vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a car loan account with Truist Bank. For XXXX years I have always made payments on time and have never missed a payment. They are set up as recurrent automatic monthly payments. 
I closed the personal XXXX bank account that was set up with the recurring payments and proceeded to added the new XXXX bank account details and set it up for recurring payments. 
I cloud not figure out how to remove the old ( closed ) bank account- I didnt not see any options on the banking app and so I figured that adding the new bank account would automatically remove the old XXXX. 
Turns out payments were withdrawn from both accounts but since the old XXXX account was closed it was processed as a returned check and I ended up with a {$25.00} returned check fee. 
I called today ( XX/XX/year> ) to request that the fee be waived. I explained all of the above and expressed how difficult it was to remove the closed XXXX account and asked them to consider my excellent payment history. 
They informed me that they can not waive any fees. 
I asked to speak with a supervisor, XXXX who told me the same-no exceptions to waiving fees but that she would escalate my concern about the difficulty with updating/removing the old bank account.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FIRST PORTFOLIO SERVICING INC
State: AZ

Complaint narrative:
XXXX {$430.00} with a due payment of {$82.00}. These were fraudulent transactions that I have no knowledge of. {$470.00} with a {$82.00} due payment. This account was closed and charged off because of fraudulent activities

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: IL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts for my report. They are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: IN

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: EQUIFAX, INC.
State: IN

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
On XX/XX/year>, I called XXXX intending to pay the balance of about {$650.00} in full. During the call, I spoke with a representative named XXXX XXXX, as well as a supervisor. I asked multiple times if they could provide written confirmation that they would submit a request for deletion of the collection account from my credit report after full payment. 

I was very clear I was not asking for a guarantee that the credit bureaus would delete the account. I only wanted written confirmation that XXXX would make the request, which is a standard consumer protection ask. 

Both the representative and the supervisor presented their responses as if they were agreeing to my request but then immediately shifted into misleading and evasive language, such as : Itll be updated We wont have a reason to report it anymore Itll come off your collections account after 30 to 60 days These statements were designed to sound like agreement, but they deliberately avoided answering my specific question. When I repeated my request and asked for any form of written confirmation that a deletion request would be submitted, they refused and stated they dont do that for everyone and cant put it in writing. 

I believe this interaction was intentionally misleading and aimed at manipulating the consumer into payment without accountability. Their responses were vague by design, intended to create the impression of cooperation without any commitment to our verbal agreement. I believe this was done intentionally and in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: MA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
There are late payments on this account ( XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which is hurting my credit report badly. I want to make sure that everything is accurate, therefore I want you to look into it for me. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There are late payments on this account ( XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which is hurting my credit report badly. I want to make sure that everything is accurate, therefore I want you to look into it for me. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and 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 2025-06-09 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: MI

Complaint narrative:
The XXXX XXXX XXXX is reporting false information on my credit report. The inaccurate information maintained on my credit report has not only resulted in significant financial harm but has also caused substantial emotional distress. I have requested that the inaccurate information be removed from Experian, Equifax and Transunion, but the inaccurate information still remains on my credit report as of XXXX. The false representation of my personal and financial information is a clear act of fraud. It has deceived creditors and financial institutions, leading to higher interest rates, denial of credit, and an overall detrimental impact on my financial standing. This constant struggle to rectify these inaccuracies has inflicted undue stress and anxiety, undermining my trust in the credit reporting system. Moreover, the persistence of these errors despite multiple disputes exacerbates the situation, suggesting an element of extortion. By refusing to correct these inaccuracies, you are leveraging this misinformation to exert financial pressure on me. This coercion forces me into a position where I am compelled to take unnecessary financial measures, further aggravating my emotional and financial well-being. The distress caused by this situation is profound, as I am being unfairly penalized for errors that are beyond my control. The continuation of these inaccuracies represents a violation of my rights under the FCRA and FDCPA. The failure to correct or delete this false information, despite clear evidence and legal demands, highlights a disregard for the laws designed to protect consumers. This ongoing issue has caused not only financial repercussions but also significant emotional turmoil, impacting my daily life and overall mental health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Chime Financial Inc
State: NY

Complaint narrative:
Hi I had a account in the past but now some one hacked my personally info and took over my account wont let me have it back and I need it for Ssi direct deposit so I need some help please help me and close out that fraud account some one hacked there my info and let me open. A account asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Sent a letter dated XX/XX/XXXX disputing the accuracy of a late payment on account starting with XXXX * * * * * * with Usaa indicating I was not late I got a letter from them stating its been verified as accurate. 

