX/XXXX on Cash App I then paid the loan back in full on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid in full Now Cash App is saying I still owe XXXX  on the XXXX loan I borrowed and paid back in full I then retook out a XXXX loan on XX/XX/XXXX I should not owe XXXX  which includes the XXXX their saying I owe on the XXXX loan I borrowed on XX/XX/XXXX and paid back in full on XX/XX/XXXX I should only owe XXXX  Please tell me where my repayment of XXXX and XXXX are?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Skopos Financial, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, There Was XXXX Unauthorized Inquiries From : ( XXXX XXXX ) XX/XX/year> These Accounts Fall Under The Statue Of Limitations Or Are Misreporting On My Credit Report.

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 2025-10-13 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: AL

Complaint narrative:
This information doesnt match the information I removed from XXXX  and isnt mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: GA

Complaint narrative:
Complaint Summary ( for CFPB portal ) Companies involved : Experian ; Equifax ; TransUnion Product : Credit reporting Issue : Unauthorized inquiries/ Identity theft / Failure to block under FCRA 605B / Failure to provide Method of Verification What happened I am disputing unauthorized hard credit inquiries on my consumer reports and requesting identity-theft protections. I did not apply for credit or authorize these pulls. I sent the bureaus a certified dispute demanding deletion or reclassification to soft, Method of Verification ( MOV ) under FCRA 609 ( a ) and 611, fraud alert under 605A, and identity-theft blocking under 605B. I also requested personal-information cleanup ( Metro 2 Code 112 ) to remove old/incorrect addresses and name variations that contribute to mixed-file issues.

Despite my dispute and supporting documents ( FTC Identity Theft Report and police report ), the disputed inquiries remain and/or the bureaus have not provided proper MOV ( signed authorization or valid e-signature with IP/timestamp ). This violates FCRA 604, 607 ( a ) - ( b ), 609 ( a ), 611, and 605B. 

Disputed hard inquiries ( not authorized by me ) TransUnion XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX OF XXXX XX/XX/year> Equifax XXXX XX/XX/year> XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Identity-theft & mixed-file facts I filed an FTC Identity Theft Report [ FTC Ref # : XXXX ] and a police report [ Case # XXXX XXXX  ].

I requested immediate 605B blocking of any inquiry that can not be tied to my verified identity with competent evidence ( signed authorization or valid e-signature + IP/device logs ). 
I requested fraud alert placement/continuation under 605A.

I requested removal of incorrect identifiers ( old/unauthorized addresses and name variations ) to stop mixed-file propagation. 

Prior notice to companies On [ mailing date ], I sent a consolidated dispute by certified mail to Experian, Equifax, and TransUnion. My package included government ID, proof of address, the FTC report, the police report, highlighted report pages, and a demand for MOV. As of today, the inquiries remain and/or the bureaus did not provide the legally required verification documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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:
Complaint Summary ( for CFPB portal ) Companies involved : Experian ; Equifax ; TransUnion Product : Credit reporting Issue : Unauthorized inquiries/ Identity theft / Failure to block under FCRA 605B / Failure to provide Method of Verification What happened I am disputing unauthorized hard credit inquiries on my consumer reports and requesting identity-theft protections. I did not apply for credit or authorize these pulls. I sent the bureaus a certified dispute demanding deletion or reclassification to soft, Method of Verification ( MOV ) under FCRA 609 ( a ) and 611, fraud alert under 605A, and identity-theft blocking under 605B. I also requested personal-information cleanup ( Metro 2 Code 112 ) to remove old/incorrect addresses and name variations that contribute to mixed-file issues.

Despite my dispute and supporting documents ( FTC Identity Theft Report and police report ), the disputed inquiries remain and/or the bureaus have not provided proper MOV ( signed authorization or valid e-signature with IP/timestamp ). This violates FCRA 604, 607 ( a ) - ( b ), 609 ( a ), 611, and 605B. 

Disputed hard inquiries ( not authorized by me ) TransUnion XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX OF XXXX XX/XX/year> Equifax XXXX XX/XX/year> XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Identity-theft & mixed-file facts I filed an FTC Identity Theft Report [ FTC Ref # : XXXX ] and a police report [ Case # XXXX XXXX  ].

