vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year>, I deposited XXXX XXXX money orders totaling {$2000.00} into my newly opened Truist Confidence / Checkless Banking Account at the XXXX XXXX XXXX XXXX in XXXX, XXXX My deposit receipt confirmed the funds would be available on XX/XX/year>. 

Instead, on XX/XX/year>, I received a notice that my account was blocked due to suspicious activity, and I was immediately locked out of both the account and online banking. Despite repeated in-branch visits and direct conversations with XXXX XXXX XXXX XXXXXX/XX/XXXX ) and other Truist representatives, who verified the legitimacy of the money orders with XXXX, my funds were never released. I was told the money was moved into a CFO Centralized Fraud Recovery Account, but no claim number, investigator, or written explanation was ever provided.

Truists actions violate Regulation CC ( 12 CFR 229.10, 229.13, 229.16 ) and the Expedited Funds Availability Act ( 12 U.S.C. 4001 et seq. ), which require timely funds availability and written notice of any hold. The funds have now been withheld for over 30 days without compliance.

This mishandling has caused significant hardship. I am a recent arrival to XXXX and rely on these funds to secure housing and cover essential transportation to work. I was only permitted to withdraw {$24.00} of my deposit, leaving me financially strained, without stable housing, and unable to cover basic expenses. 

Supporting documentation ( deposit receipt, money order stubs, Truist correspondence, withdrawal slip, etc. ) is attached.

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 2025-09-10 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: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 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 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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 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 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
multiple unauthorized charges were withdrawn from my account approximately eight transactions in total. When I initially noticed these charges, I promptly contacted Bank of America for guidance. I was advised by your representative that the fastest way to resolve the issue would be to reach out to the merchant directly, which I did.

The merchant confirmed that I did not have an account with them and assured me that the charges would be reversed. However, this never occurred. After receiving no resolution and continued delays from the merchant, I contacted Bank of America again to formally file a dispute.

To my understanding, three of my disputes were approved, but the remaining claims have been denied. Ive since been told that because I contacted the merchant first as I was originally advised to do I may no longer be eligible to recover my funds through Bank of America. This is confusing and deeply concerning, especially given that I acted in good faith and followed the instructions I was given by your team. 
I respectfully request a full review of my case, including the original guidance I received from your representative and the timeline of my outreach to both the merchant and Bank of America. These were unauthorized transactions, and I believe I have taken every reasonable step to resolve the issue.

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 monetary relief
Consumer complaint received 2025-09-10 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: GA

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 explanation
Consumer complaint received 2025-09-10 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this complaint against Experian for continuing to report inaccurate, incomplete, and misleading information in violation of the Fair Credit Reporting Act ( FCRA ). 

Despite numerous disputes submitted directly to Experian and XXXX, the above account continues to appear on my Experian credit report with the following contradictory reporting : Status : Charged Off ( derogatory ) Balance : {$0.00} This reporting is misleading because it suggests I still carry derogatory debt despite no outstanding balance. 

OneMains written response to the Consumer Financial Protection Bureau dated XX/XX/XXXX confirms : The account was charged off in XXXX, Collection was ceased on XX/XX/XXXX, They reported the account as {$0.00} balance and even coded as Settled/less than full balance. 

Experian, however, continues to display the account as a charge-off with XXXX balance, which is materially misleading and does not meet the FCRAs maximum possible accuracy standard under 607 ( b ).

Failure of Reasonable Reinvestigation : I have disputed this account repeatedly with Experian. Each time, I received a generic verified as accurate result, without Experian providing the method of verification as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Experian has relied solely on automated responses from e-OSCAR rather than conducting a reasonable reinvestigation. 

I also submitted an FTC Identity Theft Report ( # XXXX ), yet Experian failed to properly apply the protections under FCRA 605B, which requires blocking fraudulent or unverifiable accounts.

Violations : FCRA 611 ( a ) : Failure to properly reinvestigate disputed information and provide the method of verification.

FCRA 607 ( b ) : Failure to ensure maximum possible accuracy.

FCRA 605B : Failure to block or remove disputed information tied to identity theft.

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 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing fraudulent accounts that have been wrongfully reported under my credit profile. These accounts are not mine, were never authorized, and have no basis for inclusion on my credit file. Their reporting misrepresents my financial history and subjects me to harm that I should not be held responsible for. The continued listing of these fraudulent accounts damages my creditworthiness and reputation, and is a clear violation of the standards of accurate credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One has intentionally removed the " remaining statement balance '' feature from their app claiming that it was confusing to customers. This is making it more difficult to understand what the remaining statement balance is when making payments towards their credit cards. Unless you do the math every month, you will not easily know what is left to pay. This either causes customers to overpay to avoid the risk of interest, which benefits the company, or the customer is hit with interest on the unpaid amount for the month, which also benefits the company. Every other credit card company has a " remaining statement balance '' feature. This is predatory practice by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: ID

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 2025-09-10 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: Affirm Holdings, Inc
State: AL

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 2025-09-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: OH

Complaint narrative:
I am filing a complaint against Clover regarding the termination of my merchant account and possible wrongful placement on the XXXX MATCH list.

