vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A checking account was opened with CitiBank and direct deposit from my employer was already completed, about two weeks after opening the account it was closed without any notice or reason why. After several calls to customer service after telling me that the website was under maintenance, I had to wait at least 24 hours for my internet access to be restored. Called again after a day and a half later just to tell me that the account was closed and the reason could not be discussed with me, even though I am the owner of such account. My first XXXX XXXX from my employer was deposited to such account and the bank took the funds. Now, the bank has my first paycheck from XX/XX/XXXX plus the money that I opened the account with ; that they intent to release in about 60 days according to the representative who helped me at the branch near me today XX/XX/year>, she even tried to access the account and release my paycheck fund to me but unfortunately she could not because the account is closed. It is money that I already earned and got paid for, I don't understand why I can not get it if is mine, and why the account was closed. There is a lack of communication among themselves and very poor customer service. I also was told that I would receive notifications by mail which I am still waiting for, and still do not know what happened??

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 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX Although Truist shows an XXXX rating on XXXX XXXX XXXX XXXX XXXX WEIRD!! my experience especially with their credit card department has been anything but five-star. 

I closed my account back in XXXX, yet somehow, two years later in XXXX, the account was still open. Out of nowhere, a {$600.00} charge appeared, followed by daily interest fees of nearly {$15.00}. When I reached out, Truist refused to close the account or properly investigate the situation. 

Their customer service was dismissive, unhelpful, and unwilling to resolve the issue. I ultimately paid the amount just to be done with them!! but the way this was handled was unacceptable. 


If youre considering Truist for your business banking or credit needs, I strongly suggest looking elsewhere. This experience was beyond frustrating and shows serious flaws in their internal systems and customer support

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 2025-06-11 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:
I'm reaching out with a direct and non-negotiable request regarding the account associated with this communication. 

I am formally demanding that you certifywithout ambiguitythat every single piece of data connected to this account is my personal property. This includes but is not limited to : personal information, activity history, files, communications, preferences, backups, metadata, and any other form of stored or processed data under this account. 

I am asserting my right to full control over my data. I want it made explicitly clear that none of this data has been shared, processed, retained, or used in any way that violates my ownership or personal privacy. You must be able to confirm this definitively.

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 2025-06-11 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: FL

Complaint narrative:
Experian, I just called you and I was on hold for an hour then they transferred me somewhere else. Here is the FTC report and the police report for this 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 2025-06-11 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-11 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:
The F

air 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  Account XXXX Original creditor : FL XXXX XXXX XXXX XXXX XXXX  Account XXXX Original creditor : FL XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Account XXXX XXXX XXXX XXXX Original creditor : FL XXXX XXXX XXXX XXXX MD Account XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXXXXXX XXXX 
Account XXXX have violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instruction.15 USC 666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

15 U.S. Code 1681ai 15 USC 666b A creditor May not treat a payment on a credit card account under an consumer credit card plan as a late payment for a reason Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Please delete these accounts

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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
RE : BANK FRAUD COMPLAINT - Wrongful Denial of Fraud Claim Dear CFPB, I am filing a complaint against ( BECU ) Boeing Employee Credit Union for wrongfully denying my fraud claim and refusing to reimburse unauthorized transactions totaling {$2300.00}. 
BANK INFORMATION : Bank Name : Boeing Employees Credit Union ( BECU ) Account Number : XXXX ( last XXXX digit Transaction Dates : XX/XX/XXXX and XX/XX/2025 Amount : {$800.00} and {$1500.00} COMPLAINT DETAILS : I was victim of a sophisticated fraud scheme where criminals impersonated my friend and XXXX representatives to obtain my banking security code. On XX/XX/XXXX, unauthorized withdrawals of {$800.00} and {$1500.00} were processed, but my account balance was only {$440.00}, causing my account to go negative by over {$1800.00}. I immediately called the bank that same day to report the fraud. The bank initially provided provisional credit on XX/XX/XXXX but wrongfully reversed it on XX/XX/XXXX, claiming I " cooperated '' with the scammers.

WHY THE BANK 'S DECISION IS WRONG : 1. Insufficient funds prove unauthorized access : My account balance was only {$440.00} when {$2300.00} was withdrawn - I clearly did not authorize transactions that would overdraw my account by over {$1800.00} ( See attached bank activity ) 2. I was deceived, not cooperative : I believed I was helping a friend and speaking with legitimate XXXX representatives 3. Immediate reporting : I called the bank the same day ( XX/XX/XXXX ) when I discovered the negative balance 4. Evidence of criminal activity : All text conversations were deleted by the criminals see attached screen shot of my text messages ) 5. Unauthorized access : The caller had my banking information without my consent 6. Violation of Regulation E : The bank failed to properly investigate unauthorized electronic transfers BANK 'S RESPONSE : The bank claims this is a " scam, not fraud '' and refuses to reimburse me. This distinction is improper - I was a victim of deception, not a willing participant in wrongdoing. 
REQUESTED RESOLUTION : I request that the CFPB investigate this matter and require Boeing Employees Credit Union ( BECU ) to : 1. Reimburse the full amount of {$2300.00} 2. Provide proper fraud protections to customers 3. Improve their fraud investigation procedures I have attached documentation including bank statements and police report reference number [ if available ]. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
This correspondence is to notify you of fraudulent activity that has impacted my credit file. The accounts listed below were not created or authorized by me and should not be associated with my credit history. Under 15 U.S.C. 1681g, I request they be removed from my report within 15 days. Documentation is enclosed.

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 2025-06-11 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name 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 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 explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please ensure my file includes the address XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX that my XXXX and XXXX XXXX tradeline use so they can properly report. These accounts are active and reporting to other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX bondage, which falls under XXXX  according to XXXXXXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts/ inquires. ACCOUNTS : XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX  Acct # XXXX Inquiries : XXXX XXXXXX/XX/year>

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 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I used the Paypal/Synchrony special purchase feature ( pay over 6 months ) for a XXXXXXXX XXXX XXXXXXXX on XX/XX/year>2025. The special purchase bill was due on XX/XX/scrub>, 2025 and on XX/XX/scrub> 2025 I paid the entire amount due ( {$4800.00} from my checking ) and received an email receipt from Paypal/Synchrony on XX/XX/year>2025 ( the receipt showed amount paid and stated that I had made 6 out of 6 payments, so the loan was paid off ). I noticed on XX/XX/XXXX, that the amount I paid off for special purchase was not reflected on my next month 's statement, ( there was no evidence of of my payment on my Paypal ) so I checked my XXXX  XXXX  account and indeed there was a $ XXXXn deduction from my checking account for a payment to Paypal . I reached out to Paypal customer service on XX/XX/year>2025 and was told that I never paid my Special Purchase and that there was no evidence of payment on their end. I was given no help from call center customer service other than to mail in my checking account full statement ( nothing redacted ) to an address that she gave me ( there was no complaint number given to me at that time ). I decided to call back on XX/XX/year>2025 and speak with another customer service representative ( I was not going to mail a full bank statement to them ) to see if I could submit in a screenshot of the email receipts and XXXX XXXX checking account debit that was paid in full on XX/XX/year>2025. The customer service agent was extremely rude insinuating that I was lying and that no payment was made since they have no record of a payment being made. The customer service representative then gave me instructions on how to submit securely online, but he added that if it is found that I did make a payment that it would take 2 months to show on my statement. This whole exchange is unacceptable and I submitted the proof they needed and have heard nothing ( not even that Paypal received my documents ).

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 2025-06-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against TransUnion, equifax and Experian under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, due to their failure to properly investigate and remove unverifiable and inaccurate information from my credit report.

I submitted a formal written dispute to TransUnion, equifax and Experian along with all required identification documents, including my government-issued ID, Social Security card , and proof of address. Despite this, the following issues remain unresolved : TransUnion, equifax and Experian and failed to delete unverifiable or inaccurate information within the 30-day time frame required by law. 
I did not receive confirmation that a reasonable investigation was conducted. 
In some cases, previously deleted items were reinserted into my report without proper certification of accuracy, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

I did not receive the required written notice of reinsertion within five business days. 

These actions constitute violations of my rights under the FCRA, and I am requesting the CFPBs assistance in holding TransUnion accountable for their failure to comply with federal law. 

Desired Resolution : Immediate deletion of all unverifiable and inaccurate accounts from my credit report. 
Written confirmation that TransUnion conducted a proper investigation. 
Confirmation that any reinserted items were certified as accurate by the furnisher and that proper notice was provided. 

I have attached a copy of my original dispute letter, identification documents, and supporting images of my credit report. 

Thank you for your time and attention to this matter. I am available to provide any additional documents or clarification as needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax Information Services LLC. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from 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 XXXXXXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 

2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like XXXX, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 

3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers Equifax Information Services LLC has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors
and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

Company response to consumer: Closed with non-monetary relief