vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
A credit card that was not in good standing was closed abruptly by the bank, understandable. 

A chance to make it current was not graced for some reason and the full amount for just this card was removed from a personal account in the same institution, Truist. 

Frustrating. This is a legal loop hole to " take '' the amount owed at will. 

When this was disputed politely and a reasonable request was made based on known and public information on how debt collection worked the request was disputed. After further discussion, further requests for assistance or escalation of matters the representative used abusive language and refused to assist in anyway stating that the bank made the decision to take the amount at their discretion based on their reasoning and that it was my fault and I should be better about managing my money. 

That is not her place to tell a customer what they should and shouldn't be doing. Or how to manage their lives. Their place is to assist in customer service matters pertaining to products the business offers. 

In addition to this account there was another account in the same situation that was in the same negative state that did not get closed. 

When asked why wasn't this closed the assistant refused to answer or acknowledge until finally stating she would not speak about that account and the call was now unproductive. 

The question remains, would you have done so if the full amount was available? or did you not because it wasn't? 

Writing off debt in a bank is possible if that department is there, if those procedures are there and the personnel is there to make the discretionary decision to collect the amount or send it to a typical debt collection process. 

In most cases banks work with clients before decided to make decisions about their financial lives on someone else 's regard. 

This is an unfair and predatory practice. 

This is unjust and the recordings show it. 

Truist Bank is not to be trusted, neither is their local banking staff. 

They refuse to work with their clients in a positive manner and have a terrible attitude.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been attempting to log into my Experian account for weeks to update my freeze, but have been unsuccessful. I recently changed my phone number and no longer have access to my old number. In order to log into my account it is requesting I verify my account via my old phone number. I have called the numbers provided online and it only goes to the automated system which is useless. I had to contact a corporate number to even speak to a real person who were also no help. I have emailed countless of emails and no one can help. I am being charged monthly {$30.00} for a service I can't even access.

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 2025-07-10 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 formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX  ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX  ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : XXXX XXXX XXXX  ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

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 2025-07-10 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: SC

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 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 2025-07-10 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
There are negativities on my account, which I have been paying on some of my accounts and I was affected by the Covid and lost my job. Im XXXX wasnt able to pay off some of my credit debt. Dont understand why they continue charging me interest on some of my accounts when this has been written off and its still giving me a higher balance on my account when it when it shouldve stopped charging me interest

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
There are negativities on my account, which I have been paying on some of my accounts and I was affected by the Covid and lost my job. Im XXXX wasnt able to pay off some of my credit debt. Dont understand why they continue charging me interest on some of my accounts when this has been written off and its still giving me a higher balance on my account when it when it shouldve stopped charging me interest

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX XXXX charged off my auto loan account. I later received confirmation directly from XXXX XXXX showing the official account closed date and last activity. However, this charge-off is still being reported inaccurately on my credit report across Transunion and Experian ( as of XX/XX/XXXX ). 

Specifically : The closed date reported to credit bureaus does not match XXXX XXXX own documentation. 
The delinquency/charge-off date is incorrect and misaligned across bureaus. 
The account continues to update monthly and report a balance, despite being closed, which violates Metro 2 reporting standards. 

I disputed these issues with both Experian and TransUnion, as well as directly with XXXX XXXX in writing. I provided copies of the proof from XXXX XXXX showing the correct closure timeline. None of the errors have been corrected, and no adequate explanation has been given. 

This incorrect reporting is harming my credit profile and creditworthiness, and I believe it violates the Fair Credit Reporting Act ( FCRA ), including obligations to report accurate and complete information and to properly respond to consumer disputes. 

I am requesting CFPB assistance to investigate and require XXXX XXXX to correct or delete the inaccurate charge-off account reporting. 

I have attached the disputes letters and proof I used when I disputed this with these reporting agencies and XXXX XXXX directly. 

Also attached is a copy of my transunion credit report

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/XXXX, Wells Fargo Auto Finance charged off my auto loan account. I later received confirmation directly from Wells Fargo showing the official account closed date and last activity. However, this charge-off is still being reported inaccurately on my credit report across XXXX  and XXXX  ( as of XX/XX/XXXX ). 

Specifically : The closed date reported to credit bureaus does not match Wells Fargos own documentation. 
The delinquency/charge-off date is incorrect and misaligned across bureaus. 
The account continues to update monthly and report a balance, despite being closed, which violates XXXX XXXX reporting standards. 

I disputed these issues with both XXXX  and XXXX, as well as directly with Wells Fargo in writing. I provided copies of the proof from Wells Fargo showing the correct closure timeline. None of the errors have been corrected, and no adequate explanation has been given. 

This incorrect reporting is harming my credit profile and creditworthiness, and I believe it violates the Fair Credit Reporting Act ( FCRA ), including obligations to report accurate and complete information and to properly respond to consumer disputes. 

I am requesting CFPB assistance to investigate and require Wells Fargo to correct or delete the inaccurate charge-off account reporting. 

I have attached the disputes letters and proof I used when I disputed this with these reporting agencies and Wells Fargo directly. 

Also attached is a copy of my XXXX  credit report

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 2025-07-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/XXXX and XXXX i spoke to XXXX PayPal representatives their names were XXXX and XXXX. Both informed me that there were XXXX different addresses added to my PayPal account on XX/XX/XXXX. XXXX went further and said both addresses were linked to XXXX Virginia. On XX/XX/XXXX there was a XXXX with the number ending in # XXXX that was also added to my PayPal account. $ XXXX {$23.00} was stolen out of my PayPaXXXX account using this XXXX as a transfer. The different addresses and this XXXX was immediately removed on the same day according to PayPal but not until all of my money was stolen out of my PayPal account on XX/XX/XXXX. The PayPal claims department several times denied my case i filed to get all my money back. PayPal claims dept said they saw no unauthorized or inconsistent activity with my logins and device and ip address. But the PayPal claims department hasn't provided me with documentation of how they came to their decision. Also the PayPaXXXX claims dept hasn't explained how or why these different addresses and XXXX got added to my PayPal account on XX/XX/XXXX. Even if the logins and device were similar, it doesn't address how and why different addresses were added to my PayPal account and how I could possibly login at several different addresses on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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 explanation
Consumer complaint received 2025-07-10 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-10 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-10 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-10 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: GA

Complaint narrative:
This account is incorrectly marked as delinquent. It should not be showing this status, as the information is inaccurate. I am requesting that it be disputed and updated to reflect no late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

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 2025-07-10 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 would like to make a complaint against all credit bureaus such as Experian, TransUnion, Equifax for using my information without my permission and also using it inaccurately

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 2025-07-10 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: NJ

Complaint narrative:
I would like to make a complaint against all credit bureaus such as Experian, TransUnion, Equifax for using my information without my permission and also using it inaccurately

Company response to consumer: Closed with explanation