vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>, I filed CFPB complaint # XXXX against Truist regarding my late fathers life insurance funds. On XX/XX/year>, Truist responded in writing, apologizing and promising a small gesture of resolution. Despite this written commitment, Truist never delivered the gesture, never released the funds, and never explained what documents were allegedly missing. 

This case demonstrates : Bad faith handling : Truist made written promises but failed to act. 

Denial of service : Truist blocked access to life insurance proceeds without identifying any lawful basis for denial. 

Misrepresentation to a federal regulator : Truist closed the case as resolved in writing, despite leaving the matter unresolved. 

Over the past six weeks, I repeatedly requested two things : ( 1 ) documentation clarifying what was allegedly missing, and ( 2 ) fulfillment of the promised resolution. Truist has failed to provide either. 

This is no longer a customer service issue it is a compliance issue. Truists failure to follow through on its own written commitments, combined with its misrepresentation to the CFPB, shows a pattern of misconduct that must be addressed.

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 2025-08-29 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
On XX/XX/XXXX I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX auto loan - opened on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I received a phone call from XXXX. They claimed to be from Experion Credit Bureau. Said they detected a fraudulent charge on my XXXX XXXX. They knew my SS #, birthday and zip. They asked me for the expiration date on the card. I refused to provide it. They offered to eliminate my balance. I told them I wasn't interested. They hung up.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as my formal dispute of an unauthorized hard inquiry appearing on my credit report. I did not initiate or approve this action, and it has been incorrectly associated with my profile.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute an unauthorized and fraudulent credit inquiry that appears on my credit report. I want to make it absolutely clear I never gave this company any form of consent, written or verbal, to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, no company has the legal right to pull my credit report without a permissible purpose. This inquiry was made without my authorization, which is a direct violation of federal law.

Not only does this harm my privacy, but it also has the potential to negatively impact my credit score and my overall financial standing. I am fully aware that each inquiry must have a legitimate, verifiable, and documented reason for being conducted, and this company has none. If the bureau or the creditor can not produce a signed, verifiable document showing I gave permission for this inquiry, it must be deleted immediately.

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 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX  XXXX XXXX  and Resurgent Capital services Inaccurate credit and loan reporting Excessively high interest rates Unexplained fees and penalties Ignored customer complaints and unresolved grievances There unfair XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-29 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: KY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I have raised the request for Money transfer with PayPal XXXX from XXXX  to XXXX worth XXXX dollars. when I raising the request they are showing me on the screen that money will be transfer with in XXXX min. so I have transferred it. when I checked early morning the process was still in progress and its showing expected delivery date as XX/XX/XXXX which is XXXX week after the posted date XX/XX/XXXX XXXX when I checked my bank account the money was already deducted. so I contacted the customer service about the situation and they are saying since I used the bank account for transferring it will take few days to receive the money from the bank and if i use the debit card the transaction will be faster. this information was never mentioned during the transfer process. Since its going to take longer time I have checked about the cancelation option son I can transfer though other services like remetly but they were like we can cancel the transaction but you don't receive the refund immediately you have to wait until We receive the money and then we process the refund. this gon na take longer time. this whole process was keeping access from my money for a week and they not even given proper info on these issues when I am initiating the transaction. later they not even able to provide me proper solution. and I asked them about XXXX to XXXX  conversion rate since they are going to deliver this after XXXX days then they are like we will stick to the order placed rate I am not even sure how that works even since every day the rate was increasing. they get to keep my money for a week and not even giving me updated transfer rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

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 2025-08-29 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: FL

Complaint narrative:
Complaint Narrative : I am filing this complaint because Equifax, XXXX XXXX XXXX  are reporting a XXXX XXXX account as a Collection/Chargeoff with a balance of {$60.00}. This account does not belong to me. 

Account details ( inconsistent across bureaus ) : Creditor : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Balances : {$60.00} ( derogatory ) Status : Collection/Chargeoff Dates : Equifax ( XXXX XX/XX/year> ), XXXX  ( XX/XX/year> ), XXXX  ( XX/XX/year> ) This account is false and inaccurate. The reporting shows contradictions between bureaus ( different open dates, activity dates, and account details ), yet all are reporting it as a derogatory charge-off. This account is not mine, and reporting it damages my credit profile and violates my consumer rights. 
Violations of Federal Law : Fair Credit Reporting Act ( FCRA ) : 602 ( 15 U.S.C. 1681 ) Consumer reports must be accurate.

604 ( 15 U.S.C. 1681b ) No permissible purpose exists for furnishing false account information.

605 ( 15 U.S.C. 1681c ) Prohibits inaccurate/obsolete data.

607 ( 15 U.S.C. 1681e ) Requires bureaus to maintain reasonable procedures to assure maximum possible accuracy.

609 ( 15 U.S.C. 1681g ) Grants me the right to proof of the account ; none has been provided.

611 ( 15 U.S.C. 1681i ) Requires reinvestigation of disputes within 30 days.

623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishers from reporting data they know or should know is inaccurate.

Fair Debt Collection Practices Act ( FDCPA ) : 807 ( 15 U.S.C. 1692e ) Prohibits false, deceptive, or misleading representations.

808 ( 15 U.S.C. 1692f ) Prohibits unfair practices in debt collection.

Truth in Lending Act ( TILA ) : Requires transparent disclosure of consumer obligations ; none was provided.

Gramm-Leach-Bliley Act ( GLBA ) : Requires financial institutions to safeguard consumer information. Reporting an account that does not belong to me violates this requirement.

Consumer Rights Violations : Right to accurate and fair reporting.

Right to privacy and due process.

Right to be free from false derogatory credit marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within XXXX  days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal 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 2025-08-29 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: NY

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within XXXX  days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This complaint doubles as a formal debt validation request to LVNV Funding LLC, submitted via the CFPB to create a documented and traceable communication. I have attached my written request which outlines the documents that are legally required to validate this debt under the FDCPA, including verification of the debt amount, original account documentation, and evidence of their authority to collect on the alleged debt. 
I am submitting this through the CFPB to ensure that my request is acknowledged and that LVNV Funding LLC is compelled to provide a complete and accurate response in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: NY

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 non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Florida, XXXX XX/XX/year> Midland Credit Management XXXX MI XXXX XXXX Subject : Cease and Desist Unauthorized Use/Reporting of Credit Information Dear [ Recipient or Company Name ], I am writing to formally demand that you cease and desist from any further reporting, communication, or actionregarding the matter referenced below. 
It has come to my attention that [ you have reported inaccurate information to credit bureaus/ you are attempting to collect a debt I do not owe/ you have accessed my credit file without authorization ]. Specifically, [ briefly describe the issue e.g., a debt account, incorrect balance, or unauthorized inquiry ]. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am asserting my rights as follows : 1. You must immediately cease all collection activity and/or credit reporting of this matter.

2. If you believe this information is valid, provide full validation of the debt or basis of your actions within 30 days. 
XXXX. If no validation is received, or if you continue to report inaccurate or unverifiable information, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 
This letter serves as a final warning. If you do not comply with this cease and desist demand, I will pursue all available legal remedies. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief