vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: CL Holdings LLC
State: MI

Complaint narrative:
I have filed a dispute with XXXX  over this account two or three times. They very quickly turn it around and reverify it and then the clock starts all over again with this debt buyer. The last time I disputed this account which was on XX/XX/year>2025 I asked in the dispute for the original contract and a signature from me on a contract I got none of this they turned around updated it and the date started all over again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was a victim of a natural disaster and a fradulent fishing scheme pretending to help. 

I called my bank Truist to inform them of this- I asked for a hardship program which gave me two months of no payments. I called back to confirm this was done, as I always confirm. ( double confirm ). 

Today, I received past due notices urging me to pay- I called the bank and spoke with a woman in collections who as typical collections was asking me when I can pay. 

I explained to her that I am on a hardship ; yet, she pushed for me to pay- my payment is due on XX/XX/XXXX!!!!!!! And the payment amount is larger than what I paid before the hardship in XXXX. I am very upset with Truist as they are rude and attempted to take the payment out last month even when I did not have a payment due!!!! I am getting past due notices when I don't have a paymebt due!!!! The lady on the phone put me on a long hold to " fix the status ''. Shame on Truist! I hope they did not report this to the credit bureaus as I have good credit. I just hung up with the lady and feel deflated. What kind of help was this???? I am very upset! Please help! @

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 2025-05-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I purchased an XXXX  XXXX XXXX XXXX subscription through XXXX on [ insert purchase date ]. The product page included a route map that clearly showed XXXX ( XXXX ) and its connection to XXXX XXXX ( XXXX ), implying availability of these routes. However, after activation, I discovered that XXXX routes were completely unavailable for booking. Additionally, other routes like XXXX to XXXX were blocked or marked as ineligible. 

XXXX denied a refund, stating the product is non-refundable. I filed a dispute with Bank of America and received a temporary credit, but Im concerned that this may be reversed. The product was materially misrepresented, and I was not informed before purchase that key advertised routes would be unavailable. 

I attempted to provide additional evidence to Bank of America, including screenshots and comparisons, but was told the dispute process was closed. This product was effectively unusable and not as advertised. 

I followed all stated booking guidelines : I attempted to book within the eligible month, more than 14 days in advance, and only on routes clearly shown in the promotional materials. Despite this, the system showed no availability or disqualified the routes, proving the product was non-functional. 

XXXX XXXX bookings must be made at least 14 days before departure and can be reserved up to 90 days in advance. Credits are issued monthly and must be redeemed before the next credit cycle begins. Most flights are included at a {$0.00} fare, though some may require a premium fare. Travel dates can extend beyond the credit expiration, as long as booking is done in 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 2025-05-09 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: MI

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Had a vehicle loan was making payments on time. Received another loan for a Truck I never received from the auto dealer. Struggled to make both payments after losing my Job. Car was repoed never received the truck ended up stuck with the loan amount and couldnt afford litigation against the auto dealer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$860.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$58.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$2100.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$1300.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XXXX XXXX, XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/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 non-monetary relief
Consumer complaint received 2025-05-09 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: AZ

Complaint narrative:
Experian and Equifax are refusing to remove fraudulent addresses from my credit profile although I am a victim of identity fraud. These addresses are hurting me a lot and causing me issues. I have reported these fraudulent addresses and included my one and only address, please see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
My recent examination of my credit report resulted in XXXX XXXX  since I discovered unverifiable, invalidated, doubtful, and erroneous items that your agency hadn't made sure were accurately reported. I am aware that credit reporting companies are only permitted to report items with a maximum accuracy of 100 %. These accounts are in violation of 15 U.S. Code 1681e ( b ) and 1681i ( 5 ) because they are not reporting information that is entirely truthful. Let me also remind you of your duties as a data furnisher, which are as follows : ( a ) Duty of information furnishers to give accurate information ( 1 ) Prohibition ( A ) Reporting information with real knowledge of mistakes If a person knows or has reason to believe that providing consumer information to a consumer reporting agency would result in

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 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 non-monetary relief
Consumer complaint received 2025-05-09 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-09 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: CL Holdings LLC
State: MD

Complaint narrative:
I am writing to formally dispute a collection account reported by Jefferson Capital Systems ( Account # XXXX, originally from XXXX XXXX XXXX. This account is not mine and is the result of identity theft. 

In XXXX, I was a victim of identity theft, which I have reported to law enforcement. An official police report was filed in relation to the identity theft. The account in question was fraudulently opened without my knowledge or authorization. 

I have already addressed a similar issue with another fraudulent account under XXXX, which has since been acknowledged. I am requesting Jefferson Capital Systems immediately delete this account from all consumer reporting agencies, as it is not a valid debt incurred by me. 

Here are the account details for your reference : Creditor : Jefferson Capital Systems Original Creditor XXXX XXXX XXXX  Account Number : XXXX Original Balance : {$410.00} Current Status : Collection Account ( Reported as past due as of XX/XX/XXXX ) Opened : XX/XX/XXXX Balance Paid Off : 0 % Status Updated : XX/XX/XXXX This fraudulent account is harming my credit and financial well-being. I am requesting the CFPBs assistance in investigating this matter and ensuring Jefferson Capital Systems deletes this account immediately. 

I can provide a copy of the official police report and any additional identity theft documentation as needed. 

Thank you for your time and assistance in resolving this matter quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: Klarna AB
State: MD

Complaint narrative:
I am writing to formally dispute a collection account reported by XXXX XXXX XXXX ( Account # XXXX, originally from Klarna XXXX XXXX. This account is not mine and is the result of identity theft. 

