vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX Account Ending in XXXX Dear Truist Client Advocacy Team, This letter is a formal follow-up regarding my previous complaint submitted on XX/XX/XXXX, concerning the inaccurate reporting of a late payment on my Truist credit card account ending in XXXX. Your response dated XX/XX/XXXX, is both deeply concerning and factually inaccurate. 

First, it took over 30 days to receive a reply, despite multiple attempts on my end to follow up, especially given that your misreporting was actively harming my financial standing. 

Second, I want to be very clear : I am not disputing the closure of the account. I am disputing your inaccurate reporting of a late payment for XX/XX/XXXX, which was the sole focus of my original complaint. 

Instead of addressing this, your response deflects to unrelated account activity from XXXX to XX/XX/XXXX, information that has no bearing on the issue I raised. This misdirection does not resolve the actual concern and further delays a proper resolution. 

Let me reiterate clearly : I made a payment iconsecutive on-time payments, and I do so only after speaking with a Truist representative by phone, the only method available to me due to your internal account restrictions. 

It is not possible to make payments without agent involvement once the account is closed and restricted. During our first conversation I asked the agent to enroll me in automatic payments. Therefore, for Truist to now claim you have no record of that interaction is both negligent and unacceptable. 

I never requested for the account to be reopened. I only asked for the inaccurate late payment to be corrected. 

Additionally, your delay in response, taking over six weeks, with no reply to my follow-up email, reflects a serious lapse in customer service and compliance with CFPB response expectations.

Truist needs to remove the inaccurately reported late payment from my credit report across all major bureaus ( XXXX XXXX XXXX ), and Provide written confirmation that this correction has been made. 

If this issue is not resolved promptly, I will be forced to escalate this matter through legal channels, including filing formal complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and potentially pursuing damages for credit harm and emotional distress through a consumer protection attorney. 

I expect immediate written acknowledgment of this message and swift action on the correction. 

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 2025-06-05 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: TN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: OH

Complaint narrative:
am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX Account # XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-06-05 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: MS

Complaint narrative:
i sent all 3 bureaus my first letter on XXXXXXXX  about the inaccurate accounts they are reporting and it comes back verified, this is my 2nd and final letter to them concerning my accounts, i have been getting denied for credit because of this violation. I have attached copies of all the letters below.

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 2025-06-05 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Service Finance Company , LLC from Florida ran a credit check on me that was not authorized.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-05 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: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Georgia XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX Subject : Cease and Desist Harassment and Unauthorized Credit Reporting Dear XXXX XXXX XXXX This letter is to formally notify you to cease and desist all communication with me regarding the alleged debt with account NO number AND a XXXX balance which I dispute in full. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you stop all contact with me immediately, including but not limited to phone calls, text messages, emails, or letters. You are also prohibited from contacting my family, friends, or employer. 

Furthermore, I demand that you cease reporting any false or unverifiable information to the credit reporting agencies. If such information has already been reported, you are required to remove or correct it immediately. If you believe this debt is valid, provide written validation of the debt, including the original creditor, amount, and your legal right to collect. 

Failure to comply with this request will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. I also reserve the right to pursue legal action for any continued harassment or unlawful reporting. 

This letter is being sent via certified mail and a return receipt is requested for my records. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Cease and Desist Harassment and Unauthorized Credit Reporting Dear XXXX XXXX XXXX This letter is to formally notify you to cease and desist all communication with me regarding the alleged debt with account NO number AND a XXXX balance which I dispute in full. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you stop all contact with me immediately, including but not limited to phone calls, text messages, emails, or letters. You are also prohibited from contacting my family, friends, or employer. 

Furthermore, I demand that you cease reporting any false or unverifiable information to the credit reporting agencies. If such information has already been reported, you are required to remove or correct it immediately. If you believe this debt is valid, provide written validation of the debt, including the original creditor, amount, and your legal right to collect. 

Failure to comply with this request will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. I also reserve the right to pursue legal action for any continued harassment or unlawful reporting. 