I requested immediate 605B blocking of any inquiry that can not be tied to my verified identity with competent evidence ( signed authorization or valid e-signature + IP/device logs ). 
I requested fraud alert placement/continuation under 605A.

I requested removal of incorrect identifiers ( old/unauthorized addresses and name variations ) to stop mixed-file propagation. 

Prior notice to companies On [ mailing date ], I sent a consolidated dispute by certified mail to Experian, Equifax, and TransUnion. My package included government ID, proof of address, the FTC report, the police report, highlighted report pages, and a demand for MOV. As of today, the inquiries remain and/or the bureaus did not provide the legally required verification documents.

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 2025-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Thrifty Motors Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX. I purchased a vehicle from Thrifty Motors on XX/XX/year>, and they also financed the loan. Immediately after leaving the lot, the vehicle began shaking while driving and the brakes squeaked, making it unsafe to operate. 

I notified the dealership/lender and requested a safe resolution, such as arranging pickup or authorizing repairs at a certified local shop near me. They refused and insisted I drive the unsafe vehicle back to them, even after I stated I do not feel safe operating it in this condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
In reviewing my credit report, I discovered that Santander Consumer USA is reporting an auto loan as both Charged-off and Sold/Purchased by another lender. This is contradictory and inaccurate because a creditor can not legally charge off and sell the same account simultaneously. 

I previously requested validation of the account, including the original signed contract, complete payment history, and documentation showing who currently owns the debt. Santander Consumer USA has not provided any of this information. 

The account was last updated in XXXX, lists a {$0.00} balance, and shows Purchased by another lender, yet it remains on my credit report as a charge-off scheduled to remain until XX/XX/XXXX. Continuing to furnish conflicting and unverifiable information violates the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) and 623 ( a ) ( 1 ) ( A ), which require accurate and verifiable data reporting.

I am disputing the accuracy and completeness of this tradeline and requesting a full reinvestigation and deletion if Santander can not verify ownership and reporting accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested Method of Verification ( MOV ) Certified XXXX trackin # XXXX under FCRA XXXX09 ( a ) ( 1 ) and 611 ( a ) ( 7 ) for three accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ). TransUnion refused to provide MOV and continued reporting. They did not disclose who was contacted or what records were used, and XXXX XXXX is reported with contradictory statuses, violating XXXX XXXX and FCRA 1681e ( b ). This is willful noncompliance. 
see attached Transunion response along with dispute letter fro Willful Noncompliance and Final Deman for failure to verify

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 2025-10-12 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: Nelnet, Inc.
State: FL

Complaint narrative:
On XXXX XXXX2025 I made my first initial payment to Nelnet of {$150.00} that the company never reported to the credit bureau. On XXXX XXXX2025 upon doing my own investigation I found out that XXXX Servicing another student loan company bought my student loans. Upon filing a dispute with XX/XX/XXXX Nelnet and XX/XX/XXXX came to the conclusion and informed that they would not be making any changes to my credit. Upon reaching out to Nelnet about the payment and trying to gather all information they informed that due to reporting any changes at the end of the month and XXXX XXXX buying my student loans on XXXX XXXX2025 they would not be making any changes and to reach out to XXXX XXXX. Upon reaching out to XXXX XXXX they informed that due to the payment not being made to their company they would not report any changes. Upon reaching back out to Nelnet I was informed that a previous representative provided misinformation and that they would be filing a dispute. Upon filing the dispute Nelnet once again informed that they would not be making any changes. Upon the initial dispute with XX/XX/XXXXXX/XX/XXXX and Nelnet they have refused to report my payment to the credit bureau and continuously states that my payment is in limbo every time I reach out to a representative from bouta companies Nelnet and XXXX XXXX. Neither representatives from XXXX XXXX or Nelnet have been helpful due to the constant attitudes and disrespect from not providing misinformation and not wanting to provide resources to be helpful or escalate the issue further to be resolved. I have been going back and forth with both companies and I have to report them due to either party being responsible and not wanting to do their job. Due to the false and misinformed reports that have been reported to the credit bureau my credit is depleting and I have been fighting for months to get this issue resolved with either company.

Company response to consumer: Closed with explanation