vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Today, I tried to call in the morning to see if I can withdraw my funds at the branch because of the issue from my previous complaint with CFPB # XXXX, and I was told that I can withdraw at the branch. I then went to Truist branch located at XXXX XXXX  XXXX Fl XXXX, XXXX VA XXXX and was told I can't because the notes said wait for a check being mailed in 30 days. I then left and called again and was told they updated the notes that I can withdraw and when I went back to the branch the lady was acting like she didn't want to speak to me again and said she already called and wasn't going to call again. I then called on speaker so the teller can hear for herself and she eventually spoke to the operator on the phone and she request to speak to a supervisor and then the supervisor told her no. I then left and called again and now another supervisor says wait until the pending charges clear and we can send for a approval for withdraw of funds but unfortunately my account is scheduled for closing tonight so that ruins my chance for them to send for approval because they said once the account is closed they can't do anything. I feel I am being scammed like many others I read reviews and videos of other people stories. My account was deemed fraudulent because of a XXXX  of XXXX made by me and paying bills and going for XXXX. My money is now being held until check is issued and I can't wait that long. These operators and bank tellers are sending me every which way and I lost 4 hours at work running around in circles. I feel this bank is very corrupt.

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 2025-05-15 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: OK

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-15 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-15 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-15 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-15 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: MI

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 : {$3600.00} Account No XXXX XXXXXXXX XXXX Balance : {$2100.00} Account No XXXXXXXX XXXX XXXX Balance : {$1200.00} Account No XXXX XXXX XXXX Balance : {$1200.00} Account No XXXXXXXX XXXX XXXX  Balance : {$710.00} Account No XXXXXXXX XXXX XXXX  Balance : {$700.00} Account No XXXXXXXX XXXX XXXX XXXX Balance : {$400.00} Account No XXXXXXXX XXXX Balance : {$0.00} Open Account No XXXX XXXX XXXX XXXX Balance : {$370.00} Account No 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 2025-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: TX

Complaint narrative:
The debt collection company Jefferson Capital Systems has violated my rights by unlawful communications under XXXX XXXX XXXX XXXX XXXX and violated my rights of cease requests. Please delete this debt collection from my credit report immediately. There has been no pruchase agreement or original contract provided to me for debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/year> I arrive at a Chase branch location to make a check deposit, the teller instructs me that I need a signature from another individual do to his and my name being on the check. No problem I was able to get a signature from him and proceed to deposit make the deposit. The teller let me know that it will be a hold on the check until the XX/XX/XXXX of XXXX, which I had no problem with. XX/XX/XXXX comes and I receive and email stating that my account is restricted. I call in and speak to a representative on the deposits team and he informs me that the restriction would lift if the check cleared. I found it to be off that my account was restricted due to me making a check deposit. XX/XX/XXXX came and I the funds were in my account I received a email stating that the hold was remove. I attempted to make a transaction and it declined. I called in and the representative stated " my account was pending to be closed and it is restricted. '' The representative claimed that the check had bounced ( Which it didn't ) and that they attempted to contact the second person on the check to verify endorsement. 
She then told me I needed to step into a branch location if I wanted to open a new account. 
I called and verified with the issuer of the check ( which is my credit union ) if the check was cashed or not and they informed me that it in fact was cashed.

My funds is in the hands of Chase an they are holding it hostage, this is my lively hood here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft.

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following inquiries must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them.

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


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 2025-05-15 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-15 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: Westlake Services, LLC
State: NC

Complaint narrative:
I am filing a complaint against Westlake Services , LLC ( Westlake Financial Services ), who is reporting a derogatory account on my credit file. 

On XX/XX/year>, I submitted a formal written dispute to Westlake requesting validation of the debt, as well as proof that they are legally bonded and licensed to collect debts in North Carolina as required under NC General Statute 58-70-1. As of today, they have not responded to my dispute, which violates the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i ), which requires a response within 30 days. 

Additionally, my search of the XXXX XXXX XXXX XXXX  ( XXXX  ) confirmed that Westlake is not licensed or bonded in the state of North Carolina, making their collection activity and credit reporting unauthorized and illegal. 

Their continued reporting of this account has caused me financial and emotional harm. I am requesting the CFPB to investigate and take enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no credit score with TransUnion. It has dashes through the number. The credit report also has not been updated in years. When I send in a complaint, they just send me a full credit report to my house and it still has NO CREDIT SCORE and says " UNKOWN ''

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 2025-05-15 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-15 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I made a payment that cleared my bank on XX/XX/year> for {$120.00}. Capital One has held the funds and not released them to my available credit. Despite Capital One 's online website stating 3-8 days for holds, both a worker and Supervisor ( Supervisor name XXXX ) stated my funds will be held for 26 days * per payment * to 'verify the funds cleared '. I offered to have the company call my bank to verify that my bank released them via ACH. The company and supervisor refused. The Supervisor hid behind their cardholder agreement to claim that it says they may hold at their discretion. However, it is extremely unethical to hold payments that have been deducted from my bank for 26 days ( nearly an entire monthly cycle ) and refuse to provide available credit when I have had no wrong-doing and have paid all my monthly payments on time. 

The bank has refused to provide me with a member of their legal team, XXXX would not provide me her supervisor, would not provide me an internal call number, and stated they could not override the hold and explicitly refused to verify with my bank that the funds were released and sent to Capital One. 

This seems extremely illegal and violates the online stated policy for the company of 3-8 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Last payment was XXXX, it has a {$0.00} amount past due and is still on my credit reports. I was not the owner and it was a joint account- It was opened XX/XX/XXXXXXXX  - closed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
Subject : Request for Investigation and Removal of Charge-Off Accounts from Credit Report Dear CFPB Representative, I am writing to formally request your assistance in resolving discrepancies on my credit report related to charge-off accounts that are currently being reported by Experian. These accounts have already been removed by Equifax after a successful dispute, yet they continue to appear on my Experian report, negatively impacting my creditworthiness. 

Below are the details of the charge-off accounts in question : XXXX XXXX : XXXX XXXX  Account XXXX : XXXX.... 
Date of Charge-XXXX Creditor Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX.... 
Date of Charge-Off : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX.... 
Date of Charge-Off : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX.... 
Date of Charge-Off : XX/XX/XXXX Creditor Name XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX.... 
Date of Charge-Off : XX/XX/XXXX Creditor Name : XXXXE & HXXXX XXXX Account XXXX : XXXX Date of Charge-Off : XX/XX/XXXX Creditor Name : XXXX XXXX  Account Number : XXXX.... 
Date of Charge-Off : XX/XX/XXXX Despite my efforts to address this directly with Experian and the creditors, the accounts remain on my report. I believe this constitutes an inconsistency in credit reporting and may violate the Fair Credit Reporting Act ( FCRA ), which requires that all credit information be accurate and verifiable. 

I respectfully request that the CFPB investigate this matter. If these accounts can not be verified in compliance with the FCRA, I ask that they be permanently removed from my Experian credit report to ensure consistency and fairness. 

I have enclosed copies of my recent credit reports from both Equifax and Experian, highlighting the discrepancies, along with any supporting documentation. 

Thank you for your time and assistance in addressing this issue. I look forward to a resolution within the XXXX timeframe outlined under the FCRA. 

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