vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
There was a fraudulent charge {$10.00} from XXXX on XX/XX/year> on my long unused Truist credit card. I called Truist and reported fraud on XX/XX/year>. The agent filed dispute and converted the account number. I also requested the account to be closed. After a few weeks, I called again because I found it online that the {$10.00} was still showing as balance. The agent assured me not to worry, they were waiting it to be adjusted. 
A month ago I called a couple of times because I still saw {$10.00} still sitting there and the account was not even closed. Each time I was reconfirmed not to worry, because it would be taken care of. 
The {$10.00} balance would not go away. More than a week ago ( XX/XX/year> ) I called and wanted to get it resolved, and I was told I could close the credit card account at the branch. On XX/XX/year>, I went to the XXXX to close both my checking and money market accounts, and of course I was also trying to close my credit card that has unresolved {$10.00} balance. The XXXX told me I had to call credit card dept to close it. 
I called 3 days ago ( XX/XX/year> ). I was told it will be taken care of. Just now I found that not an only the {$10.00} was not taken care of after XXXX months but also there was a late fee assessed to the card. So I called again for the XXXX times and I was told she couldnt help me. I had to call the escalation team in the morning when they are open. 
I called again the next morning ( XX/XX/year> ) and was transferred XXXX times and spoke to XXXX different people. The final person at the escalation team Still could not help me and told me that they will review it. This is not really worth my time. XXXX really curious, how would such a bank still exist? 
I have spent more than XXXX hours over this stupid {$10.00} calling 7 times by now. I am very curious that for {$10.00} fraudulent charge, Truist is willing to let about XXXX agents to spend about XXXX hours of their time taking my calls and let them passed the buck, leaving it unresolved. 
XXXX very frustrated. I feel like I could just pay that {$10.00} to save my XXXX hours of phone calls and time to file complaints. However it is not justified for a bank to make customers work hard to try to resolve the issue when it is not customers fault. This is a worse bank I have dealt with. Customers need to be aware how unethical Truist conduct their business.

I still have a mortgage with Truist. Im not sure if they ever screwed up because I never check.

I need help to get this issue resolved! Please and thank you!

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 2025-06-15 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:
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 XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/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 2025-06-15 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 XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} INQUIRIES : XXXXXXXX XXXX XXXXXXXX Date : XX/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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Closed on a house on XX/XX/XXXX and unfroze my credit reports for the lender. After closing refroze my reports with XXXX  and XXXX. However Equifax will not allow me to login to my account even though I did to unfreeze it. Every time I try to login I get a popup to call them. Most of the time a recording tells me to call back later because they busy.XXXX  or XXXX time i get placed on hold for over XXXX to XXXX hours and then become disconnected. I am afraid someone will use my unfrozen report to open accounts in my name. If they do can I sue them for damages as a last resort. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
I am still awaiting a written response from the XXXX  XXXX XXXX XXXX XXXX XXXX regarding a student loan I recently disputed. 

I was informed over the phone that the dispute review process would take XXXX weeks, but I am deeply concerned that, during this time : -My credit score may be negatively affected, and -My wages may be garnished, despite the active dispute.

My core concern is that this loan was not visible on my credit report for many years. I began actively reviewing my credit reports in XXXX and found no trace of this loan through XXXX. Because of this, I had no way to determine that the debt was legitimate or to take timely action. 

Had I known this loan existed, I would have pursued available federal forgiveness programs that could have reduced my balance by at least {$10000.00}, as I would have been eligible under those terms. 

Over the phone, I was told by the Default Resolution Group that : -This loan will no longer impact my credit score going forward -My account had fallen off the system, preventing earlier garnishment or outreach Attached are my credit reports showing that I do not have any record of this in my credit report now nor had it showed up since XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-15 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: 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 XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} INQUIRIES : XXXX XXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: TX

Complaint narrative:
In XX/XX/XXXX I looked into XXXX. They sent me an " impression kit. '' I attempted to use it. They told be to send them pictures. After looking at my photos they told me the impression kit did not work.

At that time, on that date, I told them I did not want any products from them. They were very rude and their product by their own admission did not work. 

On Friday XX/XX/XXXX, I pulled a credit report. XXXXn posted 1 charge off account over {$890.00} for a company called XXXX. 

XXXX says XXXX charged me for XXXX. I never received any products or services from XXXX. Their impression kit was never mailed to them because they said it did not work.

I do not owe money to anyone. I never had a loan with anyone. Who got the {$890.00}, where did that money go? Who got services? 

XXXX should not have charged off an account on my credit, I had no account. 

XXXX needs to contact XXXX  and all credit bureaus and let them know they as well as XXXX defrauded 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 2025-06-15 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:
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 XXXX 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 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 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 2025-06-15 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:
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 XXXX 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 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 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 2025-06-15 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: FL

Complaint narrative:
Im writing to formally dispute a fraudulent credit inquiry that has appeared on my credit report. This inquiry was done online, without my knowledge, without my consent, and absolutely without any authorization from me. I had no involvement whatsoever in this action, and I take this matter extremely seriously. 

Let me be very clear : this is identity misuse. I did not apply for credit with the company or entity listed in this inquiry, and I have no connection to the transaction that triggered it. Whether this was an error or a case of fraud, I expect this to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
My bank account was locked after the bank claimed it needed to verify a check that had been deposited into the account approximately XXXX month earlier. As a result of this account lock, I was completely unable to transfer funds to pay essential bills or access my bank statements. 

I first contacted the bank on XXXX, XX/XX/XXXX, to request that the account be unlocked. I was informed that the account would remain inaccessible until the check was verified with the originating bank. I followed up again on Sunday, XX/XX/XXXX, only to be told that the check had still not been verified. At that time, I was also informed that access to all funds in my account was being denied, including those in my no-penalty CD account, which is a separate account and unrelated to the savings account where the check in question was deposited. 

Following this development, I attempted to obtain my bank statements to verify the check deposit date and review other financial activity for my records. Although the bank sent an automated email stating that my statements were available, I was unable to retrieve them because access to my online account had been restricted. 

I called the bank to request that my statements be sent to me by mail or email. My request was denied by the representative I spoke with. When I asked to speak with a supervisor, I was again refused access to my bank statements. I was told they would not provide them until the account was unlocked, but I was not given any estimate as to when the verification would be completed or when access would be restored. 

This lack of transparency and denial of access to both my funds and financial records is unacceptable and has created significant hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
Ally Bank assumed a fraudulent account through an acquisition and refuse to accept the FTC ID theft report. They continue to report it to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
On XX/XX/year>, a hard inquiry was made on my credit report by multiple dealers related to an auto loan. I did not apply for a loan, authorize a dealership or lender to run my credit, or initiate any related transaction on or near that date. 

I discovered this inquiry while reviewing my credit report, and it is negatively impacting my credit score. I contacted the credit bureau and disputed the inquiry under the Fair Credit Reporting Act ( FCRA ), which requires that hard inquiries only be listed if I gave permission or applied for credit. I requested proof of authorization or documentation of a credit application. 

To date, I have not received confirmation that this inquiry was authorized, and the record has not been removed. I am requesting an immediate investigation and removal of the unauthorized inquiry. I have attached supporting documentation, including a copy of my credit report with the inquiry highlighted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: Global Lending Services LLC
State: NY

Complaint narrative:
On XX/XX/year>, a hard inquiry was made on my credit report by multiple dealers related to an auto loan. I did not apply for a loan, authorize a dealership or lender to run my credit, or initiate any related transaction on or near that date.

I discovered this inquiry while reviewing my credit report, and it is negatively impacting my credit score. I contacted the credit bureau and disputed the inquiry under the Fair Credit Reporting Act ( FCRA ), which requires that hard inquiries only be listed if I gave permission or applied for credit. I requested proof of authorization or documentation of a credit application. 

To date, I have not received confirmation that this inquiry was authorized, and the record has not been removed. I am requesting an immediate investigation and removal of the unauthorized inquiry. I have attached supporting documentation, including a copy of my credit report with the inquiry highlighted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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