vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited a check through mobile deposit on XXXX. Initially I was told it would be available on the XXXX, then I was told it would be available on the XXXX, then I was told it would be available on the XXXX. I understand having a hold on a check but then you claimed " fraud '' and put a freeze on my account. So on the XXXX, the check cleared the account it was drawn from. You can see the screen shot of my girlfriend 's account. Yet you are still somehow investigating. The hold has been released as it is now the XXXX, yet you are still investigating. The transaction is completed so what is there to investigate? Why is there still a freeze on my account? The only people who know are this clandestine few who can only be contacted through notes apparently and I'm left here without a means to pay my rent or withdraw my money to switch banks to pay rent with a bank that actually does, you know, banking, what is supposed to be the primary function of your institution. All I receive is " they are still investigating '' and no clue as to when they will be done. But I guarantee I'm not the only one you have done this to and I bet you are still making profit off the funds you are holding hostage from me and others with the supposed " fraud '' claim. It's shady and as soon as I get my money out of this account I will be switching banks because I can't afford to have my account frozen and my means to pay bills taken away on a whim with XXXX information provided as to why.

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 2025-04-11 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 do not recognize the negative accounts appearing on my credit

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 2025-04-11 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have discovered late payment notations on my credit report that are false and need to be corrected right away. These inaccuracies are unfairly reducing my credit score and jeopardizing my financial health. I consider this completely unacceptable. 

Some of the reported late payments were made on time, while others appear to stem from internal processing issues. If these late marks can not be validated with original recordssuch as dated billing statements and signed account agreementsthey should not be present on my credit file. The FCRA requires all reported data to be factually accurate and verifiable. 

I am demanding the immediate correction or deletion of these late payment entries. If the reporting companies can not produce solid, documented proof, these items must be removed. Failure to address this promptly will be considered a deliberate violation of federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
I am a victim of identity theft and submitted a valid identity theft packet to TransUnion, including : An FTC Identity Theft Report ( Report # XXXX ) A copy of my drivers license A recent utility bill I specifically requested a block under FCRA XXXX XXXX for the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 605B, TransUnion is legally required to block this information within 4 business days of receiving a valid identity theft report and proof of identity. Instead, they denied the request using vague language, stating the accounts had activity before the reported fraud date, without providing specific documentation or legal justification. 


I have uploaded all supporting documentation, including TransUnions denial letter. Please investigate this matter urgently, as this ongoing issue is harming my credit profile and financial standing.

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 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
this is not my dept and it need to be took off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
There are several collection accounts that I don't recognize and other closed accounts that are impacting my credit scores.

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 2025-04-11 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-11 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: NY

Complaint narrative:
I submitted detailed disputes to all three credit bureaus ( copies attached ) regarding multiple accounts falsely reported on my credit file due to identity theft. These accounts include : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Claimed balance : {$790.00} I provided proof of my identity and explicitly stated that these accounts are fraudulent and do not belong to me. Despite this, the credit bureaus have : Failed to conduct a proper investigation under 1681i ( a ).

Ignored my requests for verification documentation. 

Continued to report these accounts as " Collection/Charge-Off, '' damaging my creditworthiness.

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 2025-04-11 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: NY

Complaint narrative:
I submitted detailed disputes to all three credit bureaus ( copies attached ) regarding multiple accounts falsely reported on my credit file due to identity theft. These accounts include : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Claimed balance : {$790.00} I provided proof of my identity and explicitly stated that these accounts are fraudulent and do not belong to me. Despite this, the credit bureaus have : Failed to conduct a proper investigation under 1681i ( a ).

Ignored my requests for verification documentation. 

Continued to report these accounts as " Collection/Charge-Off, '' damaging my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: NC

Complaint narrative:
I have a check from my previous employer that I electronically deposited and access to the account has been suspended ever since. I have visited a branch and verified my identity, but even today ( XXXX ) when I called the bank they said they would need another XXXX business days.It 's Going on a month now since this started. Most of my income was in this account. Charles Schwab is terrible to bank with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I used my XXXX Citi credit card to purchase a full appliance package from XXXX XXXX. The purchase was prepaid for future delivery. After multiple delays and lack of communication, the items were finally delivered. However, the XXXX refrigerators ( valued at {$8300.00} total ) arrived missing required installation partsspecifically, the trim kits and hinge components needed to properly install and operate them. 

I contacted XXXX repeatedly in good faith, but received no resolution. I later found out the company is now in liquidation and permanently shutting down, with no further customer support or parts fulfillment. 

I contacted Citi to dispute the charge, but was told they are unable to assist due to the XXXX limit. However, this was a delayed fulfillment with clear evidence of merchant failure, and I am requesting the Consumer Financial Protection Bureau help resolve this issue. 

Im asking for Citi to allow a partial refund or chargeback on the refrigerator portion of the charge, due to undelivered and unusable merchandise and merchant insolvency. I have documentation of the purchase, photos of the missing parts, and screenshots of XXXX closure announcement.

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 2025-04-11 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: NY

Complaint narrative:
I submitted detailed disputes to all three credit bureaus ( copies attached ) regarding multiple accounts falsely reported on my credit file due to identity theft. These accounts include : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Claimed balance : {$790.00} I provided proof of my identity and explicitly stated that these accounts are fraudulent and do not belong to me. Despite this, the credit bureaus have : Failed to conduct a proper investigation under 1681i ( a ).

Ignored my requests for verification documentation. 

Continued to report these accounts as " Collection/Charge-Off, '' damaging my creditworthiness.

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 2025-04-11 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: FL

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am writing to file a complaint against Cash App regarding unauthorized transactions on my account despite my card being locked. 
XXXX. Date of Transactions : The first unauthorized transaction occurred on XX/XX/year>, at XXXX PM for an amount of {$9.00}. 
The second unauthorized transaction occurred on XX/XX/year>, at XXXX PM, also for an amount of {$9.00}. 
XXXX. Account Lock & Verification : I believe my account was locked due to issues with verifying and updating my legal name. I submitted the required information and updated my account multiple times last year, but I never received any notification about changes or updates to my account status. 
Despite my efforts, my account remained locked. However, I was later informed by Cash App customer support that my account was supposedly unlocked on XX/XX/year>, but no notification or confirmation was provided to me at that time. My account was still inaccessible, and I was unable to make any transactions. 
XXXX. Actions Taken : I contacted Cash App multiple times to resolve this issue and was given unclear responses. Despite the supposed account unlock in XXXX, these unauthorized transactions still occurred without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-11 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-11 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The first phone call I received was on XX/XX/XXXX at XXXXXXXX XXXX by woman named XXXX XXXX and she left XXXXXXXX XXXX XXXXXXXX who left a voicemail. 

The second call was on XX/XX/XXXX from a XXXX and that number was XXXX. She advised me that I was going to be sued for a credit card debt from XXXX. I inquired what debt was she talking about since I do not owe any money to any credit card companies. I asked her for more information and she refused to provide me any information. I asked several times to mail me what she was referring to since I have no knowledge. She then said that they have been trying to contact me since XXXX for a debt related to that year. She provided me with a XXXX address to house I sold over 13 years ago and I have been living in XXXX ever since I sold my home. I continued to asked for information and she simply said that I will see the information when I receive the civil suit for court. I continued to explain that I did not owe any money to anyone and also, there is a statue of limitations in the state of XXXX for what ever debt she is claiming that I owe. After I said that she yelled " see you in court '' then hung up the phone. 

I have continued to received these type of calls and they refuse to provide me any information. 

These type of calls just continued and each time I asked to be mailed documentation I was told I would see it when I am service. The last call I received of this nature was on XX/XX/XXXX from a different number. This time the number was

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 2025-04-11 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-11 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation