vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-28 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: VA

Complaint narrative:
My debit card has been repeatedly and erroneously flagged for fraud for years, across multiple contexts including routine purchases made within one block of my home address, transactions in other states, and international travel. I have sufficient funds in my account every time this occurs. There is no legitimate basis for these flags. This happens XXXX to 4 times per week. Each incident results in a declined card at XXXX XXXX of sale and requires me to spend upwards of XXXX minutes on hold being transferred between representatives who offer no resolution beyond scripted responses. I have called Truist on numerous occasions to report this recurring problem. Nothing has changed. The most egregious failures occurred during international travel. In XX/XX/XXXX, I traveled to XXXX. My card was frozen upon arrival despite having funds available. In XX/XX/XXXX, I traveled to XXXX XXXX. Before that trip, I proactively called Truist and explicitly requested that a travel notice be placed on my account. I was initially told there was no formal process for travel notices. I refused to accept that answer and remained on the phone for over an hour, being transferred multiple times, until a representative confirmed that a note had been placed on my account and that my card would work abroad. I took them at their word. I landed in XXXX XXXX and attempted my first purchase. My card was flagged for fraud and frozen immediately. I was stranded in a foreign country with no access to my funds, after Truist business hours had closed, with no recourse whatsoever. A Truist representative had explicitly assured me this would not happen. That assurance was false, whether due to the note never being entered, being ignored by the system, or the system being fundamentally broken. All three possibilities represent a serious institutional failure. This pattern also occurs every time I travel domestically to another state. I did not choose Truist. Truist acquired XXXX XXXX XXXX and I became a customer by default. I have since been forced to open an account with another institution simply to have reliable access to my own money.

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 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I made a deposit on my Truist app on XXXX. It is a check from XXXXXXXX XXXX XXXX. They're holding it till the XXXX of XXXX. I have direct deposit that will show up on XXXX so it should at least be cleared then. I shouldn't have to wait 10 days when it only takes days to clear a check. I'm XXXX I've been depositing checks my whole life. Check ls from family members have cleared quicker and this is a check from a reputable company thats been arround for 100 years. There is no reason for this accesive hold except to make money on my money.

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 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My TRUIST bank account was hacked, the Fraud Dept intercepted one transaction, but one transaction did go thru the day before, the transaction was fraudulent, the back gave me provisional credit upon investigation, and upon conclusion mailed me a letter with no evidence supporting that, upon receiving, they were going to auto withdrawal the provisional credit. Upon contesting they informed me they I can take it up with the merchant.

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 2026-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I am trying to complete a legitimate {$8500.00} balance transfer to my Bank of America credit card from my XXXX bank account. My wife and I have spent hours on the phone explicitly approving this transaction, yet Bank of Americas automated system continually overrides our consent, denies the transfer, and freezes our entire online banking access. They are blocking us from using our accounts and refusing to honor our verified instructions. I need the Executive Relations team to manually authorize this transfer and unfreeze our digital access permanently.

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 2026-07-01 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:
STATUTORY JURISDICTION & MANDATE Pursuant to 12 U.S.C. 5481, I am invoking the statutory protections of the Consumer Financial Protection Act. Under 12 U.S.C. 5511, the CFPB is mandated to ensure that providers of consumer financial products, including Credit Reporting Agencies ( CRAs ), comply with Federal consumer financial law. I am documenting a terminal breach of duty by Credit Bureaus regarding my consumer file. II. PROCEDURAL HISTORY : EXHAUSTION OF REMEDIES I have completed four ( 4 ) consecutive rounds of formal disputes and the investigation has reached a Terminal State of Non-Verification. Despite four formal notices, the CRA has failed to provide a Method of Verification ( MOV ) as required by 15 U.S.C. 1681i ( a ) ( 7 ) or competent evidentiary matter proving the accuracy of the accounts. III. ENUMERATED VIOLATIONS REQUIRING ENFORCEMENT Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : The statute dictates that if information " can not be verified '' after a reinvestigation, the agency " shall '' promptly delete the item. Violation of 15 U.S.C. 1681e ( b ) : failed to follow reasonable procedures to assure maximum possible accuracy. Maintaining unverified derogatory data on my report is a negligent breach of this standard. Violation of 15 U.S.C. 1681n : The bureaus continued reporting after being notified of the lack of evidentiary proof constitutes willful non-compliance, for which the bureau is liable for punitive damages

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 2026-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2026-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I financed the purchase of a XXXX XXXX XXXX through Ally after purchasing the vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Shortly after taking possession of the vehicle, I discovered a cockroach infestation. I immediately notified the dealership, documented the condition with photographs and videos, allowed multiple cleaning attempts, and ultimately rejected the vehicle in writing on XX/XX/XXXX. I returned the vehicle to the dealership and have consistently maintained that I do not accept the vehicle because of its condition. Since then, I have repeatedly contacted Ally seeking assistance. Instead of conducting a meaningful review of my dispute, I have repeatedly been referred back to the dealership. An Ally representative told me that Ally would contact the dealership and encourage us to work out a resolution. Relying on that information, I reached out to the dealership again in XXXX and offered to resolve the dispute by accepting a comparable replacement vehicle within my budget if a refund was not possible. The dealership never responded to my proposal. Despite my repeated efforts to resolve this matter in good faith, Ally continues to leave me in limbo while warning that the account could be treated as a voluntary repossession or otherwise negatively affect my credit. I have not abandoned this matter. I rejected the vehicle in writing, returned it to the dealership, and have actively pursued a resolution through the dealership, Ally, legal counsel, and regulatory agencies. I am asking the CFPB to require Ally to meaningfully investigate my dispute instead of repeatedly referring me back to the dealership. I also request that Ally suspend any negative credit reporting, collection activity, or voluntary repossession designation while this dispute remains unresolved. Finally, I request that Ally work toward unwinding this transaction and canceling the loan, as I rejected the vehicle shortly after purchase and have consistently sought a resolution ever since. I have attached supporting documentation, including my written rejection, correspondence, photographs, videos, and other records documenting the condition of the vehicle and my efforts to resolve this 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
Consumer complaint received 2026-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( 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 non-monetary relief
Consumer complaint received 2026-07-02 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: HI

