vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a fraud dispute opened on my truist bank account because someone used my card and took money. I paid my bills like normal before they closed my debit card, when I opened a new account just to be safe, they switched my debit card over to the new Account before cancelling it the next day. Well, when they did that, they also moved over every single charge on my old account from days prior to this happening, so what happened is the bank system glitched and charged BOTH accounts for all of those same exact charges. Instead of rectifying it and me and the merchants presenting all evidence of only XXXX charge being made. They took all of my money and have to take XXXX days to investigate. So I have XXXX dollars to my name. XXXX. This is illegal, they stole my money and are refusing to give it back.

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 2025-06-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NM

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$3700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$4600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$750.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$6000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-18 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:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-06-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Advanced Call Center Technologies, LLC
State: GA

Complaint narrative:
im a victim of identity theft and fraud and I have been a reporting with the company and agency about this situation since I have been going through this process i have open account with most bank and also claimed assets that are in my name and my family name also people who have l lost and i have had fraudulent claims and unauthorized use of this and businesses in my name also car insurance settlement life insurance policy investments XXXX  bank account all type of account restate escrow account health insurance for all of this and prepaid account the XXXX XXXX XXXX XXXX alot comes from out of the XXXX XXXX XXXX and from the gov thing has been changes in the systems were i cant get any information and me or other things i have called every place that i have had on my credit report also emails i get phone all i get and dont get because people are hacking my phone dont receivedmail whaen i should or change my name or ssn or dob i need help i reach out to the police department and FTC and any place to file it has been stole from me and my love ones

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. these remarks have been detrimental to my life and credit 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 explanation
Consumer complaint received 2025-06-18 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, Experian, and Equifax.

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 2025-06-18 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, Experian, and Equifax.

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 2025-06-18 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: AL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  Balance : {$1800.00} Open Date XX/XX/XXXXXXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX XXXX : {$630.00} Open Date XX/XX/XXXX Inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: WI

Complaint narrative:
On XX/XX/year>, i applied for a loan. It was denied but then i received an email that i could add a cosigner. I called and advised them i did not have a cosigner and wanted to remove my contact information as i didn't want further emails or text messages from them. I was advised that all notifications would stop. The next day, i received an additional email and text message. I called again and was told that it takes a day to be removed. I texted stop to stop the text messages. However, I have received an email every single day. I have responded to the emails with stop and unsubscribe as there's no link to unsubscribe within the email. I have consulted with an attorney who directed me to file a complaint here first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX river XXXX XXXX XXXX XXXX XXXX Florida XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 

Equifax XXXX XXXX XXXX, XXXX. Box XXXX, XXXX, GA XXXX. 

Experian Experian, XXXX. XXXX XXXX, XXXX, TX XXXX. 


Subject : Formal Dispute of Inaccurate and Unverifiable Repossession Account Under FCRA Account XXXX XXXX XXXX XXXX Opened XXXX XXXX balance as shown {$14000.00} To Whom It May Concern, I am writing to dispute the accuracy and verifiability of the repossession account currently reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation and verify all disputed information with original documentation, including my original signature.

Collection agencies and third parties generally do not possess such original, verified documentation because the information is often transferred between entities, leading to unverifiable or inaccurate reporting. As such, this repossession item fails to meet the legal requirements for verification under the FCRA and is therefore inaccurate and unverifiable.

Additionally, under 15 U.S.C. 1681c, the reporting of outdated, inaccurate, or unverifiable information violates my rights. The inaccurate or incorrect amounts reported on this repossession account have adversely affected my FICO credit score, including causing erroneous late payment marks, which is a direct violation of 15 U.S.C. 1666 ( b ) regarding dispute resolution of incorrect billing amounts. 

Given these violations, I demand the immediate removal of this inaccurate, unverifiable, and damaging repossession account from my credit report. Failure to comply with my legal rights under the FCRA will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal remedies. 

Please complete your reinvestigation within the required XXXX timeframe and provide me with written confirmation of the results. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
Capital one banking changed my account from the XXXXXXXX XXXX XXXX account they received interest from my account and did not disperse the interest to me. They kept it.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-18 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:
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 2025-06-18 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XXXX  I've been a card holder for over XXXX  years and my daughter has been a card holder for over XXXX  years. 

We recently experienced our accounts being merged. My daughter purchase are being applied to my account causing my balance to go extremely high. It's impacting my XXXX  payment, and when I call wich has been multiple times they canceled my account without my consent internally to prevent further billing. But this action is a direct impact to my credit. All I wanted is to have my account corrected to reflect the ture purchase. The Supervisor wasn't much help, she never addressed any of the notes from her colleagues addressing the known issue her name was XXXX XXXX  XXXX. The bottom line, they are billing me for my purchases and for my daughter purchase. 
I appreciate your attention to this unlawful matter. 

Thanks

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 2025-06-18 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: MD

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. I have enclosed a copy of the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) to support my claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following inquiries on my credit report are the result of identity theft and must be removed : FRAUDULENT INQUIRIES TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to 15 U.S.C. 1681c-2, I am requesting that this fraudulent information be blocked from my credit report immediately. This information should be blocked for one year, after which I may request an extension. During the block, this information should not be reported. 

I have contacted your agency multiple times regarding this issue, but I have not received a concrete resolution. This situation is seriously affecting me, as I am currently in the process of applying for a job with a company in the financial sector, where a credit report review is part of the hiring process. This fraudulent information puts my job opportunity at risk and limits my ability to access basic financial products. 

I have requested contracts or authorization documentation from the company responsible for these inquiries, and it has been over 60 days with no response. I respectfully request that these inquiries be removed immediately. I am once again attaching the FTC report, hoping that you will make a fair and favorable decision in my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$890.00}

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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NATIONAL DEBT RELIEF LLC
State: PA

Complaint narrative:
CFPB Complaint Statement : The collection practices used violate the Fair Debt Collection Practices Act, including harassment and threats. I am requesting this account ( XXXX  XXXX ) be reviewed and collection activities be stopped. I also request all communication be in writing going forward. 

I am being contacted by a debt collector regarding a lease agreement I had with a furniture store, financed through XXXX. The furniture I received was infested with roaches and unfit for use. I reported this issue to the store and expected a resolution that never happened. I withheld payment for this reason. 
A representative claiming to act on behalf of XXXX contacted me by phone and threatened to come to my home if I didn't pay immediately. I made a verbal agreement under stress and intimidation, but I am now formally disputing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I did not receive a bill for my XXXX XXXX  annual fee. In XXXX I received an email stating that my bill was late. The phone agent told me that it is incumbent upon me to log in and check my bill and not on them to send me a bill.

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