vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am submitting this complaint seeking investigation into Truist as they have stolen {$6800.00} from me by setting up an account and claiming it flagged an alleged fraud investigation. On XX/XX/2025, I went into the XXXX XXXX XXXX, VA Truist location and deposited multiple checks consisting of XXXX XXXX  my employer, and state-issued child support checks. On XX/XX/XXXX, a letter was issued claiming my account was under investgation. I have been to bank several times and on the phone for hours unsuccessfully attempting to resolve this issue. I was told by XXXX that his former team mate at Truist, XXXX XXXX, incorrectly entered a number off my drivers license and incorrect amount had been entered on checks. He was told by fraud division for me to return to the bank in 10 business days and when I did, I learned XXXX XXXX had been fired after he himself spoke with the fraud division demanding to know what was the issue with my account. I was even sent to other branch locations with Truist at XXXX XXXX claiming there was no manager available at the XXXX XXXX location. Fraud division also told XXXX XXXX before he was fired for me to return after 5 business days and when I did was given the run- around. Here it is late XXXX and I have not heard from Truist and the bank still has all of my money with no report or plan to return it to 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 explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-20 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: MA

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent reporting across Equifax, Experian, and TransUnion. Despite submitting disputes, the accounts remain incorrect and continue to harm my credit profile. 
XXXX XXXX Credit Card ( XXXX XXXX XXXX XXXX XXXXXXXX ) : Conflicting Date of First Delinquency and removal dates. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) : Reported as consumer disputes, unpaid charge-off, and seriously delinquent depending on bureau. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Paid charge-off with conflicting dates ( XXXX XXXX XXXX, XXXX closed XXXX, XXXX  removal XXXX ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) : Reported as paid/was charge-off by some bureaus but missing from others. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Reported as sold/was charge-off by XXXX, sold/transferred, paid/was charge-off by XXXX, and not listed by XXXX. 

These discrepancies violate FCRA 611, which requires accurate and consistent reporting. I request the CFPB require the bureaus and furnishers to reinvestigate with proper documentation, correct or delete unverifiable accounts, and ensure consistent reporting across all three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 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: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


2. Incorrect Employers :. My correct Employer is : XXXXXXXX XXXX XXXXXXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-09-21 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: FL

Complaint narrative:
Delete Immediately XXXX XXXX  Account Reporting in Violation of the Law Remove immediately and delete this account from my credit file, as it is being reported in direct violation of federal law. Disputed Account Information Furnisher : XXXX XXXX  Original Creditor : XXXX  XXXX XXXX Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} Date Opened : XX/XX/XXXX ( Experian/Equifax ) XXXX XX/XX/XXXX ( XXXX  ) Status : Collection / Charge-off Derogatory Date Last Active : XX/XX/XXXX ( XXXX ) vs. XX/XX/XXXX ( Experian ) vs. XX/XX/XXXX ( Equifax ) Last Reported XXXX XX/XX/XXXX This account is inaccurate, inconsistent, and unverifiable. Each bureau reports different dates, statuses, and comments, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). XXXX  lists it as a collection account opened XX/XX/XXXX with last activity XX/XX/XXXX. Experian lists it as an open account derogatory opened XX/XX/XXXX. Equifax lists it as a collection account opened XX/XX/XXXX but shows last activity as XX/XX/XXXX, which is contradictory. Legal Violations 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy. 15 U.S.C. 1681i : Duty to conduct a reasonable reinvestigation of disputed information. 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) : Prohibits furnishers from reporting information known to be inaccurate. By continuing to report this account, the credit bureau is in willful noncompliance with federal law. Resolution Demanded I demand that you : Delete immediately the XXXX XXXX  tradeline ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX  ) from my credit report. Provide written confirmation of deletion within 15 days. Cease reporting this inaccurate and unlawful account to any third parties. Notice of Intended Action If you fail to comply, I will escalate by filing complaints with the FTC, and my State Attorney General, and pursue civil remedies under 15 U.S.C. 1681n & 1681o for statutory and actual damages, defamation, and emotional distress. This matter is urgent and directly affects my financial stability. I expect full compliance with the FCRA without delay.

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 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Issue Summary Security Credit Services is inaccurately reporting an account originally from XXXX XXXX. The reporting contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Illegal Re-Aging of Debt ( FCRA 623 ( a ) ( 1 ), 607 ( b ) ) The account reflects a 'Date Last Active ' and recent reporting activity ( XXXX 2025 ), even though I did not make a payment or have any communication with Security Credit Services during that time. This is false and misleading activity reporting, which constitutes illegal re-aging designed to make the debt appear newer than it is. 
XXXX. Misclassification of Account Type ( FCRA 607 ( b ) ) The account is reported as an 'Open Account ' rather than a collection account. This is inaccurate and misleading, since a collection is not an open trade line. This misclassification unfairly increases the negative impact on my credit. 
XXXX. Misrepresentation to Third Parties ( FCRA 604, 607 ) Because the original creditor is listed as XXXX XXXX XXXX ' and the account is mislabeled as XXXXopen, ' landlords and rental offices have interpreted this as a broken housing lease, rather than an electronics lease. This misrepresentation has caused direct harm to my housing opportunities, violating the FCRAs requirement that reporting be accurate, fair, and not misleading. 
XXXX. Inconsistent Bureau Reporting ( FCRA 607 ( b ) ) XXXX  shows the account as 'Open, Disputed by Consumer. ' XXXX XXXX XXXX  show it as 'Seriously past due/ Collection. ' These conflicting statuses prove the account is being reported inaccurately and inconsistently. 
XXXX. Longstanding Unresolved Dispute ( FCRA 611 ( a ) ) This account has been disputed for a significant amount of time without proper resolution. Continuing to report an unresolved, unverifiable, and inaccurately classified account is a violation of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am filing this complaint as a follow-up to my previous CFPB complaint filed on XX/XX/year>, regarding general servicing and foreclosure issues with Shellpoint Mortgage Servicing XXXX This new complaint focuses on distinct, additional violations involving a backdated letter, delayed delivery, and conflicting communications from my Single Point of Contact ( SPOC ), which have caused further confusion and hardship. 
On XX/XX/year>, I received a letter from Shellpoint Mortgage Servicing dated XX/XX/year>, stating that my complete loan modification application is under review and that no foreclosure activity will proceed during this evaluation. However, my assigned SPOC has provided contradictory verbal information, stating a different status for the review, which directly conflicts with the written letter. This inconsistency is creating extreme confusion, especially as I am a XXXX XXXX  homeowner facing an imminent foreclosure sale on XX/XX/year>. 
Additionally, the 9-day delay between the letter 's date ( XX/XX/XXXX ) and its receipt ( XX/XX/XXXX ) appears to be an unfair practice that deprived me of timely notice and the opportunity to respond effectively. As a result, I am uncertain about the true status of my application and whether foreclosure activities are truly paused. 
These actions violate federal mortgage servicing rules under Regulation X ( 12 C.F.R. 1024.40 ), which requires servicers to assign a SPOC who provides accurate, consistent, and clear information about loss mitigation options. The conflicting statements between the letter and SPOC communications breach this requirement. Furthermore, the backdated and delayed notice may constitute unfair or deceptive acts under the Consumer Financial Protection Act ( CFPA ), as it misleads consumers about the timeline of their review process. 
If foreclosure advances while my application is supposedly under review, this would also violate dual-tracking prohibitions under Regulation X ( 12 C.F.R. 1024.41 ). As a XXXX XXXX in California, these practices are causing severe emotional distress and putting my primary residence at risk. 
I have ongoing litigation against Shellpoint in XXXX XXXX XXXX XXXX ( Case No. XXXX ) for related HBOR violations, and this new inconsistency will be documented as evidence.

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 2025-09-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: KS

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I sent a total of {$5300.00} to XXXX XXXX XXXX for XXXX XXXX XXXX call leads in four transfers : {$700.00} on XX/XX/XXXX {$1200.00} on XX/XX/XXXX {$2200.00} on XX/XX/XXXX {$1000.00} on XX/XX/XXXX XXXX promised XXXX genuine prospect calls per week, scheduled a XXXX XXXX XXXX call on XX/XX/XXXX, and provided invoices and bank/Wise transfer instructions. After each payment, no real or usable leads were delivered. Follow-up emails produced only requests for additional funds. I later discovered the company was dissolved by XXXX authorities in XX/XX/XXXX, used virtual-office and residential addresses, and routinely misrepresented its services. 

Actions taken : Contacted XXXX  repeatedly by video chat and phone to request valid leads or refunds, but received no resolution. 

Initiated chargeback request Wise ( for the transfers on XX/XX/XXXX- XX/XX/XXXX ). 