I opened a Clover merchant account and processed a small first deposit under {$900.00}.

I had no chargebacks, fraud, or policy violations.

Clover withheld my funds without explanation.

After I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), Clover released my funds.

Immediately afterward, Clover terminated my account without providing a valid reason. 

I have reason to believe I was reported to the MATCH list, which severely restricts my ability to operate a business. 

I believe this termination was an act of retaliation for exercising my right to file a complaint with the CFPB.

Requested Resolution : 1. Full explanation of the reason code used for my termination and/or MATCH listing.

2. Removal of any inaccurate or unjust MATCH reporting.

3. Restoration of fair access to payment processing services.

4. Assurance that I will not face retaliation for exercising my consumer rights.

This situation has directly harmed my ability to conduct business, and I respectfully request the CFPB to review Clovers practices for compliance with applicable consumer protection and fair business regulations.

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 2025-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CHERRY TECHNOLOGIES INC.
State: GA

Complaint narrative:
Cherry provides financing does not verify the credentials of the provider or legitimize an illegal operation.

Subject : Complaint Regarding Fraudulent Practices I am writing to bring to your attention serious concerns regarding XXXX XXXX XXXX XXXX XXXX LLCs operations, specifically in relation to my interaction with their services. I initially inquired about the replacement of two teeth and was informed that the clinic could provide this service. They advised me to finance the procedure through Cherry, for which I was charged an additional fee imposed by Cherry to the company. However, the contract clearly states that it is for medical goods and services, yet I did not receive any legitimate medical service. The procedure I sought involved dental work, which I was misled about. It is important to note that this establishment is primarily a salon and spa, as confirmed by the Secretary of State of Georgia. The individual I interacted with is not a licensed dentist or medical provider. This appears to be a fraudulent operation, as they are presenting dental services, such as veneers, XXXX XXXX XXXX XXXX XXXX XXXX, etc., under the guise of salon and spa treatments to Cherry. Cherry is now seeking payment for services that were never rendered. I did not receive any medical services from a licensed provider, nor any salon or spa services. After signing a contract for two tooth replacements, I assumed I was dealing with a legitimate dental office. Instead, I received composite teeth that detached within three days. This company is misrepresenting itself on social media as a legitimate provider. The contract I signed pertains to services that I never received. I urge you to investigate this matter promptly to protect others from similar experiences. Thank you for your attention to this serious issue. SERVICE : XX/XX/year> found out all this information today about the company. This lady does not have any license dentist in the office. She does all the work UNLICENSED State of Georgia you must be a license dentist to do this type of work and a dentist can't work in a business that license doesn't says dentist or medical. This business license & county license says salon & spa. A dentist office has HIPPA rights, requirements are most aggressive than a salon. This company is misrepresented its self to cherry financing to use there financing services. This company can't do medical or dentistry work. Cherry thinking it's a legit business & financing for them on contracts for service that's not rendered. Composite Bonding is No Medical procedure and also REQUIRES A LICENSE DOCTOR. I was scammed Add on : you signed contract and get financing through cherry before your appointment at this illegal place. You don't know it's illegal until you there. Then cherry will not do anything about it but how was I supposed to know it's illegal??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/year> my checking account was suspended without any warning. No call or email. After contacting company they just told me to wait for an email detailing my next steps within 24 hours. The next day I had not received any email. I reached back out and was told they would escalate the situation but nothing could be resolved over the phone, only via email. I asked to speak with supervisor and was told they have 3-5 business days to review situation. All of my funds are in this account causing me to not be able to pay bills or take care of everyday expenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I have a complaint against Synchrony Bank Care Credit Card, I have been trying to use my debt cancillation benefit since XXXX of XXXX. 
I worked as a contract worker for an offshore ( XXXX ) for 6 months with the contract ending in XX/XX/XXXX. I was paying my payments out of my savings in the hope of getting another gig... I ran out of savings and was unable to pay my bill. I applied to have my debt cancelled in XX/XX/XXXX. I have received and given this company all of the information very soon after receiving the checklist. Being a non-traditional contract job, I do not pay unemployment, nor have any deductions at all and must report and pay all required fees to the IRS. 
I have been constantly on the phone and sending items both via email and regular mail to fulfill my obligations of information required. Synchrony continuously asks me for things like : Denial letter from Unemployment ( I have applied in the past- have even called this occasion- told not to bother-as I did not pay into fund ). 
Employer Verification- my contract has ended, I did reach out to my past employer, he did not feel obligated to provide me with any confirmation documents. 

I am unable to provide these items to Synchrony Card Security, have provided them with : My contract-showing the end date. 
Proof of final 2 payments - at end of contract Any other documentation that I am able to provide.

I have included my letters to them, call logs and harassment calls received by them, their request letter ( I have recewived this same request about 10 times ).

Although I canceleld the Debt canceleation insurance- they continue to add it to my balance.

I just want to utilize the benefit that I have been paying on- for the covered issue.

Synchrony Card Services have no intention of meeting their obligations, hence, I am reaching out to you ... this is a form of theft in my opinion.

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 2025-09-10 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:
Kindly eliminate these erroneous accounts within 15 days, pursuant to USC 1681g.

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