vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Issue : Bank denied dispute without reasonable investigation ( Regulation E violation ) TRUIST XX/XX/XXXX Account number ending in XXXX Details : I am disputing XXXX {$240.00} ACH charges from XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These charges were for full-service marketing/XXXX  services that were never delivered. 
Hosting ( $ XXXX ) was billed separately. 
Website edits ( {$170.00} on XX/XX/XXXX ) were billed separately. 
The {$240.00} charges were specifically for XXXX XXXX ( reports, citation updates, XXXX XXXX XXXX XXXX XXXX backlinks, campaigns ). None of these services were performed. 

Truist denied my dispute on XX/XX/XXXX, stating only that the charges were authorized and that I received benefit. This is inaccurate and fails to address the core issue : services not rendered. 

Violations of Regulation E : 1. Truist denied the claim without ever contacting me for my side of the case.

2. I do not believe Truist contacted the merchant for documentation either.

3. Truist has refused to provide me with copies of any merchant evidence used in their decision.

4. Truist treated authorized = valid as the only factor, which is not a reasonable investigation under Regulation E. 

Requested Resolution : Reinvestigate my claim properly. 
Provide copies of all merchant documentation. 
Reverse the three charges totaling {$740.00}, as the contracted services were never delivered.

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 2025-08-28 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: CA

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts have been added to my credit reports without my knowledge or consent. I am requesting that these accounts be investigated and blocked under FCRA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I used a promotional offer with Synchrony Bank under their Care Credit terms. In XXXX of 2025 I only had about {$370.00} left to be paid. In XXXX I used Care Credit again for a Vet visit. Somehow between XXXX and XXXX, I was charged {$460.00} of interest on a {$370.00} balance which should have been paid off since I was making {$170.00} payments monthly. I am not sure how they were applying the payments as it doesnt show it on my bill. I want to report this as I believe they applied my payments to the new balance to make me pay interest on the old balance.

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 2025-08-28 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:
These accounts come with a statutory 15-day deadline for clearance under 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
Consumer complaint received 2025-08-28 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: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NJ

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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
* * * PLEASE REVIEW ATTACHED SUPPORTING DOCUMENTS * * * Problem : Inaccurate Reporting and Improper Collection Activity XXXX XXXX & XXXX XXXX Summary of Complaint : I am disputing inaccurate credit reporting by XXXX Funding on my Equifax credit report. This same account has already been removed by XXXX  and XXXX  for the same inaccuracies. The disputed debt originates from my prior credit card account with XXXX XXXX ( Account # XXXX ). 

On XX/XX/XXXX, I reported my XXXX XXXX card stolen. At the time of closure, my balance was {$0.00}, confirmed in writing by XXXX XXXX ( see attached affidavit and letter ). Despite this, the account remained open until XX/XX/XXXX, and fraudulent charges were not credited until XX/XX/XXXX. I made timely payments for all legitimate charges. Any late penalties were tied to fraudulent amounts from which I was later exonerated. At present, Equifaxs reporting shows 30-day and 60-day late payments for XXXX and XX/XX/XXXX, which are inaccurate. The account should be reported as : Closed at consumers request Paid in full XXXX late payments. Unfortunately, at the time of inaccurate reporting- XXXX XXXX Account ( Account # XXXX ) purchased my account from XXXX XXXX as a collection company. This collections agency lists a {$280.00} balance as of XX/XX/XXXX, opened in XX/XX/XXXX. This debt is invalidit is directly tied to the same fraudulent charges already credited back by XXXX XXXX. The continued reporting and request for debt not accumulated by me is violates : FDCPA 15 U.S.C. 1692e Prohibiting false, deceptive, or misleading representation of the character, amount, or legal status of a debt. FCRA 15 U.S.C. 1681s-2 Prohibiting the reporting of information known or believed to be inaccurate.

Again, PLEASE REVIEW SUPPORTING DOCUMENTS this is my 5th attempt to resolve this matter with Equifax as both XXXX  and XXXX  have already removed this inaccurate reporting and violating debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-28 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:
Please remove this false and unrecognized account from my credit report, as it is not associated with me.

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 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a XXXX credit card. When contacting XXXX about an issue with XXXX of their card carriers you are routed back to the card carrier. It would appear that there is no oversight by XXXX over their card carriers. There are numerous problems that my credit card company creates that shouldnt be happening. XXXX involved with people that are trying to thwart the overthrow of our government. The problems I have encountered could be directed at me specifically. If your office has investigators that work on complaints please have XXXX of them contact me at ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This correspondence is a formal dispute regarding a fraudulent account listed under my credit report. I did not authorize or open this account, and I have no connection to it. Its inclusion is entirely false and continues to harm my creditworthiness.

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 2025-08-28 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:
By law ( USC 1681g ), these accounts must be resolved in 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG FINANCIAL CORPORATION
State: IN

Complaint narrative:
I received a email for this debit on XXXX XXXX that stated I had until XXXX XXXX to dispute it.The notice was sent from XXXX XXXX XXXX XXXX. The original debt is from Xact .The collection agency put this debt on my credit report on XXXX XXXX and has now marked it XXXX  days late even though I was told in the correspondence I hade until XXXX XXXX to dispute it. I went on the collection agency website to dispute it on XXXX XXXX XXXX marked it as XXXX  days late on my credit report XXXX XXXX. I believe that the loan which I took out in XXXX  has a illegal interest rate and that is why I disputed it.The debt collection agency also has them as the original creditor on the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I applied for a credit card with American Express ( ref. XXXX ) and was denied based on bankruptcy. After receiving the adverse action notice, I wrote to American Express by certified mail and received a second adverse action notice. I then wrote American Express again, by certified mail requesting reconsideration, a compliance review, certified return of my application, statement confirming the lawful basis for its retention, use, or destruction, and clarification of intent to deny the extension of credit despite consideration received. 

Under the Equal Credit Opportunity Act ( ECOA ), creditors are required to provide timely and accurate written explanations for denial decisions and to properly respond to my certified correspondence, which I believe is a compliance violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: Early Warning Services, LLC
State: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely 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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Cease and Desist To Whom It May Concern, I am writing in regard to the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist from all further communication with me in regard to this alleged debt. 

Please note the following : 1. You are to stop all telephone calls, letters, emails, or other forms of contact with me immediately.

2. You may only contact me once more to confirm that there will be no further communication or to notify me of any specific legal action you intend to take.

3. Be advised that any further attempts to contact me, other than as permitted by law, will be documented as harassment and reported to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state Attorney Generals office. 

This letter is not to be construed as an acknowledgment of the validity of the alleged debt. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX To Whom It May Concern, I am disputing the accuracy of the following information on my credit report : Creditor/Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX : Open Revolving Account with Balance Due This information is being reported inaccurately. This is a collection account and can not legally be reported as an open revolving account. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report information accurately ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

By reporting this debt as an open revolving account, the furnisher is misrepresenting the type of account and violating the FCRA. Please conduct a reinvestigation as required under 15 U.S.C. 1681i ( a ), and either : 1. Correct the reporting to reflect the true nature of the account ( collection account, closed to future charges ), or 2. Delete the account entirely if accurate reporting can not be verified. 

Please provide me with the results of your reinvestigation in writing. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 non-monetary relief