vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: HI

Complaint narrative:
I made a mobile deposit for a check from Hawaii XXXX XXXX into my business account ending in XXXX on XX/XX/XXXX. 
On XX/XX/XXXX Truist Bank closed my business account. After several phone calls, they finally explained that they will hold the money because of " fraud. '' I sent a letter dated XX/XX/XXXX and the required check images to Truist Advocacy so they would release the {$2400.00} that they are holding. According to the letter they sent me, dated XX/XX/XXXX, " In order for the deposit to be reviewed for release, you XXXX provide XXXX of the following pieces of documentation : - A bank stamped cleared copy of the check from the maker. 
- A notarized letter on bank letterhead stating this check is legitimate and was issued to you. '' I received a call from XXXX XXXX, a case XXXX in XXXX XXXX on XX/XX/XXXX. She said that they will not release the funds and that the XXXX team is asking for the notarized letter. I told her that I provided the check from the maker ( thus fulfilling the requirement ). She could not clearly explain why the money won't be released to me. She also would not provide a letter explaining why the check image is not sufficient and said a verbal explanation is all she had to do. 

I was then transferred to the XXXX department and talked with a supervisor named XXXX. She said that the maker of the check 's information was not in the notes. She also said they had been trying to contact the maker 's bank XXXX XXXX XXXX Bank ). 

I told her that it is a bill pay check, so it should be very easy to verify that the check is good. 

I gave her the company owner 's name and phone number ( the maker of the check ). She said they will attempt to contact her in the next XXXX days. 

After all the trouble I've been through, I am making this complaint because I do not have any faith that Truist Bank ever intends to give me the money that is rightfully mine. 

Their " fraud '' department could easily verify the check is good by calling XXXX XXXX Bank, or googling Hawaii XXXX XXXX and calling them to ask for the maker of the check to verify. 

I believe they did not attempt to contact either XXXX XXXX Bank or the maker/owner of the company that wrote the check.

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 2025-08-25 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: FL

Complaint narrative:
XXXX writing to kindly request your consideration in removing late payment entries from my credit report related to the accounts listed below. I understand how important it is to make payments on time, and I take full responsibility for falling behind. These missed payments werent due to neglect, but rather unexpected challenges and Ive made it a priority to get back on track and stay current since then. 
Here are the accounts and the situations that led to the issues : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$390.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$3100.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$37.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$3100.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$37.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} Date XXXX : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/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 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I would like to re-open a previous compliant or start a new complaint outlining a continuation of the same violations by Wells Fargo Bank and their responsible to manage deposits and withdrawals properly and accurately as it relates to my personal checking and savings account with XXXX. A formal complaint regarding the mismanagement of a checking account, was lodged under XXXX XXXX The pattern of mismanagement has continued as recently as Thursday, XX/XX/year>, related to transactional payments to XXXX XXXX and XXXX weeks earlier in XXXX where another unrequested Stop Payment for Capital XXXX Credit Card XXXX which has caused significant damage to personal credit. Despite previous attempts to resolve this issue through [ mention any previous actions, e.g., phone calls to customer service, branch visits, the problems have continued. 
Requested resolution : To resolve this matter, Wells Fargo is to take the following actions immediately : XXXX. Correct the inaccurate information.

2. Provide a written apology for the mismanagement of the account and the subsequent harm to credit.

3. Confirm in writing that whatever caused the continued mismanagement of my accounts has identified and permanently corrected. 
Previous correspondence with Wells Fargo regarding this issue If the matter is not resolved, the complaint will be escalated to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies.

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 2025-08-25 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : GUARDIAN CU - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
I have previously disputed XXXX, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
On XX/XX/year>2025 @ XXXX CST , my boyfriend received a call from XXXX. A woman on the line started talking with him regarding my account. She went into full details of the original debt amount and in fact told him how I had other accounts with them that I had paid off. She discussed the most recent payment plan that I had with them and told him how I had been paying and then didn't pay. She completely reviewed my full account with him including other accounts I had previously paid off with them. I was paying all accounts at once in payments twice per month until I received settlement offers that I could afford. He then told her that I had experienced a life changing event due to the death of my mother. She then asked him if he could make a payment and restart the payment plan. He said no he was not paying a bill that was not his. She said, Aren't you her husband? He said no and told her that he was my boyfriend. The lady quickly ended the call and hung up. 

