vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a new Truist account on Monday, XX/XX/year> and deposited {$1600.00} in cash the same day which were gift funds for my new mortgage loan downpayment. Within hours, Truist locked and closed my account due to a fraud alert, citing XXXX XXXX XXXX I was not notified prior to the closure and was not given the opportunity to verify my identity or resolve the issue. 

I was assigned a case number ( XXXX ) and have called the Truist fraud department multiple times since. Each time I am told that my case is under review, but no one can provide a clear answer on when or how I will receive my refund. I was told a refund check would be mailed, but I have not received a confirmation or tracking information. It has been 4 business days and I have still not received my {$1600.00} back. 

I am requesting immediate release of my funds and written confirmation of when the refund will be mailed. This is urgent as the cash deposit for a mortgage downpayment.

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 2025-06-26 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: CA

Complaint narrative:
I have been trying to remove inaccurate negative items from my credit reports with TransUnion, Experian, and Equifax. Despite sending multiple dispute letters over the past few months, each bureau continues to report these items as " accurate. '' When I request the method of verification or proof that these items are valid, none of the bureaus provide proper or adequate documentation as required under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 1681i ( a ), credit reporting agencies must conduct reasonable investigations of disputed information and remove any inaccurate or unverifiable information within XXXX XXXX. Additionally, under Section 1681e ( b ), they must ensure the maximum possible accuracy of the information they report. 

All three bureaus have failed to properly investigate my disputes and continue to report inaccurate information that harms my credit. They have not provided sufficient evidence to verify the validity of the disputed items, violating their obligations under the FCRA. 

I have attached all the dispute letters I have sent over the past few months which contain detailed information about each disputed item. I request CFPBs assistance to ensure TransUnion, Experian, and Equifax comply with the law by properly investigating my disputes and removing any inaccurate or unverifiable negative items from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I have received several telephone calls from XXXX  XXXX calling before XXXX XXXX. I have sent them notice not to be doing this. Along with the early telephone calls they call at least XXXX  times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
To Whom It May Concern, I am submitting this formal complaint regarding ongoing violations of the Fair Credit Reporting Act ( FCRA ) by all three major consumer reporting agencies-Equifax, Experian, and TransUnion-as well as their failure to properly handle disputes regarding inaccurate and fraudulent information on my credit file. 
I have submitted multiple disputes via certified mail. These disputes included copies of my government-issued ID, a recent utility bill, and a notarized identity theft affidavit and my social security card. Despite this, the following bureaus are failing to comply with the FCRA in the following ways : - TRANSUNION - - TransUnion removed two inaccurate accounts after a dispute was submitted.

- However, false names and addresses are still reporting on my file. 
- An identity theft-related XXXX XXXX XXXX, XXXX XXXX XXXX confirmed by XXXX as fraudulently associated with me . 
- TransUnion verified accounts that are inaccurate, without conducting proper investigation or providing method of verification. 
- EXPERIAN - XXXX Experian has not sent any formal communication regarding my disputes. 
- I had to log into the Experian app to view updates, and accounts remained marked as verified without documentation or explanation. 
- False addresses and names still appear, and a {$99.00} collection from XXXX XXXX XXXX remains, which has already been deleted by TransUnion. 
- EQUIFAX - XXXX Equifax received both Round 1 and Round 2 disputes ( sent certified ) with full ID documentation. 
- Equifax responded with a generic identity mismatch letter, despite the fact that my identity verification was complete and matched exactly. 
- No reinvestigation occurred within 30 days, violating FCRA 611.

- Equifax continues reporting false information tied to identity theft, including : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( {$99.00} collection, deleted by TU ) - XXXX XXXX XXXX XXXX XXXX ( {$250.00} ) - The NJ address ( XXXX XXXX XXXX, XXXX NJ ) is still on file, despite confirmation of identity theft. 
- No proof of contract, signature, or billing statements were provided for the disputed accounts. 
REQUESTED ACTIONS : 1. Permanent deletion of the above accounts from all credit bureaus.

2. Removal of all inaccurate personal information ( false names, addresses, mixed identity data ).

3. Written confirmation of reinvestigation outcomes and deletions.

4. Full compliance with FCRA 611, 607 ( b ), and 623 ( b ). 
I am prepared to escalate this matter to the FTC, Florida Attorney General, and pursue civil remedies under 15 U.S.C. 1681n and 1681o for damages resulting from these violations.

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 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Easier Funding, LLC
State: DE

Complaint narrative:
Filed XXXX XXXX  and they posted private information on line as a rebuttal will request {$25000.00} in damages

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed my credit report and found an inquiry I do not recognize. I did not apply to this company, nor did I authorize or consent to them accessing my credit file. This unauthorized inquiry is causing me significant XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: AZ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC XXXXb. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a formal complaint regarding a collection account that has recently appeared on my Experian credit report, reported by XXXX XXXX XXXX XXXX XXXX ( on behalf of XXXX  XXXX XXXX ). The account in question is not mine. I have no prior or current account with XXXX  XXXX, nor have I received any communication from XXXX XXXX XXXX regarding this alleged debt. 

