vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to be absolutely clear, this is not a misunderstanding. My credit report contains multiple incorrect entries that fail to meet the standard of accuracy required by law. These repeated inaccuracies are causing tangible harm to my finances and wellbeing, creating undue hardship and stress. This situation is unacceptable and must be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Friday XXXX XXXX, I deposited {$100.00} in XXXX {$20.00} bills at the Truist branch located at branch address at XXXX XXXX XXXX The deposit was made through the ATM. I called customer service all weekend. They promised to look into this as soon as possible. Truist has nit made my funds avaliable. They are just calling customer service who aren't answering the phone. They are just making sure I don't money. TRUIST really hates iits customers and its employees. 


The funds never appeared in my account. I called Truist Customer Service several times between [ insert dates ], and representatives admitted they could not locate the deposit or the branch manager. They also stated they had tried calling customers who are not answering, which makes no sense because I am the depositor. 

It has now been several days, and Truist has failed to credit my account, locate the funds, or provide an investigation reference number. I rely on this account for essential expenses, and this missing cash has caused significant hardship. 

I am requesting the CFPB ensure that Truist immediately investigates, locates my deposit, and credits the {$100.00} to my account, as required under federal banking regulations governing deposit errors. 

Requested Resolution : Credit my account for the missing {$100.00} and provide written confirmation of the investigation results

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a check from my car insurance for an accident. Regions held the check for XXXX weeks which I knew would likely happen. The funds were released and I went to buy a car. My whole account was frozen on XX/XX/XXXX, the day after the funds released. they placed a hold on my account including all the money I previously had in the account. They said I needed to go to the bank with documents proving the check deposit was legitimately mine. I went to the bank XX/XX/year> and they took the settlement forms. I also contacted the adjuster and asked her if she would be willing to talk to them or send info if needed. She said she would. The bank took the documents and said they didnt need anything additional from me. They said it will take an hour or so to review documents and release the hold. Then I got a phone call about XXXX hours later that they were not removing the hold and it will be XXXX or longer for a resolution. I asked them why they couldnt release the hold and they stated because it needs further investigation. I asked what the investigation was for and they said to make sure everything is fine. They said the check cleared but they are maintaining the hold on the account. My mom put down the money to hold my car that this money was supposed to pay for and we were supposed to go pay the rest today. Regions says they can not provide anything in writing as to why or what would release the hold. I need something in writing to show the dealership that what we are saying is true but they wont provide that either. I dont understand why a check from an insurance company, made out to me, that cleared, and I have the settlement paperwork would be suspicious enough to freeze my entire 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 explanation
Consumer complaint received 2025-10-20 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: Central Research Inc
State: NY

Complaint narrative:
Complaint Summary Central Research , Inc. is inaccurately reporting six ( 6 ) missed or late payments for my student loan account. I have been making consistent payments toward this debt as agreed and am not in default. Despite my active payment status, CRI continues to report negative payment history to the credit bureaus, which is damaging my credit standing. 
Detailed Description I, XXXX XXXX, am filing this complaint against Central Research , Inc. ( CRI ) for false and inaccurate reporting to the credit bureaus regarding my student loan account.

CRI is reporting six missed or delinquent payments, but this information is incorrect. I have been submitting regular payments, and my account should not be listed as in default. 
I have payment confirmations showing that my payments have cleared on time. However, these have not been reflected in the credit reporting updates from CRI.

This inaccurate reporting is causing significant harm to my credit score and misrepresents my payment behavior. It also appears to be in violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers of information from reporting data they know ( or should know ) is inaccurate.

I have attempted to contact CRI directly to correct this matter, but the inaccurate reporting continues.

I am requesting that CRI : Immediately investigate and verify my payment records. 
Cease reporting any missed payments that are inaccurate. 
Update all credit bureaus to reflect that my account is current and not in default. 
Provide written confirmation of corrections made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: KY

Complaint narrative:
On XX/XX/year>, I was credited with an {$88000.00} Gift Bonus from XXXX XXXX XXXX, a sweepstakes gaming site. The app clearly presented this as redeemable cash, and I played using those funds. I later attempted to redeem {$29000.00} of legitimate winnings, and XXXX XXXX  support confirmed and approved my redemption in writing ( Your prize redemption has now been approved. Congratulations on your fantastic win! ). 