I than sent a letter dated XX/XX/XXXX which stated USAA FEDERAL SAVINGS Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : " I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

It is now XX/XX/XXXX and I still have yet to receive the documents I requested. They are in violation of the FCRA and Im requesting the negative information be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Synchrony Bank XXXX XXXX XXXX XXXX Customer Service I dispute and express my concern regarding the handling of my credit account with this institution. My account currently shows a credit bank balance of {$1700.00}, yet I am being told that I can not use the card for any services unless the balance is paid in full or that I must increase my credit payment. Card was only use XXXX time for a purchase and couldn't use it anymore due to credit balance. I had to use my own cash to pay for service. 

When I applied for this card, I was not accurately informed about these limitations. The information provided at the time of application did not mention that I would be unable to use the available credit unless I met specific payment conditions. This lack of transparency feels misleading and deceptive. 

Furthermore, I have cancelled the Care Credit card, yet I am still being held financially responsible for payments on a card that is neither active nor usable. This is both unreasonable and unfair.

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 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Im writing to follow up on complaint number XXXX, which I submitted on XX/XX/year>, regarding my Apple Card account managed by Goldman Sachs . I received a phone call in response on Friday at XXXX PM, but due to being at work, I wasnt able to answer. I returned the call on Sunday but was informed that the Collections Department was closed and that I needed to call again during business hours. 

Today, I called during those hours and was transferred between multiple departmentsat least XXXX or XXXX times. Each representative either told me I needed to be transferred, that they couldnt assist, or that they werent sure what was going on. Some claimed they were connecting me with the right person, only for me to be passed off again. XXXX representative even confirmed I had reached Collections but still couldnt assist me. It felt like I was being tossed around like hot potato, with no one truly taking ownership of the issue. 

After over XXXX minutes on the phonemostly on hold or being reroutedI was still left without a clear answer or resolution. I had to press just to have a note added requesting a callback after XXXX XXXX XXXX, which is the only time Im available due to work. This lack of consistency and accountability is frustrating and concerning. 

I want to reiterate that Im more than willing to work with the appropriate team to resolve this. However, I need to be connected with someone who is informed, capable, and empowered to assist. At this point, I do not feel my concern is being taken seriously, and the lack of clear communication has only prolonged my financial stress. 

This situation has not only delayed progress on my account but has also affected my peace of mind and workday. Ive done my part to follow up and cooperate responsibly. 

I respectfully request that someone from the correct department reach out to me after XXXX XXXX XXXX with clear next steps. If a callback is not possible, I would appreciate receiving written communication outlining the necessary steps to resolve this matter. 

Thank you for your time, and I hope this issue can be escalated appropriately for prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I did not authorize these hard inquiries. This issue has cause undue stress and is negatively affecting my financial standing. 

My personal information was exposed in the XXXX data breach, and my social was leaked in the national public data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
Dear Equifax, I am writing to formally dispute an account listed on my Equifax credit report. The account reported by XXXX XXXX is inaccurate and possibly fraudulent. I request a full investigation under the Fair Credit Reporting Act ( FCRA ) and that this item be corrected or removed as appropriate. 

Account Details : Creditor : World Finance Account Number : Status : Derogatory/Inaccurate Date Opened : Balance Dispute Reason : I have no knowledge of this account and never authorized any agreement with World Finance XXXX 

The account XXXX have been opened in error or due to identity theft. 

No documentation has been provided to validate the debt. 

I am requesting that Equifax conduct a prompt and thorough reinvestigation and notify me of the outcome. If the account can not be verified, it must be removed immediately as required by the FCRA. 

Sincerely, 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