vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Seems Truist is retaliating against previous submission of consumer complaints regarding mortgage handling and management, Checking account access and car loan handling. They have now gone and restricted my access to account to check balances, make payments and move money. I've attempted access to company site as I have the following three business matters with Truist. Online account requires verification prior to accessing information when I select send text message for verification access code. Five attempts and no access code was initiated nor received. The website has since locked me from account access online and forcing me to call to provide SSI, DOB, Address to individuals that retain information and later send scam text and spam calls.

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 2025-03-17 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-17 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: LEXISNEXIS
State: TX

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and W2,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
This item reported on my XXXX Credit report as a Charge Off. 
PENFED CREDIT UNION ACCOUNT NO. XXXX IN THE AMOUNT OF {$20000.00} this account ( s ) was a Charge Off, PENFED CREDIT UNION Reported this as a Profit Loss to the IRS, and are still reporting it on my credit report that I still owe this debt, however PENFED CREDIT UNION never supplied me with the 1099-A. and as of today my request to PENFED CREDIT UNION has not been answered. I am Requesting that the CFPB request a copy of the 1099-A from PENFED CREDIT UNION the Credit Report Reporting on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MICHIGAN, 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 2025-03-17 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:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is an addendum to the complaint XXXX. 

Dear CFPB, Thank you for your response and for forwarding XXXX 's reply regarding my complaint. 

Unfortunately, XXXX 's response is inaccurate. While they are correct that our son 's car was totaled on XX/XX/XXXX, their claim regarding GAP insurance is misleading. GAP insurance was never offered to us at the time of purchase, nor did we decline it. By the time we reviewed and signed the documents, the GAP insurance option had already been marked as declined, leaving us with no opportunity to opt in. However, that is not the primary issue at hand. 

The main concern is that we never received a payoff statement via email. Instead, after months of waiting, we finally received a letter from XXXX stating that we still have the XXXX  though the vehicle was totaled, and our insurance company issued a payment for the loss. Since XX/XX/XXXX, we have been waiting for a formal payoff statement or any correspondence from XXXX to finalize the remaining balance due. The only correspondence we have received is that we are late on payments, that they are reporting us to our credit and as of XX/XX/XXXX have reported this as a charge off. 


Despite our repeated attempts to resolve this matter, we received no communication until XX/XX/XXXX, when XXXX finally sent us a small printout of our payment historyrather than the necessary payoff statement or final settlement details and they are claiming we still have the car and will reposess it. 

We request your assistance in ensuring that XXXX provides a proper payoff statement and any remaining documentation needed to close this matter. 

Because we are getting no assistance with this matter we have retained a lawyer at our own expense. 

They are not being truthful with you. I have ALL OF THE DOCUMENTATION, all of the copies of my letters. They are not paying attention to the details of my case. 

Thank you for your time

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is an addendum to the complaint XXXX. 

Dear CFPB, Thank you for your response and for forwarding XXXX 's reply regarding my complaint. 

Unfortunately, XXXX 's response is inaccurate. While they are correct that our son 's car was totaled on XX/XX/XXXX, their claim regarding GAP insurance is misleading. GAP insurance was never offered to us at the time of purchase, nor did we decline it. By the time we reviewed and signed the documents, the GAP insurance option had already been marked as declined, leaving us with no opportunity to opt in. However, that is not the primary issue at hand. 

The main concern is that we never received a payoff statement via email. Instead, after months of waiting, we finally received a letter from XXXX stating that we still have the careven though the vehicle was totaled, and our insurance company issued a payment for the loss. Since XX/XX/XXXX, we have been waiting for a formal payoff statement or any correspondence from XXXX to finalize the remaining balance due. The only correspondence we have received is that we are late on payments, that they are reporting us to our credit and as of XX/XX/XXXX have reported this as a charge off. 


Despite our repeated attempts to resolve this matter, we received no communication until XX/XX/XXXX, when XXXX finally sent us a small printout of our payment historyrather than the necessary payoff statement or final settlement details and they are claiming we still have the car and will reposess it. 

We request your assistance in ensuring that XXXX provides a proper payoff statement and any remaining documentation needed to close this matter. 

Because we are getting no assistance with this matter we have retained a lawyer at our own expense. 

