vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Truist offered a {$400.00} promotion for new or existing accounts that met the eligibility criteria outlined in their promotion terms. I submitted my account for the promotion, but it was denied solely because my account balance was {$0.00} at the time of the promotion snapshot. 

I immediately submitted an internal review to Truist on [ date of submission ] to have the decision reconsidered. As of today, I am waiting for the outcome. I believe this denial is unfair and inconsistent with the spirit of the promotion, as the difference was only {$0.00}, and I met all other stated requirements. 

I am requesting the CFPB to : Investigate Truists handling of this promotion. 

Determine whether the denial was applied correctly and fairly. 

Assist in securing the {$400.00} promotion if it was wrongly denied. 

Steps Already Taken : Contacted Truist customer service. 

Submitted internal review Waiting for response from internal review. 

Desired Outcome : Approval and issuance of the {$400.00} promotion. 

Written explanation from Truist confirming eligibility criteria and decision rationale.

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 2025-08-19 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I ordered new checks from Wellsfargo. Checkin account ending in XXXX. I ordered them on XX/XX/year> to XXXX XXXX XXXX in XXXX, MT. That is the address that Wellsfargo has for me. 
They were shipped XX/XX/year>. I did not receive them. They were returned to Wellsfargo- who then did not bother to contact me. 
I called Wellsfargo today. Their rep could not tell me why the checks had been returned, and they were not willing to give me a partial refund or ship the checks out. Also, English was not their first language so getting any information was like pulling teeth. 
How long will the federal government allow banks to rip off working people? Or allow them to offer sub-par service?

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 monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/year>, I opened a high-yield savings account with Synchrony Bank and transferred approximately {$3600.00} into it. I am going through some serious life changes and that money is desperately needed to support me through these transitions. 

On XX/XX/year>, I decided that I no longer wanted to bank with Synchrony Bank because I found a local branch of XXXX XXXX to bank with instead. When I attempted to transfer the {$3600.00} out of my Synchrony account ( which they had no trouble ACCEPTING ), Synchrony immediately froze my account and restricted it. 

Despite multiple phone calls to Synchrony, as well as conference calls between myself, Synchrony bankers, and XXXX XXXX bankers to confirm sole ownership of the involved accounts, my funds still have not been released. My account at Synchrony remains completely locked, I have no way to check the available balance or to certify that the funds transfer is even taking place. 

At this point, I am concerned that Synchrony XXXX accounts are traps for consumers and my money is forever lost. I would recommend that EVERYONE stay away from their financial services.

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 2025-08-19 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-08-19 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: CA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I purchased a car from XXXX, the vehicle gave me issues within a week of me purchasing it. From radiator issues to engine problems, and the warranty didn't cover it. I am looking to have this removed from my credit as this car was a lemon and has given me nothing but issues since the purchase of it. The car has been repossessed as I was seeking legal advice and is still being shown as repossessed even though the car has been sold and the balance has been completely paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX I sent a wire transfer to my mom in XXXX for {$340000.00} USD for her to buy a home. The transaction was done in pesos at the recommendation of the Wells Fargo branch manager. 

Starting on the XXXX, my mom started to check her account. To this day, XX/XX/XXXX, the funds are still to be delivered. 

By the XXXX, the latest date to receive the funds according to the wire, we started calling the WF international wire transfer department. The XXXX a trace was put on the transfer and we learned that there had been an intermediary bank ( XXXX ), apparently necessary to take care of the change in currency ( USD to XXXX ). 

The XXXX, only because I called again, I heard that XXXX had gotten back to them ( by email because apparent the cant make a phone call ) on the XXXX and said the funds were deposited to XXXX on the XXXX! All of this has been phone and I dont have any proof of this communication. They say they were going to escalate this again but said that it was going to take another week or XXXX more days because thats how that works. 

My moms account number, etc are all spelled correctly on the wire but apparently this intermediary issue has caused the wires to cross to the point where Im still to find the money. 

