vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Summary : Truist Bank is refusing to process my Regulation E revocation of authorization ( 12 CFR 1005.10 ( c ) ) for recurring ACH debits from XXXX, XXXX, and XXXX  unless I first pay multiple {$35.00} stop-payment fees.

I clearly told Truist I was revoking authorization under federal law not requesting stop payments but customer service and a supervisor XXXX of the XXXX division refused to acknowledge this. 

Regulation E gives me the right to revoke authorization for recurring electronic transfers, and the bank must block them without charging a fee. By conditioning my revocation on payment of fees, Truist is violating Regulation E.

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 2025-11-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I lost my last smart Phone which has Bank of America app installed in it, I also lost my phone number registered with it. So, I contacted bank of America customer service to change my registered phone number related to my bank account, customer service tried to contact me by calling my phone number. But XXXX XXXX  blocked all phone calls from the XXXX to XXXX, customer service and I tried to work this out many times, but both of us have never had success to make the phone call works. I need Bank of America to change the way how they verify identity of customer to change phone number.

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 2025-11-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
In XXXX the loss mitigation department had been calling me XXXX times a day, until they convinced me to make XXXX payments, to get caught up, and apply for a loan modification. I did that, and in XXXX I received a letter saying that they are proceeding with the foreclosure. Initially. They had a sale date for XXXX, then again loss mitigation sent me again the paperwork to fill out. As I have sent them back via post office (, lcertified mail ), they said they haven't received anything and I will have to apply again. Meanwhile, I have no idea formation if the foreclosure is still set, nor did anyone report to the credit bureaus the payments i had made, but I do have bank statements and also confirmation via email from the individuals I was talking to from Citizens Bank. 
The biggest problem now, is that in this loan modification, the payments are much higher, and double the interest rate, plus the extra fees associated ( attorney fees, foreclosure fees, court costs, although it never got to court ). And they knew, the reason I had fallen behind, was because I was in a XXXX  .. they have refused to take payments over the phone, and obligated me to get certified checks and mail it ( on my own expense ), more so, they hung up on me ( XXXX  ) this month, as i have called to make a payment, as agreed upon in the loan modification paperwork. I have no email correspondence from them confirming or denying anything, they said they don't have that capability. I will record the next conversation for a more sustainable proof. They only accept total payment, or nothing, and I feel cornered, like in a chess game. I am a single mother, 100 % XXXX combat veteran, and I can't even access the equity in my house, because they kept reporting wrongly since XXXX  when a similar situation occurred. ( House value {$270.00} XXXX Mortgage balance {$110.00} ). I am beyond desperate, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-12 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: TX

Complaint narrative:
I filed a dispute with Equifax over 30 days ago regarding inaccurate information on my credit report. As of today, I have not received any response or results of the investigation, which is required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ).

Under the FCRA, Equifax is legally obligated to : Conduct a reasonable investigation of all disputed information within 30 days of receiving my dispute. 

Correct or delete any information found to be inaccurate, incomplete, or unverifiable. 

The following accounts remain inaccurately reported and have not been addressed : XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$230.00} XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX  XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX Balance {$6800.00} I am requesting that Equifax complete a proper investigation and delete or correct these accounts in accordance with the FCRA, as their failure to respond constitutes a violation of 15 U.S.C. 1681i ( a ), 1681n, and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: United Shore Financial Services, LLC
State: NV

Complaint narrative:
On XX/XX/year> I received a Notice of Facially Complete Assistance Package from XXXX stating my loss-mitigation application was complete as of XX/XX/year> and would be reviewed within XXXX  days. On XX/XX/year> a XXXX representative ( ID XXXX ) confirmed the file was in underwriting and to allow XXXX  days. Despite this, XXXX keeps mailing new, duplicative application packets ( including XXXX dated XX/XX/year> ). This is not the first time and it creates confusion and delays. 

This exact repeated of preadtory duplicate of confusing notices is what led to them denying prior requests, they literally keep repeating the same preadtory actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-11-12 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: AR

Complaint narrative:
I never opened this account, and its presence on my report 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 2025-11-12 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: TX

Complaint narrative:
I filed a dispute with Experian over 30 days ago regarding inaccurate information on my credit report. As of today, I have not received any response or results of the investigation, which is required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ).

Under the FCRA, Experian is legally obligated to : Conduct a reasonable investigation of all disputed information within 30 days of receiving my dispute. 

Correct or delete any information found to be inaccurate, incomplete, or unverifiable. 

The following accounts remain inaccurately reported and have not been addressed : XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX Balance {$230.00} XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX  XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX Balance {$6800.00} I am requesting that Experian complete a proper investigation and delete or correct these accounts in accordance with the FCRA, as their failure to respond constitutes a violation of 15 U.S.C. 1681i ( a ), 1681n, and 1681o.

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 2025-11-12 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Climb Credit Inc.
State: NJ

Complaint narrative:
Climb Credit has responded to multiple complaints with the same boilerplate message, claiming they are pursuing a refund from XXXX XXXX and that the tradeline will be deleted as a courtesy. This language is evasive and noncommittal. Despite these claims, the full loan balance remains, and no refund has been issued. Climb continues to originate loans for deceptive programs like XXXX XXXX, which misrepresented itself as a legitimate school and delivered no training or placement. 