She had absolutely no business discussing my personal financial situation with ANYBODY, including third party contact people. All because my name is associated with another number ( my boyfriends phone ), that does not give any collection agency the right to discuss my accounts. 

I have written them a letter to stop all communications immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: TX

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  XXXX ] XXXX  XXXX : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: OH

Complaint narrative:
L J ROSS ASSOCIATES IN is falsely reporting on my credit. I have never had any accounts with them. Per my research L J ROSS ASSOCIATES IN is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: VA

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 4 business days of you receiving this complaint. 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 explanation
Consumer complaint received 2025-08-25 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: VA

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 4 business days of you receiving this complaint. 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 2025-08-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On a prior date, the account XXXX OF XXXX - XXXX was permanently deleted from my credit report as the result of a formal dispute and an official report issued by the FTC ( FTC Report XXXX ), which confirmed that the account was reported without my authorization or consent. 
Recently, this same account was unlawfully reinserted into my credit file. The credit reporting agency Equifax stated only that the account was verified, without providing any documentary evidence or the written certification required from the data furnisher, which constitutes a direct violation of FCRA 611 ( a ) ( 5 ) ( B ).

Under the FCRA, verified is not a legally sufficient basis for reinserting information unless it is accompanied by : A written certification from the data furnisher confirming the accuracy and completeness of the information ; and Written notice to the consumer within XXXX ( XXXX ) business days of the reinsertion, as required by FCRA 611 ( d ).

No such certification or notice was provided. This also violates FCRA 605B, which mandates the blocking of identity theft-related information within XXXX ( XXXX ) business days after receipt of an official FTC Identity XXXX Report, and FCRA 623 ( a ) ( 3 ), which requires furnishers to update or correct previously disputed information.

The reinsertion occurred without any permissible purpose under FCRA 604 ( 15 U.S.C. 1681b ), as I never authorized the account, its reporting, or the disclosure of my non-public personal information.

This unlawful action has caused measurable and documented harm, including : A significant decrease in my credit score. 


The disruption of a pending mortgage application. 


Financial and reputational damage to my credit profile. 


I have made multiple good-faith attempts to resolve this matter directly with the credit reporting XXXX XXXX but they have failed to comply with their legal obligations. This is a clear case of willful noncompliance with the FCRA, making the responsible parties subject to statutory and actual damages under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: MI

Complaint narrative:
I REQUESTING THAT THESE ACCOUNTS LISTED CLOSED AND PAID CAN YOU REMOVE ANY AND ALL LATE PAYMENTS OR REMOVE THE ACCOUNT / ACCOUNTS : CODE 15 U.S. 1666B / CODE 15 U.S. CODE 1681e- / 15 USC 1681 ( 2 ) ( a ) ( i ) FCRA 605 ( b ) Block FCRA 611 XXXX XXXX XXXX Paid off AUTO Account number : XXXX Date opened : XX/XX/XXXX Status Paid, Closed. 


XXXX XXXX XXXX  Account # : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Account number - XXXX Account type : Unsecured Date opened : XX/XX/XXXXXXXX  Status Paid, Closed. : Status updated XX/XX/XXXXXXXX XXXX XXXX PLEASE REMOVE THIS ACCOUNT ASAP : FCRA 605 ( b ) Block FCRA 611 : XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: MI

Complaint narrative:
I REQUESTING THAT THESE ACCOUNTS LISTED CLOSED AND PAID CAN YOU REMOVE ANY AND ALL LATE PAYMENTS OR REMOVE THE ACCOUNT / ACCOUNTS : CODE 15 U.S. 1666B / CODE 15 U.S. CODE 1681e- / 15 USC 1681 ( 2 ) ( a ) ( i ) FCRA 605 ( b ) Block FCRA 611 XXXX XXXX XXXX Paid off AUTO Account number : XXXX Date opened : XX/XX/XXXX Status Paid, Closed. 


XXXX XXXX XXXX  Account # : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Account number - XXXX Account type : Unsecured Date opened : XX/XX/XXXXXXXX  Status Paid, Closed. : Status updated XX/XX/XXXXXXXX XXXX XXXX PLEASE REMOVE THIS ACCOUNT ASAP : FCRA 605 ( b ) Block FCRA 611 : XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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