This letter is being sent via certified mail and a return receipt is requested for my records. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX SoFi Bank National Association closed all of my accounts without notice. I've been requesting statements for all of my accounts but they claim I violated their agreement ( but did not specify how ) and now I do not have online access to my accounts. I have tried calling multiple times to get them emailed or mailed to me but they claim they do not provide statements outside of their online portal. They revoked my access to login via the website and mobile app and claim there is no way I can receive my statements. They mailed me a check for the balance of my accounts but it is impossible for me to verify the amount is correct on the check if I can not access my online account or bank statements. What is concerning to me is on the date the account was closed I was receiving email confirmations that XXXX payments were deposited. Without access to the statements I can not verify if the check I received includes the XXXX deposits. I am self-employed and can only qualify for loans by providing bank statements to substantiate my income. This issue is causing me financial duress. 

I had the following accounts closed : personal checking, personal savings, credit card, brokerage, Roth IRA, Traditional IRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. 

This conduct is in direct violation of federal law and my consumer rights. The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 

Under XXXX5 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

The following account are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Webcollex, LLC
State: CA

Complaint narrative:
Under the FCRA, you can seek statutory damages if creditor furnishes inaccurate information about debt such as incorrectly reporting charge off while still claiming you owe the debt.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX Hunter Warfield Inc XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Account Number XXXX Subject : " Request for Debt Validation '' Dear Hunter Warfield Inc , I am writing to request validation of the debt referenced in your recent communication. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request proof that I am legally obligated to pay this debt. 
Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent If your offices have reported invalid information to any of the three major Credit Bureaus ( XXXX XXXX XXXX XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Please note that until I receive this validation, I am requesting that all collection activities cease as per my rights under the FDCPA. 

Thank you for your prompt attention to this matter. Please respond in writing within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
I thought my car was stolen recently but it turns out it was repossessed without any attempt to let me know this. Further making this matter even more stressful is the fact that when I've tried to resolve this, I'm met with no help whatsoever. What I mean by that is I've been repeatedly told a figure that is higher than what I actually owe. They are disputing that I'm only a few months behind. They claim, and have been reporting my alleged missed payments to the credit bureaus for months. I have offered to email them my bank statements showing proof of 4 payments, when they are claiming they've received 0 of 6. I know I'm behind and I don't dispute that. But I'm a full time XXXX XXXX living off modest XXXX XXXX. What I do dispute is their records that I owe them more than I actually do. I'm trying to get my car back. I desperately need it. I have XXXX XXXX XXXXXXXX XXXX and XXXX so walking the 3-4 miles to my campus every day is physically not possible. I don't have any family on the west coast and the few friends I've made, don't have vehicles of their own. I want to get my car back and will pay what I owe. But it's not right for them to take my car and demand more money than they are owed, especially on top of the fees. This isn't the first time I've been screwed over by Ally auto loans, so I see the pattern and want them to be investigated. I feel this is intentional and if they're doing this to me, I'm sure they're doing this to others. At the beginning of last year I was facing serious financial difficulties so I reached out to them. They agreed to put a pause on my payments to allow me time to get back on my feet. I asked how this would affect my credit and they assured me that it wouldn't. All parties signed the digital docs and I made the first payment after the pause on time, in fact a few days before I was required. However, they turned around and reported my non-payment during the pause as a missed payment, thus tanking my score from in the XXXX, causing it drop over a XXXX points. I called them and to no avail did they do anything to fix it or even acknowledge their mistake. It was just more lies on their part saying they never stated it wouldn't effect my credit score. But if they had told me that, I wouldn't have pursued the pause so I knew they were lying. I reported them to the credit bureaus and even the XXXX but I got no resolution. And my credit scores been in the tank ever since. It's why I pay an extra {$4.00} a month to make my payments thru their automated system, cause I don't want to deal with their rude, lying customer service reps who are not helpful. Ally auto loans doesn't care how they are ruining peoples lives. And I need someone to stand by me and help fight them, so I can get my car back and my credit score repaired. Thank you for your time spent listening to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Personal Information under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute inaccurate personal information listed on my Experian credit report.

The following information is incorrect and should be removed immediately : Incorrect Name : XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX These entries do not belong to me and must be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 
I have attached copies of my government-issued ID and a proof of address to assist with your investigation. Please update my credit file and send me a corrected copy of my report once the review is completed. 

Thank you for your prompt attention to this matter. 
Att : 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