They are not being truthful with you. I have ALL OF THE DOCUMENTATION, all of the copies of my letters. They are not paying attention to the details of my case. 

Thank you for your time

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is an addendum to the complaint XXXX. 

Dear CFPB, Thank you for your response and for forwarding XXXX 's reply regarding my complaint. 

Unfortunately, XXXX 's response is inaccurate. While they are correct that our son 's car was totaled on XX/XX/XXXX, their claim regarding GAP insurance is misleading. GAP insurance was never offered to us at the time of purchase, nor did we decline it. By the time we reviewed and signed the documents, the GAP insurance option had already been marked as declined, leaving us with no opportunity to opt in. However, that is not the primary issue at hand. 

The main concern is that we never received a payoff statement via email. Instead, after months of waiting, we finally received a letter from XXXX stating that we still have the careven though the vehicle was totaled, and our insurance company issued a payment for the loss. Since XX/XX/XXXX, we have been waiting for a formal payoff statement or any correspondence from XXXX to finalize the remaining balance due. The only correspondence we have received is that we are late on payments, that they are reporting us to our credit and as of XX/XX/XXXX have reported this as a charge off. 


Despite our repeated attempts to resolve this matter, we received no communication until XX/XX/XXXX, when XXXX finally sent us a small printout of our payment historyrather than the necessary payoff statement or final settlement details and they are claiming we still have the car and will reposess it. 

We request your assistance in ensuring that XXXX provides a proper payoff statement and any remaining documentation needed to close this matter. 

Because we are getting no assistance with this matter we have retained a lawyer at our own expense. 

They are not being truthful with you. I have ALL OF THE DOCUMENTATION, all of the copies of my letters. They are not paying attention to the details of my case. 

Thank you for your time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
I am writing to bring to your attention some discrepancies that have come to my notice after reviewing my credit report. I believe there may have been inaccuracies in the reporting : XXXX XXXX XXXX XXXX  - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - Date open, date of last active is not accurate- Delete account immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX XXXXXXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - open date, payment history is inaccurate- Delete account immediately for violation of 15 USC 1681e ( b XXXX XXXX XXXX XXXXXXXX XXXX XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - Date open, date of last active is not accurate- Delete account immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX XXXXXXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - open date, payment history is inaccurate- Delete account immediately for violation of 15 USC 1681e ( b ) XXXX XXXX - XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - Date open, date of last active is not accurate- Delete account immediately for violation of 15 USC 1681e ( b ) I would like to formally request that, in accordance with the Fair Credit Reporting Act, a comprehensive review be conducted to remove the aforementioned items from my credit report. I trust that a diligent investigation will be carried out in cooperation with the reporting creditor. 
Please remove any information that can not be verified by the creditor. As stipulated in 15 U.S.C.

Sec. 1681i ( a ), it is a legal requirement that this reexamination be completed within 30 days of receipt of this correspondence.

I would like to respectfully request an updated copy of my credit report to be sent to the address provided. Moreover, it would be greatly appreciated if you could also ensure that notifications regarding any amendments made are forwarded to all recipients of my credit report within the preceding six months.

Thank you for your time and attention.

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 2025-03-17 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: NJ

Complaint narrative:
I am fileing this cFPB report in pursuit of FCRA 605B-15 US code 1681 c-2 that you XXXX the credit report agency block all fraudulent information appearing on my consumer credit report within 4 days of you receiving this complaint the fraudulent accounts consist of one personal credit card at 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 explanation
Consumer complaint received 2025-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 non-monetary relief
Consumer complaint received 2025-03-17 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: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
1. Lack of Fairness for Business Guarantors XXXX  markets the Ink Business Card as a business product, yet still penalizes personal credit reports for payment issues.

2. No Opportunity for Goodwill Removal Despite my proactive engagement and excellent overall payment history, XXXX refuses to work with me on a goodwill adjustment. 
3. Harm to Personal Credit Without Clear Business Reporting Terms There is no transparent disclosure at the time of issuance regarding the impact of late business payments on personal credit reports. 
4. Unintentional Oversight Due to Accounting Turnover at Company This late payment was not a result of negligence but rather a transitional issue when our accounting team changed in late XXXX  The new team discovered the XXXX XXXX card during XXXX reconciliations, and at the same time, I noticed the late payment on my personal credit score.

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 2025-03-17 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation