vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist Bank placed a XXXX hold and processed a duplicate posting on a U.S. government-issued check that I deposited into my personal account. 

I initially tried to deposit the check using Truists mobile app, but the app repeatedly failed to read the check and gave me an error message. A Truist representative told me to go to the branch and deposit it in person, which I did. 

Truist then treated both the failed mobile attempt and the physical deposit as duplicates, deducted the check twice, and placed a 12-day hold on my funds. Truist now has physical possession of the original check, which proves there was only one real deposit and no fraud attempt. 

The check is a U.S. government check payable to me. Under Regulation CC ( 12 CFR 229.10 ( c ) ( 1 ) ( i ) ), Truist is required to make the first {$5000.00} of a federal government check available by the next business day after deposit when its deposited into the payees own account. 

Holding my government check for 12 days and providing no written reasonable cause explanation violates this federal regulation. This bank error has caused immediate financial harm, including the risk of eviction and car repossession. 

I am requesting that the CFPB require Truist to : Release the held funds immediately ( at least the first {$5000.00} as required by law ), Reverse the duplicate posting, and Provide written acknowledgment that I acted based on Truists own employee instructions and that I did not attempt any fraudulent activity. 

I have documentation showing the app errors, the representatives instructions, deposit receipts, and proof that Truist holds the original check.

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 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) to request a review and resolution of several inaccuracies and reporting issues in my credit file. The accounts listed below are in dispute, and I request that all necessary corrections be made to ensure my credit report is accurate and compliant with the Fair Credit Reporting Act ( FCRA ). 

Charged Off : 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 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 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 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 non-monetary relief
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing as a consumer who has reviewed my Experian credit report and identified several inaccuracies that I am formally disputing. I am requesting that Experian conduct a full investigation, verify all data with the furnishers, and delete or correct any item that can not be verified according to the Fair Credit Reporting Act ( FCRA 611 ). 

XXXX Accounts in DisputXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) Reported charged off on XX/XX/XXXX for {$2400.00}. I dispute the accuracy and request validation, including account history and date of first delinquency. 

XXXX XXXX XXXX ( Acct # XXXX ) Listed as opened XX/XX/XXXX for {$3000.00}. This date appears to be impossible/future-dated. I dispute this as inaccurate and request deletion if unverifiable. 

XXXX XXXX XXXX ( Acct # XXXX ) Reported XX/XX/XXXX for {$3900.00}. I request full verification, including original creditor information. 

XXXX XXXX XXXX  XXXX Acct # XXXX ) Reported charged off XX/XX/XXXX for {$0.00}. A charged-off balance of {$0.00} is inconsistent and should be removed if not substantiated. 

XXXX XXXX ( Acct # XXXX ) Reported charged off XX/XX/XXXX for {$0.00}. Please verify or delete. 

XXXX  ( Case # XXXX ) Dated XX/XX/XXXX. I request confirmation of the accuracy, court verification, and reporting period, as it may be past the allowable reporting limit.

Hard Inquiries in Dispute The following hard inquiries were made without my full consent or clear authorization for a credit application. I request verification of permissible purpose or deletion if unverifiable : 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 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 XXXX XXXX I dispute these late payment reports as inaccurate and request full payment history verification.

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 2025-11-05 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NC

Complaint narrative:
I am submitting a dispute regarding the following items on my credit report. I request an investigation into these items under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$21000.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$120.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$470.00} XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXXXXXX, XX/XX/XXXX, {$3800.00} Inquiries : XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX Late Payments : XXXX  XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
After my mom passed we sent them everything they requested to put the vehicle in my father 's name. They wouldn't give us the account number to pay the bill. And wouldn't put the vehicle in his name until the bill was paid. We sent a check by mail because the online account was shut down. They repossessed the vehicle demanding {$2700.00} including {$440.00} towing fee to have the vehicle returned. I paid by wire as they demanded. 
Guess what? I call back to confirm the payment and now they're saying they won't return the vehicle unless the full {$26000.00} is paid at once. And will not put it in my father 's name until then. Deceased support never provided this information and the property release department never mentioned this despite me asking several times what is the exact amount that is due to return to the vehicle. The previous XXXX agents were aware that my mother is deceased so why is random agent number XXXX increasing is the exact amount that is due to return to the vehicle. The previous XXXX agents were aware that my mother is deceased so why is random agent number XXXX increasing the total owed on a whim by XXXX? They also informed me that the vehicle could be sold within XXXX  days and I would still owe the balance but they're not putting the car in any of our names but would try to collect the debt from us. XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Someone that was not me was allowed to open a checking account they clearly did not verify my old security word and any other information

