vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Good morning. 
I am a Truist bank customer. I had an Essential Checking account that I opened back when the bank was Suntrust. I have paid hundreds of dollars in overdraft fees with the bank since they became Truist. I have been on the phone many times with associates since the bank became Truist regarding my problems with paying the overdraft fees. I've had some overdraft fees refunded during this time. 

I wanted to stop the problems with the overdraft fees, so I opened a new Truist One account. I'm on XXXX XXXX, and still self employed, so it's taken me time to get the Essential Checking account closed. 

Today, I was informed by and associate using the Truist Assist form of communication that Truist stopped collecting overdraft fees when the company was created, and all I needed to do was to switch the Essential Checking to the Truist One Account. 

I have NEVER been offered this option before! 
I was told I had to ask for the account to be changed. If I had known that I could do this I would have simply changed the account long ago. I never needed or wanted 2 Checking accounts. I would never have opened the separate Truist One account had I known that switching accounts was available. 

Upon learning this I told the associate I wanted all my overdraft fees refunded from the date That the bank became Truist. Of course he came back with the standard reply of only 2 refunds per rolling 12 months, which I had already been given the last time I spoke to an associate about the fees on the phone. 

I want to know what if anything can be done to help me regarding this. 
I also need to know if I can close the account while this dispute is open. 
It's my great desire to close the account ASAP. 

Thank you for any answers or assistance you can provide regarding this theft by miscommunication or noncommunication by Truist bank. 

Regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NJ

Complaint narrative:
I am submitting this follow-up as my second formal dispute regarding multiple inaccuracies appearing on my Equifax and TransUnion credit reports. After a detailed review of my credit file, I have identified discrepancies involving both my personal identifying information and the reporting of account statuses. These inaccuracies are materially incorrect and require immediate correction under the Fair Credit Reporting Act ( FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ) ). The errors continue to misrepresent my creditworthiness and may negatively impact my ability to access credit under fair and accurate terms. Specific discrepancies include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$540.00}, Multiple incorrect addresses associated with this account, including : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-12-08 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: NJ

Complaint narrative:
I am submitting this follow-up as my second formal dispute regarding multiple inaccuracies appearing on my Equifax and TransUnion credit reports. After a detailed review of my credit file, I have identified discrepancies involving both my personal identifying information and the reporting of account statuses. These inaccuracies are materially incorrect and require immediate correction under the Fair Credit Reporting Act ( FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ) ). The errors continue to misrepresent my creditworthiness and may negatively impact my ability to access credit under fair and accurate terms. Specific discrepancies include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$540.00}, Multiple incorrect addresses associated with this account, including : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I previously submitted a written dispute to MILITARY STAR dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), MILITARY STAR has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since MILITARY STAR did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus.

This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure MILITARY STARs immediate compliance with FCRA requirements. 

MILITARY STAR 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 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Carvana Group, LLC
State: CO

Complaint narrative:
I am reporting an illegal repossession and deceptive sale of an unsafe motor vehicle in violation of the National Traffic and Motor Vehicle Safety Act. 

I purchased a XXXX XXXX XXXX ( VIN XXXX ) from Carvana in XX/XX/XXXX, financed through XXXX. The vehicle was sold with an open unrepaired XXXX safety recall ( XXXX suction jet pump, fire risk ) that was never disclosed to me at the time of sale. I later learned that a second recall ( XXXXXXXX XXXX XXXX XXXX XXXX  ) also applied to the vehicle, and I was never informed of this recall either, despite purchasing and paying for a one-year maintenance warranty with the expectation that all recall and safety notifications would be communicated to me. 

Under federal safety law, it is illegal to sell or deliver a vehicle with an unrepaired safety recall. Once I discovered the open recall, I issued a formal rescission demand to Carvana and XXXX, stating the contract was void due to fraud, nondisclosure of a safety defect, and violation of federal law. 

Despite this, XXXX illegally repossessed the vehicle, continued collection activity, and is reporting the loan and repossession to my credit report. They have refused to remove the account or acknowledge the unlawful sale. I requested, beginning on XX/XX/XXXX and again in my formal rescission letter on XX/XX/XXXX, documentation of the loan, the vehicles recall status at the XX/XX/XXXX sale date, and an explanation for why the car was sold with unrepaired safety recalls and then repossessed on XX/XX/XXXX despite my rescission demand. 

I am requesting FTC intervention for : Illegal repossession Deceptive sale of an unsafe recalled vehicle Failure to disclose multiple safety recalls Failure to honor purchased maintenance/warranty obligations Collections activity on a void contract Deletion of all credit reporting related to the unlawful loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I did not initiate this inquiry and it is inaccurately reported.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2025 Portfolio Recovery Cease and Desist Demand Dear Portfolio Recovery Associates, I, XXXX XXXX, am writing to formally demand that you cease and desist all communication regarding the alleged debt that you have been attempting to collect from me. 

Although I understand that you may believe this debt is valid, I dispute its validity and believe it may be inaccurate or not owed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt and to request that you stop all collection activities until such verification is provided. 

Please consider this letter a formal request for you to : 1. Cease all communication regarding this matter.

2. Provide written verification of the alleged debt, as required by the FDCPA. 

If you continue to attempt to collect this debt without providing verification, I will not hesitate to report your actions to the appropriate regulatory authorities and explore legal remedies. 

Thank you for your immediate attention to this matter. I expect a prompt response confirming the cessation of any further communication. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
I have been trying to create an Affirm account since I turned XXXX, but every time I try, the system tells me that an account already exists using my information. I have never created an account before. 

I have contacted Affirm multiple times over the past XXXX years. Each time, customer service has told me that the issue is due to technical difficulties, but they have never resolved the problem or explained why it continues. I have asked for clarification and for a manual review of my account to verify my identity, but Affirm has not provided any meaningful information or assistance. 

This ongoing issue prevents me from accessing Affirms Buy Now Pay Later services and raises concerns that a duplicate or fraudulent account may exist under my information. I am requesting that Affirms Account Integrity/Verification team manually review my account, remove any incorrect or duplicate profiles, and allow me to create a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I am submitting this follow-up as my fourth formal dispute regarding multiple inaccuracies currently appearing on my credit report. After carefully reviewing my report, I have identified both errors in my personal identifying information and inaccurate account reporting that continue to misrepresent my credit history. Despite prior dispute efforts, these discrepancies have persisted. I am formally requesting that conduct a thorough reinvestigation and update my file to reflect accurate, complete, and verifiable information in accordance with the Fair Credit Reporting Act ( FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ) ). Specific inaccuracies include : XXXX XXXX XXXX XXXX Balance {$0.00} Multiple addresses reported incorrectly : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal name variations reported incorrectly, including XXXX, XXXX, XXXX and XXXX, XXXXXXXX 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 2025-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have a collection on my credit that is incorrect. This is an apartment collection. The amount is wrong. They are asking me to pay {$11000.00} when that is the amount of the full lease. I signed 1 year lease and stayed 8 months. there is no way I owe XXXX my lease was signed XXXX I moved out XX/XX/2021 but the open date says XX/XX/2021 dates are wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
I just want to follow up this complaint regarding inaccurate reporting on my credit report for XXXX accounts. The first account, XXXX XXXX XXXX XXXX XXXX XXXX, is reported with a balance owed of {$0.00}, which I believe is inaccurate. The second account, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is reported with a balance owed of {$1000.00}, a date opened of XX/XX/XXXX, and a last activity date of XX/XX/XXXX, all of which I dispute. These inaccuracies are affecting my credit profile and may impact my ability to obtain credit, loans, or other financial services. I request that the credit reporting agencies thoroughly review these accounts, verify all reported information directly with the creditors, and correct any inaccurate details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: IN

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint against National Credit Adjusters ( NCA ) regarding inaccurate and unverified information they are reporting on my credit file. 
Reason for Complaint National Credit Adjusters is reporting a collection account on my credit report that appears to be inaccurate, incomplete, and not verifiable. I have attempted to resolve this directly with NCA, but they have not provided any proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Specifically : They have not provided a copy of the original contract or evidence that I owe this debt. 

They have not shown proof of their legal right to collect the debt or proof of assignment from the original creditor. 

The information they are reporting appears inaccurate ( dates, balance, ownership of debt, or other details ). 

They continue reporting despite my dispute, which is a violation of FCRA 623.

The reporting is causing harm to my creditworthiness. 

What I Have Requested From NCA I requested : Full debt validation Original signed contract or proof of original consumer agreement Proof of chain of title / assignment Accurate itemization of balance, interest, and fees Verification of the dates of first delinquency A halt to reporting until validation is completed To date, they have not responded adequately or refused to provide verification. 

What I Am Requesting From the CFPB I am requesting that the CFPB : Investigate National Credit Adjusters for failure to comply with validation and reporting requirements. 

Require them to provide full verification, or Remove the account from all credit bureaus if they can not provide legally required documentation. 

Ensure their reporting complies with the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX  has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NJ

Complaint narrative:
I am submitting this fourth follow-up complaint as the verified owner of my credit file to demand immediate CFPB intervention regarding Experian, Equifax, and TransUnions continued reporting of inaccurate, inconsistent, and unverified information in violation of multiple federal laws, including FCPA 807 ( 15 U.S.C. 1692e ), FDCPA 809 ( 15 U.S.C. 1692g ), FCRA 605B ( 15 U.S.C. 1681c-2 ), FCRA 619 ( 15 U.S.C. 1681q ), FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ). Experian continues to report XXXXXXXX XXXX XXXXXXXX with XXXX XXXX XXXX XXXX as the original creditor with a {$1000.00} balance, while TransUnion reports this same account under XXXXXXXX XXXX XXXXXXXX but lists the original creditor as XXXX XXXX XXXX XXXX XXXX, demonstrating clear inconsistency and unreliability. TransUnion additionally lists XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX, Balance : {$12000.00} ), yet no contract, signed agreement, or proof of liability has ever been provided despite multiple validation requests, constituting non-compliance with both FDCPA and FCRA reinvestigation requirements. Furthermore, all three bureaus continue reporting unauthorized, unverified, and impermissible inquiries, including Experians inquiries from XXXX ( XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifaxs inquiries from XXXX ( XX/XX/XXXX and XX/XX/XXXX ) XXXX and TransUnions inquiries by XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX, none of which have been validated or shown to have permissible purpose under FCRA 604. The continued presence of these inconsistent accounts, unverifiable collection balances, and unauthorized inquiriescombined with repeated failure to validate, remove themconfirms that prior reinvestigations were incomplete, inadequate, and in violation of federal consumer protection standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime allowed someone who is not me to authorize transactions in the amount of XXXX dollars. When I disputed these transactions, they were all denied.

Company response to consumer: Closed with explanation