vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist Bank took out XXXX payments for my mortgage from my checking account - all on the same day and I'm up to date on my mortgage. I called customer service and there is nothing they can do to stop the payments on their system. Said to call back later once they posted and it will take 10 days to get a refund processed. Don't understand why they just correct their error. 

Sincerely, XXXX XXXX XXXX XXXX My payments as shown on the online bank app with Truist Bank below. 


XX/XX/XXXX Payment + {$1000.00} - view details for XX/XX/XXXX Payment XX/XX/XXXX Principal Payment + {$55.00} - view details for XX/XX/XXXX Principal Payment XX/XX/XXXX Payment + {$1000.00}

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Over the past year, numerous unauthorized hard inquiries and fraudulent credit accounts have appeared on my credit reports, despite my identity being frozen and multiple disputes filed. I am the documented victim of identity theft, and these accounts and inquiries were initiated without my consent, authorization, or knowledge. 

On XX/XX/year>, I filed an FTC Identity Theft Report ( # XXXX ) and a police report with the XXXX XXXX XXXX XXXX XXXX ( # XXXX ). These were properly submitted to the credit bureaus under FCRA 605B ( 15 U.S.C. 1681c-2 ), which legally requires credit bureaus to block fraudulent data within XXXX ( XXXX ) business days upon receipt of such documentation. 

Despite full legal compliance on my part, the following fraudulent accounts remain : XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX {$4500.00} XXXX XXXX {$320.00} Additionally, the following unauthorized hard inquiries remain and must be deleted immediately : 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 Bank NOTE : The only legitimate hard inquiry on my report is from XXXX XXXX XXXX XXXX XXXX TransUnion. All other inquiries on all bureaus are fraudulent and must be removed without delay. 

Your failure to remove this fraudulent data in compliance with FCRA 605B, and your continued reporting of known identity theft items, constitutes willful noncompliance and opens your organization to civil liability under FCRA 616 and 617, including but not limited to : Statutory damages Actual damages Punitive damages Attorneys fees This letter constitutes a formal legal demand for : Immediate removal of all fraudulent accounts Permanent deletion of all unauthorized inquiries Written confirmation of compliance Failure to act within XXXX ( XXXX ) business days will result in regulatory complaints filed with the CFPB, FTC, Texas Attorney General, and may result in civil litigation for statutory violations and financial harm. 

This is not a request it is a final legal notice. You are on record and on notice.

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 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/year>, I paid {$70.00} via debit card to XXXX XXXX XXXX, a nail salon, for a set of professionally applied nails. Within XXXX hours, the nails began lifting and were visibly crooked, demonstrating that the service was defective and not provided as agreed. 

I contacted the merchant immediately and was denied a refund. Instead, I was offered a store credit, which I can not use, as I do not live in the state and was only visiting. I have provided photo evidence, proof of out-of-state residency, and copies of my communication with the salon to XXXX XXXX to support my dispute. 

Despite this, XXXX XXXX reversed my provisional credit, claiming I agreed to the service. While I did authorize the payment initially, I did so with the expectation of receiving professional service, which did not occur. The product I received was defective within hours. This transaction qualifies under Regulation E as a billing error and unauthorized debit for services not rendered as agreed. 

XXXX XXXX failed to : Properly investigate my claim, Consider the evidence I submitted, Uphold my protections under 12 CFR 1005.11 of Regulation E.

As a result, I have suffered a financial loss with no available remedy from either the merchant or the bank. 

Desired Resolution : Full reimbursement of {$70.00} USD to my account, Assurance that XXXX XXXX will comply with its obligation under Regulation E to fairly evaluate debit card disputes for defective services. 
Supporting documentation has already been provided to XXXX XXXX and can be submitted to CFPB upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: WA

Complaint narrative:
I had XXXX charges to my XXXX XXXX account on XX/XX/year> and XX/XX/year> that were fraudulent. Being that I am fully XXXX and live on a fixed income makes it easy to spot unauthorized charges. This also presents a great hardship which requires a timely responses to these types of situations. 
On XX/XX/year>, I called XXXX XXXX, and am currently on hold as I fill out this form. I have now been on hold for ONE HOUR AND THIRTY-EIGHT MINUTES, and am still currently holding.

I have been with XXXX XXXX for seven years, and I can honestly say that there is no other customer service in the entire world that I have ever encountered or even heard of that is as awful as they have been in the past, and continue to be.