A few days later, they reversed the winnings and claimed it was a system misunderstanding. After that, I filed a dispute through Cash App for all my purchases to XXXX XXXX. It has now been over XXXX business days, and Cash App has not provided an update or a provisional credit, which appears to violate Regulation E time limits for handling disputes.

Im requesting that Cash App and Block, Inc. properly process my dispute, provide a provisional credit while the investigation continues, and review the attached evidence showing that XXXX XXXX XXXX  engaged in deceptive conduct. 

I have attached screenshots of XXXX XXXX  support confirming my redemption approval and later reversing it without explanation. 



Resolution requested : > A full refund of all purchases made to XXXX XXXX XXXX  through Cash App and a written update on my dispute status, including provisional credit if the investigation continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2025-10-20 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: NJ

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
On XX/XX/year> I contacted XXXX by phone to request they make a reservation for me at XXXX XXXX XXXX XXXX location for XX/XX/year>. I was returning from a cruise vacation on XX/XX/XXXX and my return flight did not did not depart until XX/XX/XXXX. My Apple Card was charged {$100.00} for the reservation. 
When I was dropped by a driver at the XXXX XXXX on the morning of XX/XX/XXXX to check in I was informed that they had no reservation for me for that date, but they did have vacancies if I wished to pay for the nights lodging ( receipt for {$120.00} attached ). 
At my request Apple Card provided me with a XXXX page document from XXXX that they were using to evaluate my dispute. 
A careful reading of the XXXX document shows that they accepted my payment, but nowhere on the document do they say that they made a reservation for me and no location or hotel name is stipulated in the document. 
My calls directly to XXXX yielded nothing but endless time on hold and transfers to others who could not help me. 
I have been disputing this charge with Apple Card since XXXX of 2024 and am now of the belief, based upon the clear evidence provided by both sides of the dispute, that Apple Card and Goldman Sachs have a XXXX  XXXX XXXX XXXX of protracting valid disputes regardless of evidence provided to encourage their cardholders to give up against unreasonable decision making and just pay the disputed charge. 
I am not that customer. I received no product or service for my payment and refuse to pay for value I did not receive. 
I have no relationship with XXXX, but I am a long term customer of Apple Card. I pay all of my valid expenses on time and as agreed, and I have a reasonable expectation that Apple Card should protect the interests of heir customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Multiple attempts were made to obtain accurate account details from XXXX XXXX. On XX/XX/XXXX, after speaking with XXXX ( XXXX ID XXXX ), it was confirmed that the account charged off on XX/XX/XXXX, with the last payment of {$40.00} made on XX/XX/XXXX. 

However, the credit report lists the account opening date as XX/XX/XXXX, and the first date of delinquency as XX/XX/XXXX, XXXX impossible timeline since delinquency can not occur before an account is opened. 

This factual inconsistency violates XXXX XXXX. XXXX ( b ) of the Fair Credit Reporting Act, which requires credit reporting agencies to ensure maximum possible accuracy in consumer reports. 

Enclosed is a copy of the account from Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
On the morning of Thursday, XX/XX/XXXX, I received a phone call advising that there was fraudulent activity on my account. The phone call that came in was from chime financial, which is what the caller ID said. It had the exact same phone number that you would call chime financial on. They advise me that I had fraudulent activity on my account and that I needed to close one account and open another account from when they then made me transfer all of my funds from my account to another account using my two initials and what they told me was a routing number and account number. Once the account was then transferred all of my funds to the new account I was then hung up on. I quickly called back the number that they had called me from and I contacted child financial to find out why I was hung up on and that is when they advised me that my account had been fraudulently scammed out of all of my funds my entire direct deposit paycheck from the evening before I then while crying online I then call them advise them of all of this information while also doing a police report and advise them, I did not approve this transaction I was in. I was advised it was from chime financial because they called me from a chime financial number. I had already received. Text messages advised me of fraudulent activity and charges that were trying to be done on my account so in reality, I thought this was chime. I was fraudulently scammed out of my entire paycheck, making me trying to find money for bills as well as bills that are now gon na be overdue because they have now scammed me out of my entire check I did the police report I showed proof I sent them screenshots and text messages and they still denied my claim. I dont know what to do as I sit here and try to contact people to borrow money from to get bills paid so that Im not sitting in here with my child in the dark because my whole entire paycheck has been stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Can not remember where and whats the name of the car companies but I have multiple hard inquiries on my reports for trying to get a car

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