In XXXX, I was a victim of identity theft, which I have reported to law enforcement. An official police report was filed in relation to the identity theft. The account in question was fraudulently opened without my knowledge or authorization. 

I have already addressed a similar issue with another fraudulent account under XXXX, which has since been acknowledged. I am requesting XXXX XXXX XXXX immediately delete this account from all consumer reporting agencies, as it is not a valid debt incurred by me. 

Here are the account details for your reference : Creditor : XXXX XXXX XXXX Original Creditor : Klarna XXXX  Account Number : XXXX Original Balance : {$410.00} Current Status : Collection Account ( Reported as past due as of XX/XX/XXXX ) Opened : XX/XX/XXXX Balance Paid Off : 0 % Status Updated : XX/XX/XXXX This fraudulent account is harming my credit and financial well-being. I am requesting the CFPBs assistance in investigating this matter and ensuring XXXX XXXX XXXX deletes this account immediately. 

I can provide a copy of the official police report and any additional identity theft documentation as needed. 

Thank you for your time and assistance in resolving this matter quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX To Whom It XXXX Concern, BILLING ERROR XX/XX/XXXX I am writing to formally dispute inaccurate information appearing on my credit report. After reviewing my credit file, I discovered incorrect or incomplete payment reporting for the following accounts : XXXX. XXXX XXXXXXXX XXXX Account # XXXX Type : XXXX XXXX XXXX XXXX  : XX/XX/XXXX Issue : Payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are incorrectly reported. These should be updated to reflect XXXX XXXX XXXX with XXXX XXXX Payments. 
XXXX. XXXX XXXXXXXX XXXX Account # XXXX Type : XXXX XXXX XXXX  Mortgage Opened : XX/XX/XXXX Issue : Payment for XX/XX/XXXX is incorrectly reported and should also be updated to reflect Paid On Time with No Late Payments. 
I contacted the creditor ( XXXX ) regarding these discrepancies, and I was advised to file a dispute with your bureau to correct the errors. These payments were made on time and are not delinquent. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to maintain maximum possible accuracy in credit reporting. Continued reporting of inaccurate data or failure to correct errors after being notified is a violation of federal law.

Furthermore, Section 611 of the FCRA grants me the right to dispute any information I believe to be inaccurate. You are obligated to conduct a reinvestigation within 30 days of receipt of this letter, notify the furnisher of the dispute, and correct or delete any information that is found to be inaccurate or can not be verified. 
Please correct the payment history for the accounts listed above to reflect that these payments were made on time and remove any late notations associated with these dates. 

I request written confirmation once the reinvestigation has been completed and the corrections have been applied. 
Thank you for your immediate attention to this matter. Sincerely, 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 2025-05-09 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX To Whom It XXXX Concern, BILLING ERROR XX/XX/XXXX I am writing to formally dispute inaccurate information appearing on my credit report. After reviewing my credit file, I discovered incorrect or incomplete payment reporting for the following accounts : XXXX. XXXX XXXXXXXX XXXX Account # XXXX Type : XXXX XXXX XXXX XXXX  : XX/XX/XXXX Issue : Payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are incorrectly reported. These should be updated to reflect XXXX XXXX XXXX with XXXX XXXX Payments. 
XXXX. XXXX XXXXXXXX XXXX Account # XXXX Type : XXXX XXXX XXXX  Mortgage Opened : XX/XX/XXXX Issue : Payment for XX/XX/XXXX is incorrectly reported and should also be updated to reflect Paid On Time with No Late Payments. 
I contacted the creditor ( XXXX ) regarding these discrepancies, and I was advised to file a dispute with your bureau to correct the errors. These payments were made on time and are not delinquent. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to maintain maximum possible accuracy in credit reporting. Continued reporting of inaccurate data or failure to correct errors after being notified is a violation of federal law.

Furthermore, Section 611 of the FCRA grants me the right to dispute any information I believe to be inaccurate. You are obligated to conduct a reinvestigation within 30 days of receipt of this letter, notify the furnisher of the dispute, and correct or delete any information that is found to be inaccurate or can not be verified. 
Please correct the payment history for the accounts listed above to reflect that these payments were made on time and remove any late notations associated with these dates. 

I request written confirmation once the reinvestigation has been completed and the corrections have been applied. 
Thank you for your immediate attention to this matter. Sincerely, 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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi Bank claim number XXXX I held a business account with XXXX sold a semi truck and the buyer sent me a wire from his Citi bank account. My XXXX acct was closed with the wire funds of {$62000.00} a hold harmless was later done. I am requesting funds be sent to me as this has caused severe hardship. I am unable to pay any bills since. I was evicted. And the semi truck I sold is also gone so I have no money or no product. I obtained an attorney who should be reaching out. I have contact XXXX via CFPB and was given the response below. I am now urging citi bank to release funds in full being that their customer has the semi truck that I sold him and I have gotten no funds. Please this is my livelihood. 

Thank you for expressing your concerns to the Consumer Financial Protection Bureau. We appreciate you allowing us the opportunity to research this matter. We completed our review, and the details of our response are below. Your account was closed with a remaining balance of {$62000.00}, and these funds were placed in suspense on XX/XX/year>2024. We confirmed your business account ending in XXXX was subject to review, because you received a wire transfer on XX/XX/year>2024, for {$62000.00}, and Citibank recalled these funds. Citibank sent us a Hold Harmless Letter ( HHL ) on XX/XX/year>2024, under their claim number XXXX. Upon receiving the XXXX, we decided to return the {$62000.00} back to Citibank on XX/XX/year>2024. We are not in possession of these funds. We kindly recommend that you pursue this matter directly with Citibank

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EXPERIAN in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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