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have suspicion to believe XXXX of my children 's XXXX 's were used for a tax return that we did not authorise. Their SSN Identity might have been compromised. They are all under the age of XXXX XXXX XXXX, so I can not get a credit score/rating in their names done. It was advised to lay a complaint regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
Bank errors in billing and reporting have caused multiple inaccuracies that are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are obligated to accurately reflect all payments and credits, yet several of my payments were not properly recorded. There are also clear calculation errors in the reported amounts. Furthermore, I was not provided with the required XXXX notice before a payment was due, which makes any reported late payments invalid. These inaccuracies are in violation of federal law and are unfairly damaging my credit profile.

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 2025-11-05 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: MD

Complaint narrative:
I bought some apparel for XXXX XXXX month from an ad on XXXX. i used PayPal credit. First I HAD to provide proof the company overcharged me and they did credit me. Then It's half way through XXXX XXXX month and I have received NOTHING. I contact the company again and they send shipping info. Clearly, it is NOT made in the US and coming from another country. I only knew XXXX because that was the name on the charges. 

I contact company again and again and it's like a broken record player but now I am being told the status says delivered. I contact them again and again to say I HAVE checked with neighbors and office but no package. Then they tell me items are coming in XXXX packages... I had not even received XXXX and they could not tell me what was in each package and finally they just started to IGNORE me. 

I filed a dispute with XXXX and they got back to me denying my claim because the company said the package was delivered. REALLY??? 

After all this and just this month I received the " XXXX package '', which was XXXX t-shirt.

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 2025-11-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I am refiling because my previously approved HUD FHA loss-mitigation plan under XXXX XXXX XXXX  ( XXXX ) was not honored by Carrington Mortgage Services after the servicing transfer in XX/XX/year>. 
This violates Regulation X, including 12 C.F.R. 1024.41 ( k ) ( 3 ), which requires a transferee servicer to treat a pending or complete loss-mitigation application as facially complete upon transfer. 
Carrington voided my approved HUD partial claim, demanded new signatures, and never issued a Notice of Complete Application as required by 1024.41 ( c ) ( 3 ). They also failed to acknowledge my written request within XXXX business days ( 1024.35 ( d ) ) and refused to accept payments during active review ( 1024.41 ( f ) ). 
I am requesting : Full reinstatement of my XXXXapproved partial claim and modification ; Written confirmation that no foreclosure or credit reporting will occur during review ; Production of the complete transfer and loss-mitigation file from XXXX to Carrington ; and CFPB oversight and penalties for repeated RESPA/Regulation X violations. 
Please see my previous complaint # XXXX for history and attach the same documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
XXXX XXXX, XXXX  can find no record of tax payment. Shellpoint recently sold our mortgage to a new servicer. For the last week I have been requesting proof of payment. A simple payment history is insufficient for the county. Over the last XXXX days I have been told XXXX  times proper docs would be snet to my email. So far I have received nothing.

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 2025-11-05 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: Experian Information Solutions Inc.
State: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, This is a request under the FCR Act 15 U.S.C. 1681i and 1681c for Equifax to delete all obsolete, outdated or inaccurate personal identifying information from my credit file, including former addresses and name variations that are no longer correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: IL

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

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 2025-11-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the following items on my Experian credit report that I believe are inaccurate or incomplete. 

Disputed Accounts - Charged Off : ( There are no accounts in dispute for this bureau. ) Disputed Inquiries : XXXX XXXX XXXX, Date Opened : XX/XX/XXXX XXXX XXXX, Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX, Date Opened : XX/XX/XXXXXXXX XXXX, Date Opened : XX/XX/XXXX XXXX, Date Opened : XX/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