Prepared a comprehensive evidence package, including all invoices, email correspondence, screenshots of addresses, and corporate dissolution records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Earlier this month we redeemed points from our Amex Platinum Business Card for e-gift cards prior to cancellation. Upon cancellation, those electronic gift cards are no longer accessible. The amount totals {$2400.00} ( {$1000.00} XXXX XXXX, XXXX {$100.00} gift cards at XXXX XXXX, {$250.00} XXXX XXXX, {$250.00} at XXXX XXXX, XXXX {$25.00} at XXXX XXXX, {$100.00} at XXXX, {$250.00} at XXXX XXXX ). Amex customer service explanation is that the systems are separate since they are separate products and closing associated account servers your ability is to view any linked information online. This makes no sense. The systems are separate but both maintained by AMEX. They maintain that the e-gift cards are cancelled because the card was. I still have 2 other Amex cards open as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
I am a victim of identfy theft and the debt colloector soure accoutable receivable is trying to collect a debt of XXXX of a XXXX XXXX  cell phone bill. That is not my debt. A perpetrator has a fake drivers license in my name, tried to take out a XXXX XXXX in Texas and tried to took out a cell phone in my name. I have sent them documentation several times and it still is on my credit report. It has destroyed my credit and I wasnt able to take out a loan for my daughter to attend college

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems , LLC ( the furnisher/debt collector ) and XXXX  XXXX XXXX the credit bureau XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2025, I mailed a debt validation request directly to Jefferson Capital. The letter was returned to me by USPS marked Return to Sender Unclaimed/ Unable to Forward. This shows Jefferson Capital refused to accept or respond to my request for validation, in violation of the FDCPA 809 ( b ), which requires debt collectors to provide validation upon request before continuing collection. 

Despite Jefferson Capitals failure to validate, the account is still being reported on my credit file through XXXX. I then disputed this account with XXXX. On XX/XX/2025, XXXX  sent me a letter refusing to process my dispute, claiming it did not appear to come directly from me. However, I mailed the dispute myself as the consumer. This refusal to process demonstrates that XXXX  is avoiding its responsibility to conduct a reinvestigation under FCRA 611. 

As a result, both parties have failed to meet their legal obligations. Jefferson Capital is attempting to collect and report a debt without providing validation, and XXXX  is continuing to report inaccurate information while refusing to investigate a proper consumer dispute. This has caused damage to my credit profile and placed me at risk of further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I went to deposit my check for {$1100.00} in my account on XX/XX/year> and they told me my funds would be available within 1 business day and they verified my check only deposited {$270.00} and put the other {$840.00} on hold. I called and ask the bank when is the rest of my money going to be in my account and here they go telling me it will be available on XX/XX/year> for verification purposes after telling me my check would be available within 1 business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My Chase credit card had an offer for 10 % cash back on XXXX XXXX for stays completed and paid on site by XX/XX/XXXX. I met all the terms by staying at an XXXX XXXX on XX/XX/XXXX ( and it posted on XX/XX/XXXX ). The charge even posted as XXXX XXXX collection - However the offer discount did not post. I inquired with their customer service via messaging and they stated I did not stay at an XXXX XXXX in that time frame. Well, when I gave them the transaction number and the date ( which literally posted as an XXXX XXXX XXXX ) and asked how this did not meet the requirements- they subsequently ignored my message and never replied back. I then placed a call into the Chase credit card customer service number in which the rep confirmed that I did meet all the requirements and that she would escalate the matter. Well it has since been 4 weeks and no one has addressed/resolved this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: RI

Complaint narrative:
Issue with Jefferson Capital Systems Validation Failure : JEFFCAPSYS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made multiple attempts to request a proper validation of the alleged debt that Jefferson Capital Systems is reporting. To this date, I have not received any valid response. 

On XX/XX/year>, I sent my first debt validation letter ( Tracking Number : XXXX ). It has been more than 30 days without any reply. 

On XX/XX/year>, I made my second attempt by sending another validation letter ( Tracking Number : XXXX ). Once again, I did not receive any response. 

Jefferson Capital Systems has failed to comply with their legal obligations under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), which requires debt collectors to cease collection and provide full validation upon request. 

I respectfully request the CFPBs intervention to compel Jefferson Capital Systems to provide proper validation or otherwise remove this account from my credit history, as their failure to respond is a clear violation of my consumer rights.

Company response to consumer: Closed with explanation