It is very frustrating that WF doesnt treat this issue with the urgency it demands. 19 days later and counting and I still dont have a clear answer on what happened. The responsibility lies 100 % on Wells Fargo but, despite having banked with them for over 20 years, the standard of care exhibited through all of this has been very, very disappointing.

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 2025-08-19 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: Great Florida Lending Inc.
State: FL

Complaint narrative:
On XX/XX/year> at XXXX I received a call and voicemail from " XXXX XXXX '' who wanted to speak to me about my property which she claimed is on her list as being in foreclosure. I paid cash for my condo, and have paid every HOA payment, and every assessment in a timely manner during the last 4 years. Also, after returning her call, where she stated " I would not be calling you if your home was not on my list '', I called XXXX XXXX Florida, and spoke to a gentleman in the Foreclosure department. He stated that there is no evidence that my home is in foreclosure. The number for the woman is XXXX " XXXX XXXX '' claiming to be from Great Florida Lending.Please investigate, it is appreciated.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-19 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: MS

Complaint narrative:
In XXXX XXXX, I received my XXXX XXXX XXXX that were to begin XXXX XXXX XXXX I submitted them to affirm on XXXX XXXX. It is not XXXX XXXX and my account has not been placed under SCRA. I have reached out to their customer service several times and all I get is that my case will be escalated to the next level. They will not transfer me to the next level to speak to the individuals who process these request. I have received several secured messages stating to allow 3-5 business days for this to be resolved. It has been well over 5 days. Each message is now showing closed. I replied to the latest one this morning and it put it back into an in progress status. I only have 2 payments left on this loan. I feel they are delaying adding SCRA to my account in hopes they do have to lower my interest rate. I have had several loans with them and have paid in full all but one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
I am submitting this complaint regarding Experians improper handling of my credit dispute and violation of the Fair Credit Reporting Act ( FCRA ). 



Details of the Violation 1. I disputed a XXXXXXXX XXXX  account with Experian. 
2. Experian completed the investigation and issued me a notice stating that the account was deleted from my credit file.

3. Despite receiving that deletion notice, Experian is now reporting the same XXXX account as still under investigation. 
4. Even more concerning, after deletion, a new late payment was re-reported on the XXXX account, directly contradicting the prior deletion notice. 



Why This is a Violation FCRA 611 ( a ) ( 5 ) ( A ) requires Experian to delete or correct information found to be inaccurate or unverifiable within the 30-day dispute period.

Once Experian issued a deletion notice, they are not permitted to reinsert the account or any new late payments without proper certification from the furnisher and providing me written notice within 5 business days ( 611 ( a ) ( 5 ) ( B ) ). 
I have not received any notice of reinsertion, making this a clear violation.

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 2025-08-19 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 explanation
Consumer complaint received 2025-08-19 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-08-19 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: CA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello, This letter is a follow-up to my previous communication regarding my XXXX XXXX bankruptcy filing. I am writing to inform you that my bankruptcy case has been officially discharged by the court. 

Despite my previous request and the official court filing, my credit report is still inaccurately reporting several accounts. As per the Fair Credit Reporting Act ( FCRA ), debts discharged in bankruptcy must be reported with a status of " Closed, '' with a {$0.00} balance. 

The only accounts that should be reporting with a current, active status are my : XXXX XXXX credit card account with a credit limit of {$300.00} - recently opened XXXXXXXX XXXX XXXX account All other accounts on my credit report were included in my bankruptcy case and should be updated as follows : Closed with {$0.00} Balances : All accounts with a balance at the time of filing, such as loans, credit cards, or other lines of credit, should be updated to reflect a {$0.00} balance and a status of " Closed. '' Deleted from My Report : All accounts that were in collections at the time of filing, regardless of the reporting entity ( e.g., collection agencies ), should be deleted from my credit report entirely. 

I have attached a copy of the official Notice of Discharge for your review, and I have added my discharge document from the court. 

I request that you investigate these discrepancies immediately and update my credit report to accurately reflect these changes. 

I request that you provide a written response confirming these updates within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, 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