XXXX XXXX falsely told Climb that I completed XXXX XXXX. That never happened. They simply used the experience already listed on my resume before I was entrapped by their scam. There was no curriculum, no building, no financial aid just a shell company created around the time of loan disbursement. 

Climbs response fails to acknowledge their role in enabling this fraud. They claim to adhere to the schools refund policy yet the school is not legitimate, and its policy is meaningless. I was promised job placement, received no training, and was declared complete while still unemployed. 

Climb claims they do not work with the school ( per one of my complaints ), yet they forward every dispute to XXXX XXXX and treat their word as final. XXXX XXXX echoed the same deflection : were just the servicer. Meanwhile, Im an unemployed borrower trapped in a loan that all three entities pretend is legitimate.

Climb temporarily removed the delinquency from my credit report, only to reapply it after speaking with the school. That proves theyre taking direction from a fraudulent entity. On XX/XX/year>, Climb emailed me confirming a 3-month deferral while investigating. That investigation led nowhere and my credit continued to suffer. 

This pattern deferral, delay, deflection suggests either negligence or complicity. The CFPB has already taken action against Climb Credit for deceptive bootcamp financing. My case fits that pattern exactly. Climb Credit continues to originate loans for fake programs, then hides behind refund policies and servicer handoffs while borrowers are left with damaged credit and no job. 

I am attaching : Climbs XX/XX/XXXX deferral email Their refund complete contradiction email showing a remaining balance of {$20000.00} CFPB complaint responses showing repeated deflection and false resolution claims This is not resolved. This is not acceptable. I demand full discharge of the loan and permanent removal of the tradeline. If Climb continues to treat XXXX XXXX as a legitimate institution, then Climb is complicit in the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: NV

Complaint narrative:
I am submitting this follow-up complaint regarding the continued reporting of inaccurate late payment data on XXXX of my credit accounts, despite multiple previous disputes and the submission of supporting documentation. These inaccuracies remain unresolved, causing harm to my creditworthiness and directly affecting my ability to secure essential financial opportunities. 

The first account in question is XXXX  XXXX XXXX, account number ending in XXXX, with a balance of {$890.00}, opened on XX/XX/XXXX, and last activity dated XX/XX/XXXX. My report reflects a XXXX late payment for XX/XX/XXXX, which is inaccurate. After reviewing my records, I found no documentation indicating that a payment was missed during that period. This account has maintained a consistent on-time payment history and is currently in good standing with no past-due balance. I am requesting that you verify the accuracy of this late mark with proper documentation from the creditor and remove it from my credit report if it can not be fully verified. 

The second account is XXXX  XXXX, account number ending in XXXX, opened on XX/XX/XXXX, with last activity reported on XX/XX/XXXX. My credit file reflects a XXXX late payment for XX/XX/XXXX, which I believe is inaccurate or the result of a delayed processing error. I was not notified of any missed payment, and the account has remained in good standing since that time. I request that you conduct a reinvestigation and obtain verification directly from the creditor. If the delinquency can not be confirmed with accurate documentation, it must be deleted under the Fair Credit Reporting Act ( FCRA ).

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 2025-11-12 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: AR

Complaint narrative:
I never opened this account, and its presence on my report is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-12 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This complaint is filed by XXXX XXXX XXXX, XXXX, represented by XXXX XXXX, acting as the authorized agent for XXXX XXXX, under a valid XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/year>. This complaint concerns TransUnion XXXX XXXX XXXX XXXX willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i, 1681e ( b ), and 1681s-2, through the reporting and continued publication of false and misleading credit information, and the failure to conduct a proper reinvestigation following a formal written dispute. 

On XX/XX/year>, a detailed dispute letter was sent to TransUnion identifying several accounts containing inaccurate late-payment notations, including an XXXX XXXX XXXX XXXX XXXX XXXX Nos. XXXX and XXXX ) which were incorrectly reported with delinquencies even after being resolved and closed in good standing. Despite proper notice, documentation, and verification being provided, TransUnion has failed to delete or correct these false entries. This inaction directly violates the FCRAs requirements to conduct a reasonable reinvestigation under 1681i ( a ), to ensure maximum possible accuracy under 1681e ( b ), and to cease the reporting of unverified or inaccurate data under 1681s-2 ( b ).

TransUnions continued reporting of these false late payments has caused significant and ongoing damage to XXXX XXXX credit standing, resulting in the lowering of his credit scores, denial of credit opportunities, and emotional and financial distress. This behavior reflects reckless disregard and systemic noncompliance with federal consumer protection laws. The consumer, through his authorized representative, demands that the Consumer Financial Protection Bureau ( CFPB ) immediately investigate TransUnions actions, compel the company to delete or correct all inaccurate entries, and ensure that all affected accounts are updated to reflect the accurate status of Paid/Closed Never Late or Paid as Agreed. Furthermore, we request that the CFPB impose appropriate civil penalties on TransUnion for its willful and negligent violations and mandate a review of its internal reinvestigation and compliance procedures to prevent further consumer harm.

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