vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have been battling Truist since XX/XX/year> over a check that was deposited in the amount of {$2800.00}. Truist has made me jump through multiple hoops and now they are saying that XXXX XXXX ( my husband ) and I have to go into a branch with our IDs. As they have been told multiple times XXXX works in Alabama where there are no Truist branches near him. I have asked for an alternate option and they are refusing. This is all after XXXX has emailed them his ID ( front and back ) as well as a picture of himself. I, XXXX, am able to go into a branch but without him I am being told that they can do nothing. Truist closed my last complaint with no resolution.

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 2025-10-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I recently pulled my credit report and noticed that I have several collections accounts that I have not signed any documentation allowing the XXXX XXXX to have access to any of my personal information. 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: CO

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
CFPB Complaint Text : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Product : Checking or savings account Issue : Account management, inability to use account I am filing this complaint against Bank of America ( BoA ) regarding their failure to follow regulatory protocol and their deliberate obstruction of my access to funds following a documented fraud event involving XXXX and XXXX. 

Details of the Problem : Denial of Services and Funds Access : After the unauthorized withdrawal of {$970.00} from my checking account, the account was compromised. BoA opened a new account for me to secure my funds. However, the bank is refusing to grant provisional credit or issue a temporary/virtual card for the new account, forcing me to wait for a physical card to arrive by mail. This leaves me without access to essential banking services and has created extreme financial hardship. Failure to Process Documents : BoA personnel acknowledged receiving my full fraud and dispute documentation ( including a letter detailing the XXXX XXXX  XXXX. However, they admitted they improperly filed this crucial evidence under an old, unrelated claim, effectively rendering my current dispute invalid internally and denying me the required provisional credit. Use of Friction ( Fax Requirement ) : The bank is requesting I " refax '' documents they already possess, creating an unnecessary and obsolete bureaucratic hurdle, which is a tactic to delay or deny the claim resolution process. 

I am requesting the CFPB investigate BoA for : Failing to provide timely access to funds and services following a fraud event. Improper handling of fraud documentation, leading to the denial of provisional credit. Using unnecessary procedural friction ( faxing ) to obstruct a legitimate fraud claim. 

I seek immediate resolution : The provisional credit of {$970.00} must be reinstated immediately, and I request a functional virtual card be issued to my new account pending the arrival of the physical card. 

Documents on other complaint with 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 2025-10-29 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: CA

Complaint narrative:
I received a Chapter XXXX bankruptcy discharge on XX/XX/year> ( XXXX XXXX. XXXX ). My Direct Consolidation Loan held by the XXXXXXXX XXXX XXXX XXXX  and serviced by XXXX was listed as a creditor and the XXXX  XXXX served the discharge notice on the servicer/DOE. Despite this, XXXX continues to report a balance owed and post-discharge late payments to Equifax/Experian/TransUnion and has communicated amounts due. 

On numerous occasions, I disputed the inaccurate tradeline ( XXXX ) with Equifax, Experian, and TransUnion, attaching my discharge order and schedules. I also notified XXXX in writing of the discharge and the inaccurate reporting. The inaccurate reporting and balance/late-pay history remain. 

Harm : These inaccuracies lower my credit scores, impairing access to credit and causing financial and emotional distress. I have expended time and costs to correct the record.

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 2025-10-29 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: CA

Complaint narrative:
I received a Chapter XXXX bankruptcy discharge on XX/XX/year> ( XXXX XXXX. XXXX ). My Direct Consolidation Loan held by the XXXXXXXX XXXX XXXX XXXX  and serviced by XXXX was listed as a creditor and the XXXX  XXXX served the discharge notice on the servicer/DOE. Despite this, XXXX continues to report a balance owed and post-discharge late payments to Equifax/Experian/TransUnion and has communicated amounts due. 

On numerous occasions, I disputed the inaccurate tradeline ( XXXX ) with Equifax, Experian, and TransUnion, attaching my discharge order and schedules. I also notified XXXX in writing of the discharge and the inaccurate reporting. The inaccurate reporting and balance/late-pay history remain. 

Harm : These inaccuracies lower my credit scores, impairing access to credit and causing financial and emotional distress. I have expended time and costs to correct the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Fell on hard times and struggling to stay above water while actively trying to provide fir my dependents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-29 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:
Please look into this entry ; it was posted late and could be inaccurate.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been an American Express cardholder since 2018 and hold multiple cards, including a Gold card and a Blue Cash card. I am also and American Express employee, so I'm sure you imagine my frustration with the lack of customer service, explained below. 

I applied for the Amex XXXX XXXX XXXX credit card since I wanted to take advantage of a generous welcome offer. The website explicitly stated that there was to be no impact on my credit score until after my application was approved AND I accepted the card. It also stated that I would be informed of welcome bonus eligibility before choosing to accept opening the credit card. I applied on my phone, which often blocks pop-ups, so I didn't receive any notification regarding my welcome bonus eligibility. 

On XX/XX/XXXX, I was notified that my application was approved and that I was required to accept or withdraw the card. Since I still did not know if I was eligible for the bonus, I contacted American Express customer service 3 times ( twice online and once over the phone ) to request this information. They told me, all three times, that they were unable to confirm my welcome offer eligibility. So, my options were to 1 ) withdraw the card acceptance and forego the bonus, or 2 ) find out if I was eligible for the welcome offer by accepting the card and impacting my credit score. Since I was applying for the chance to benefit from the welcome bonus, it seems greatly unfair that I would be forced to impact my credit score AND pay an annual fee just to determine my eligibility, especially since it was explicitly stated that I would have all of this relevant information in advance of accepting the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC
State: OH

Complaint narrative:
My mortgage was transferred from XXXX XXXX XXXX to Planet Home Lending around XX/XX/year>. During the transition, my automatic payments did not carry over to the new servicer, and I was not notified that payments for XXXX and XX/XX/year> had not processed. As soon as I became aware of the issue, I made both payments immediately and have been current ever since. 

Planet Home Lending later reported those XXXX months as XXXX late payments. These marks are inaccurate because the delay was caused by the loan-servicing transfer, not by failure or inability to pay. Once I saw the issue I contacted Planet Home and made the payment of {$9300.00} to make things current. I contacted Planet Home Lending to request correction or a goodwill adjustment, but they said they don't do goodwill adjustment. 

I am asking that the XXXX and XX/XX/year> late-payment entries be corrected or removed so that my credit history accurately reflects my true payment performance. 
This is the only blimpish on my credit report. Never had anything like this before. Now its keeping me from getting an equality loan. 

I sent Planet an email on the XXXX of XXXX and I had to call them to get a response to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-29 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: GA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : 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

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
want a full refund I was sold a bad kit which caused catastrophic damage. I filed a dispute with my credit card company Synchrony bank after tryouts my to resolve the issue. And they said I won my dispute which has been over 75 days. Then yesterday XX/XX/XXXX they double charged me for XXXX twice and wont fix it. They have over XXXX pages of notes from me. They have lied and now trying to cheat me out of 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 2025-10-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
hi, Kay Jewelers store card is very very deceptive and their reps lie about policy 's and whats going to happen with your payment. I have recorded almost every call with them and I call and make a payment towards a purchase with an expiring no interest date but they apply it wildly to other items on the account. Just recently a rep was rude and disrespectful so I matched her energy and then had to call back to get another rep to help me and they did no problem. Then I find out my number is blocked them claiming abuse and my most recent payment of XXXX wasn't applied to the plan expiring in a couple weeks so im gon na get interest and they refuse to help me over the call I had with a rep who was lying to me about their policy. Its over and over with the payment scheme they wont apply the money to the account the correct way and now refuse to help me telling me to use the app but the app but the app doesnt work.

Company response to consumer: Closed with explanation