vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a XXXX XXXX account at Truist Bank on XX/XX/XXXX in the amount of {$40000.00}. On XX/XX/XXXX, I opened my account online to review my account/interest, and I noticed the account had a XXXX balance. I immediately contacted Truist and I was informed by the fraud department that my account had been closed. I questioned why they had closed my account, and I was told that they had sent me that very day, a letter explaining the closure of the account and a check totaling {$40000.00}. I was told to wait XXXX business days to receive it. XXXX business days came and went, and I received neither the letter nor the check in the email. I contacted the fraud department and I was told that I would get it and to wait a few more days. I did as I was asked, but still nothing. I then visited XXXX different branches, and at the branch where I opened the account, the branch XXXX told me that I had to wait and that there was nothing he could do about it. It is now XX/XX/XXXX, and I keep getting the round-out from everyone at Truist. I was even asked to purchase a surety bond which would have cost me about {$3000.00}. This made no sense to me and I said no. They are now not answering my phone calls and keep telling me they are waiting for an indemnity letter, which according to them, would void the check they sent on XX/XX/XXXX. XXXX XXXX XXXX, vice president of the XXXX, Florida branch, told me this was needed to obtain a new check. However, he continues to avoid my phone calls and will not return my calls. I am frustrated and need your assistance please. I am attaching the bank statement indicating the closure of my account that they did.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Sunbit, Inc.
State: TX

Complaint narrative:
I have disputed many charges made to this credit card over the course of the past XXXX months. Everytime I would call and question why my card was being over charged the initial balance, I wouldn't receive a response from them. Now my credit score has been negatively affected with inaccurate charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report includes collection accounts that I believe contain inaccurate information. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I have the right to a credit report that is accurate and verifiable. I am requesting that these collection entries be thoroughly reviewed, and if they can not be confirmed as accurate, they should be promptly deleted from my 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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC
State: CA

Complaint narrative:
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 [ Wilshire XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist Notice Pursuant to 15 U.S.C. 1692c ( c ) * * To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I hereby demand that you cease all communication with me regarding the alleged debt referenced in your prior correspondence.

Under the law, once you receive this letter, you may not contact me again except to : 1. Advise me that your further efforts are being terminated ; 2. Notify me that you may invoke specified remedies which are ordinarily invoked by debt collectors ; or 3. Notify me that you intend to invoke a specified remedy.

Be advised that any further contact by your agency or its representatives, except as permitted by law, will be considered a violation of the FDCPA and may result in my taking appropriate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals office.

This letter is not to be construed as an acknowledgment of the validity of the alleged debt, nor a waiver of any of my rights under federal or state law. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Date

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 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Received notification from XXXX ( collection agency ) that they were holding an account due of {$1600.00}. After initial investigations I so far found out that Home Depot credit card, serviced by Citi Bank, turned over a charge to a collection agency. The XXXX XXXX XXXX XXXX sold the account to, sold it to XXXX. Since the collection agency is so far removed from the alleged charges, they weren't very helpful. I contacted XXXX XXXX and all they would tell me was the account no longer existed and would not furnish any statement showing the charges or any further information whatsoever. I never received a statement from XXXX XXXX for these charges so I never saw any bills from XXXX XXXX, nor did I see any follow up statements indicating that there was an account in arrears. I contacted CitiBank and received no information from them either. I suspect my account was somehow hacked and perhaps was pre-dated so that XXXX XXXX would see it as a delinquent charge and therefore turned it over to a collection agency.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have accidentally opened the Capital One XXXX XXXX  card and before activating, I called customer service inquiring about a downgrade or cancellation but since the account is new downgrade was denied until at least XXXX  months of having the card. I was also told the annual fee wouldn't be charged until my first anniversary but it was charged the next day when I activated the card. A {$390.00} annual fee on my XXXX XXXX  card even though I was told before activation that the fee would not post until XXXX year after opening. The account is brand new, and I have not used any premium benefits. I have spoken with supervisors who refuse to waive or downgrade the card, even though I am within my first billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AL

Complaint narrative:
I have tried with the help of the FTC report # XXXX previously detailing fraud and fraudulent reporting of information known to all of the credit reporting agencies to be wrong or incorrect or outright fraud. I asked them to investigate which no actual investigation was done so now I am demanding deletion of all of the accounts listed to include incorrect address and an inquiry.

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 2025-11-13 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: MS

Complaint narrative:
I have no connection with this account being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AZ

Complaint narrative:
I did not authorize this inquiry, nor did I initiate any application for credit with this company. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have expressly authorized are permitted to appear on my credit file.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im writing because I discovered a credit inquiry on my report that I did not authorize or consent to in any way. This inquiry was done online and is completely fraudulentI had no knowledge of it until I reviewed my credit report. 

Let me be absolutely clear : I did not apply for any credit, service, or product that would have required this inquiry. I never gave anyone permission to access my credit file, and I certainly did not authorize it through any online platform. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires any credit inquiry to be made only with my explicit consent and for a legitimate, permissible purpose. 

This is identity misuseplain and simple. And I should not have to suffer the consequences of a fraudulent action I had no part in. A hard inquiry, especially one that I did not authorize, affects my credit score and puts my financial reputation at risk.

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 2025-11-13 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: PA

Complaint narrative:
This account has been reported in error and is 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 explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to US BANK dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), US BANK, N.A. has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received.

Since US BANK did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure US BANK s immediate compliance with FCRA requirements. US BANK 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 2025-11-13 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: NY

Complaint narrative:
I am submitting to request a thorough investigation into the accuracy of certain information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies are required to maintain maximum possible accuracy of information, and 15 U.S.C. 1681i ( a ) grants consumers the right to dispute any information that may be inaccurate, incomplete, or misleading. Please review the following accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} I have consistently maintained my financial responsibilities and have made every effort to ensure that my credit history is accurately reported. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. The FCRA requires credit reporting agencies to conduct a reasonable investigation and correct any information that can not be verified within 30 days of receiving a dispute.

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 2025-11-13 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: IN

Complaint narrative:
I am submitting my XXXX follow-up regarding inaccurate reporting on my credit file. Two accounts are currently reflecting late payments that I dispute as inaccurate. I request a full reinvestigation and correction. This request is submitted under the Fair Credit Reporting Act, specifically FCRA 611 ( 15 U.S.C. 1681i ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information, FCRA 623 ( a ) ( 2 ), which requires furnishers to promptly correct information that has been found to be inaccurate, and FCRA 1666, which grants consumers the right to have billing errors corrected. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Late Days Reported : XXXX XXXX  ( 30 ), XXXX XXXX ( 60 ), and XXXX XXXX ( 90 ) -The reported late payments for XXXX XXXX and XXXX XXXX  are inaccurate. According to FCRA 611, the credit reporting agency is required to conduct a reasonable reinvestigation and verify this information with the furnisher. If the reported late payments can not be verified, they must be corrected. Reporting unverified late payments violates federal law and misrepresents my actual payment history, adversely affecting my creditworthiness. 
XXXX XXXX XXXX XXXXXXXX XXXX Late Days Reported : XXXX XXXX ( 30 ), XXXX XXXX ( 30 ), and XXXX XXXX ( 30 ) - The reported late payments for XXXX XXXX and XXXX XXXX are inaccurate. Under FCRA 611, a proper reinvestigation must be conducted to verify this information. FCRA 623 ( a ) ( 2 ) requires the furnisher to update any information found to be inaccurate, and FCRA 1666 gives consumers the right to dispute billing errors, including misreported late payments. The continued reporting of these late payments without proper verification violates federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: IN

Complaint narrative:
I am submitting my XXXX follow-up regarding inaccurate reporting on my credit file. Two accounts are currently reflecting late payments that I dispute as inaccurate. I request a full reinvestigation and correction. This request is submitted under the Fair Credit Reporting Act, specifically FCRA 611 ( 15 U.S.C. 1681i ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information, FCRA 623 ( a ) ( 2 ), which requires furnishers to promptly correct information that has been found to be inaccurate, and FCRA 1666, which grants consumers the right to have billing errors corrected. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Late Days Reported : XXXX XXXX  ( 30 ), XXXX XXXX ( 60 ), and XXXX XXXX ( 90 ) -The reported late payments for XXXX XXXX and XXXX XXXX  are inaccurate. According to FCRA 611, the credit reporting agency is required to conduct a reasonable reinvestigation and verify this information with the furnisher. If the reported late payments can not be verified, they must be corrected. Reporting unverified late payments violates federal law and misrepresents my actual payment history, adversely affecting my creditworthiness. 
XXXX XXXX XXXX XXXXXXXX XXXX Late Days Reported : XXXX XXXX ( 30 ), XXXX XXXX ( 30 ), and XXXX XXXX ( 30 ) - The reported late payments for XXXX XXXX and XXXX XXXX are inaccurate. Under FCRA 611, a proper reinvestigation must be conducted to verify this information. FCRA 623 ( a ) ( 2 ) requires the furnisher to update any information found to be inaccurate, and FCRA 1666 gives consumers the right to dispute billing errors, including misreported late payments. The continued reporting of these late payments without proper verification violates federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
I am sending to formally dispute inaccurate information on my Experian, Equifax, Transunion credit report and request its deletion pursuant to my rights under federal law. These items in question are as follows : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
I am sending to formally dispute inaccurate information on my Experian, Equifax, Transunion credit report and request its deletion pursuant to my rights under federal law. These items in question are as follows : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-11-13 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: AR

Complaint narrative:
I am writing to notify you that several accounts appearing on my TransUnion credit report are the result of identity theft following a data breach involving my personal information. I did not open, authorize, or use these accounts. Please investigate and remove or block all fraudulent information from my credit file as required under the Fair Credit Reporting Act ( FCRA ) 5 U.S.C. 1681c-2.

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 2025-11-13 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:
Upon reviewing my most recent credit reports ( TransUnion dated XX/XX/year>, and Equifax dated XX/XX/year> ), I discovered several accounts reporting false, incomplete, or unverifiable information that do not meet the FCRA standards for accuracy, fairness, and full verification. 


Requested Action I respectfully demand the immediate deletion of all the referenced negative accounts from my TransUnion and Equifax credit reports. Please require the credit bureaus and data furnishers to provide documentation proving the validity of each account including original signed agreements, itemized billing statements, and proof of assignment or remove the items entirely.

Company response to consumer: Closed with explanation