Complaint narrative:
Despite repeated attempts to resolve these matters, Creditors continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustrating they are unjust, and they are actively interfering with my ability to move forward financially. time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigation not a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2026-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We did a XXXX tranfer to our bookkeeper XX/XX/XXXX for {$370.00} that was never received. Then when my bookkeeper informed about this I transfered to the same phone number, the day, {$330.00} which was received. We filed a claim re this and received a letter of denial withot an explation. XXXX to them it went to a XXXX Bank Account. Our bookkeeper does not have a XXXX Bank account. We contacted our bank ( B Of A ) re this and was denied without explation. We received your letter dated XX/XX/XXXX, denying our claim. However, our vendor, has confirmed that she never received the {$370.00} payment that was purportedly transferred via XXXX to the phone number registered on her account. Since the funds were not received by the intended recipient, we request documentation and proof showing where the payment was ultimately deposited, including any records demonstrating that the transfer was successfully completed and credited to the correct account. We formally requesting that this matter be escalated and investigated as a potential fraud claim. We expect a prompt resolution and a written response within XXXX { XXXX ) days of receipt of this letter.

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 2026-07-02 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: FL

Complaint narrative:
I am filing this complaint because my credit report contains personal information that is inaccurate, outdated, or does not belong to me. This includes identifying information such as names, addresses, employers, or other personal data that I did not provide or that should no longer be associated with my credit file. I have disputed these inaccuracies, but they continue to appear despite my requests for correction. Inaccurate personal information increases the risk of a mixed credit file, identity errors, and the reporting of accounts that may not belong to me. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain maximum possible accuracy. Continuing to report incorrect personal information after it has been disputed is unacceptable and places me at unnecessary financial risk.

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 2026-07-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XXXX, a payment was made to Wells Fargo of the principal amount outstanding. There is no way to see what the interest is until the statement is cut- not perfect but ok. A statement was not received stating the amount due in interest - instead, when logging into the online banking system which we do almost daily, the outstanding amount due for the HELOC remained at {$0.00}. We didnt know how much was due until getting a letter in the mail that the payment was late ( even that letter didnt state how much was owed ). When calling they only wanted to tell me that a HELOC is different than a mortgage- which I know. They really need much better payment systems and info. The last complaint- they responded to me- but they didnt solve anything just sent a letter thanking me for making them aware. Thats really fairly unacceptable. The should have to fix their systems.

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 2026-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I noticed that diversified adjustment put a collection account on my credit profile I called them. I disputed the collection telling them that this is indeed fraud. Ive never opened up an account with XXXX who they are collecting a {$930.00} debt on behalf of Delete/remove the fraudulent tradeline for XXXX Account XXXX XXXX from my credit report because it is the product of identity theft and can not be verified as mine. Block identity theft information associated with this account pursuant to 15 U.S.C. 1681c-2 ( if applicable to the documentation provided ). Provide written results of the reinvestigation including : confirmation of deletion/blocking, the date ( s ) corrected, and the specific basis for any outcome ( including what was verified and by whom ). Notice Please conduct your reinvestigation using the evidence I provide. If you determine the information is accurate, provide a written explanation identifying the method of verification and the specific information relied upon that ties the account to me.

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 2026-07-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My husband and I consolidated our debt, which included a payoff of our lease. During the process, which took several weeks, and automatic payment went through, resulting in an overpayment of the total amount due. We overpaid the lease by more than {$500.00}. I have asked that this money be returned and was told no, they hold onto it until the lease term is done ( nearly a year away ) in case there are any damages they wish to apply it to. I do not see how they have the right to withhold my own money on account of a future hypothetical cost not yet due.

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 2026-07-02 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: TX

Complaint narrative:
I request the removal of this incorrect entry from my credit report. I did not authorize or recognize this account. Attached are the relevant documents supporting my position.

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 2026-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a formal dispute regarding inaccurate, unverifiable, and potentially fraudulent information appearing across my consumer credit files with all three credit reporting agencies. These entries contain incorrect account data, inaccurate personal identifiers, and inconsistent reporting that is negatively impacting my credit profile. Disputed Negative Accounts The following accounts are inaccurate, incomplete, or not properly verified and must be reinvestigated : XXXX XXXX ( Acct : XXXX ) incorrect delinquency reporting on closed account XXXX XXXX ( Acct : ending XXXX / variations reported ) inaccurate payment history XXXX ( Acct : XXXX ) incorrect derogatory reporting XXXX XXXX XXXX XXXX Acct : XXXX ) inaccurate status/payment history XXXX XXXX XXXX multiple XXXX XXXX XXXX. XXXX, XXXX, XXXX ) incorrect balances, dates, and late payment reporting XXXX XXXX XXXX multiple accounts ( XXXX XXXX accounts ending XXXX, XXXX, XXXX, XXXX, XXXX ) inaccurate reporting across payment status, dates, and delinquency history Inaccurate Personal Information The following information is incorrect, outdated, or inconsistent and must be corrected or removed : Multiple incorrect addresses reported across files ( including variations of XXXX XXXX, XXXXXXXX XXXX and other out-of-state addresses ) Incorrect name variation ( XXXX XXXX ) Employer information listed inaccurately or inconsistently

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 2026-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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