I feel this company has displayed a total lack of regard and respect to its card holders. Their discriminatory actions towards their card holders is beligerantly unexceptable and needs to be addressed in a swift and certain manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-02 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: IN

Complaint narrative:
I've recently received a copy of my credit report. I've noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks has 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 non-monetary relief
Consumer complaint received 2025-07-02 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00}

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I opened an account with Coinbase and bought Crypto for {$5000.00} in mid XXXX. During the time of opening this account I was in dialogue with another part that had encouraged me to invest in Crypto. During these conversations I became uncomfortable about my finances and closed down all of my investment accounts including the account with Coinbase. 

After i was comfortable with my financial security I attempted to contact Coinbase to unlock my account so that I could take the cash that was in the account out and transfer that to my back at XXXX XXXX. Calling the listed phone number there was no assisttance from anyone and when I finally sent an email through their website I was provided a link to open and App and provide my email to an address in XXXX, XXXX. This link also had a phone number that was associated with it that I called an spoke to XXXX that said the only way to verify me was to provide my email and open the App. I was not comfortable and therefore have now started a complaint with XXXX Department of Banking which in turn had sent me to consumer protection in XXXX XXXX. I have been notified that they do not have jurisdiction over this matter and therefore have directed me to this location. I have attached the complaint that I submitted to them with complete details.. 

Please review this note and the attached fornmal complaint and if you have any questions do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2025-07-02 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: VA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding my OnJuno account. My funds have been frozen for over a year due to issues involving their former banking partner, Synapse, which went bankrupt. OnJuno subsequently switched to XXXX XXXX XXXX XXXX. 

Despite having a balance of {$1000.00} in my account, I only received a payout of {$10.00} from XXXX. I have not received any clear communication or resolution from OnJuno regarding the remaining funds. The company has failed to provide meaningful updates, aside from occasional website posts, none of which have led to my funds being unfrozen. 

I am requesting immediate action and a detailed explanation of when and how I will be able to access the full balance of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Look Ive been disputing XXXX accounts for the past 17 months and nobodys helping me, this is willful non-compliance at this point. I got XXXX XXXXXXXX XXXX  accounts and XXXX XXXX account that never shouldve stayed on my credit this long, and the bureaus just keep stalling. 

XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX  # XXXX The worst part is, these XXXX XXXX Bank accounts were REMOVED before and now they got reinserted back on my report with no warning, no letter, no proper verification. Ive done phone calls, mailed letters, sent ID and everything since last year. Still nothing. Ive had enough. This aint how the FCRA supposed to work. 
ive included FTC AFFIDAVIT PDF REPORT SETN VIA CERTIFIED MAIL AND THES EPEOLE AT THE BURUS STILL DONT FIX THEIR FUCKING ERROR

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
My father passed away in XXXX, i have since assumed the mortgage loan. My name was officially added to the loan in XXXX. They deny me online access to the loan and i am only permitted to monthly mail statements and i can call and ask them for information. However, anytime you call Rocket Mortgage, you are transfered to numerous people, and I have gotten conflicting answeres so many times. I just want to be able to see and look at the mortgage loan that I am paying for and that my name is on. How am I supposed to be able to trust this company, or ehat they are doing on my behalf to the loan when I am in the dark. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I made a XXXX purchase on XX/XX/year> at XXXX XXXX  XXXX with my Amex XXXX XXXX XXXX to qualify for the {$150.00} XXXX XXXX benefit. The transaction was marked as pending that day, and I have the official XXXX receipt showing the correct date. Amex denied the credit because the charge posted on XX/XX/XXXX, but nowhere in the terms is it clearly stated that the posted date controls eligibility. The terms only say purchases must be charged to the account, and use vague language like may not which does not reasonably inform cardmembers that a merchant processing delay can fully disqualify a valid purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maximus Federal Services, Inc.
State: OK

Complaint narrative:
A few days ago, I received an alarming alert from my XXXX  account that DEPT OF EDXXXX had reported my account to be negative/delinquent after knowing that this account was paid in full and off/consolidated with another lender. I had been in direct communications with both. This false information severely affected my credit score! Please see the documents further confirming my statement. I am asking that DEPT OF ED/XXXX update the information properly and accurately on my XXXX  account and remove this false statement effectively and immediately. This is definitely abuse of power and authority!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
XXXX XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal ComplaintXXXXas proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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