The account was supposedly opened on XX/XX/year>, and was already reported to Experian as a collection by XX/XX/year>, without my knowledge or any chance to dispute or validate the debt. This is a clear violation of my rights under federal law. 

I am requesting that the CFPB investigate this matter urgently due to the following issues : XXXX. Lack of Validation : I never received any written notice validating this debt. 
XXXX. Premature Credit Reporting : The debt was reported without affording me time to dispute. 
XXXX. Potential Identity Error or Fraud : This may be a case of mistaken identity or unauthorized reporting. 

The following legal references apply : 12 CFR 1006.34 ( b ) ( 5 ) Requires itemization of debt prior to credit reporting. 
12 CFR 1006.34 ( c ) ( 4 ) ( i ) Requires disclosure of the right to dispute a debt. 
12 CFR 1006.34 ( d ) Requires debt collectors to provide validation details. 
15 USC 1681s-2 ( 7 ) ( A ) Prohibits reporting of unverified or disputed debt information. 

I am in the process of refinancing my home, and this inaccurate reporting is now directly impacting my mortgage application. I request that the CFPB review this violation, initiate an investigation, and compel XXXX XXXX XXXX to provide documentation or delete this account from all credit reporting agencies. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
Dear XXXX XXXX I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : XXXX. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt. o The name, address, and contact information of the original creditor. XXXX. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied. XXXX. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector. XXXX. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations. XXXX. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented. XXXX. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable. Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome. For your reference, I have enclosed a copy of my credit report with the entry in question highlighted. Please confirm receipt of this letter and provide a written response within XXXX XXXX, as required by law. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CT

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
This is to formally dispute several accounts listed on my credit file that I did not open or authorize. I do not recognize these creditors, and I have never conducted business with them. The accounts are therefore incorrect and must be removed to ensure the accuracy of my credit 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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have had a Bank of America credit card for awhile, I rarely have used it except to transfer a balance from another credit card, and they have been removing monthly payments from my checking account since I took the card out. I logged into their site on XXXX because I wanted to make an extra payment, I was greeted by a page that said suspended account for failure to pay, although they just took money out of my account XXXX XXXX ago. The website refused to allow me to make an additional payment, and directed me to contact Customer Service. I called and there was a XXXX XXXX  wait, finally, someone connected, after being placed on hold for another XXXX XXXX, I was told my account was suspended because of a failed payment in XX/XX/year>. LOL, they then told me that I would receive correspondence from them about this, I said, shouldn't I have received this in XX/XX/year>? And the rep refused to answer! The facts are that they have been taking payments out of the same checking account through XXXX  that I have had for XXXX XXXX, and no accounts have changed. This is insane, all I wanted to do was make an additional payment, tried to resolve this and was treated like a dog by their reps. This is a SCAM of all SCAMS, I have no idea of what they are talking about, and it makes XXXX sense since they withdraw payments every month from he XXXX  account. I want to be able to log into their site and make additional payments, I want to be able to contact their Customer Service and speak to people from XXXX, not XXXX, and be treated civil. Please help me with this anti-Democracy company, such crooks.

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 2025-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Dear CFPB Complaint Resolution Specialist, I am requesting that CFPB reopen the above complaint ( s ) against Bridgecrest Acceptance Corporation. In their XX/XX/XXXX, response, Bridgecrest falsely stated that I entered into a Retail Installment Contract on XX/XX/XXXX, for a biweekly payment of {$200.00}. This is completely inaccurate my contract clearly indicated a monthly payment schedule, not biweekly. 

Bridgecrest has not provided any documentation to support their claims. No copy of the signed contract or payment terms was uploaded, and I believe this omission is intentional. 

Additionally, I dispute their claim that they are reporting my payment history accurately. Without presenting the contract, they are essentially asking CFPB to take their word over mine, despite my firsthand knowledge of the agreement terms. 

I respectfully request the CFPB to : XXXX. Reopen this case for further review ; XXXX. Require Bridgecrest to submit a copy of the original signed contract and payment schedule ; XXXX. Investigate whether Bridgecrest is misrepresenting payment arrangements in its communications with consumers and credit bureaus. 

Thank you for your assistance and commitment to consumer fairness. I am happy to provide further details or documents in support of my claim. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I am writing to formally dispute a debt being reported by Harris & Harris , Ltd., listed as a collection on my XXXX  credit report, associated with the following : Partial Account Number : XXXX Creditor : Harris & Harris , Ltd. ( Third-Party Debt Collector ) As a third-party debt collector, Harris & Harris is bound by the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( Section 809 ). This law requires debt collectors to provide proper debt validation upon request, which includes : A copy of the original contract bearing my signature or electronic consent, Itemized statements showing how the debt was calculated, The name of the original creditor and proof of assignment or legal ownership of the debt. 
Despite claiming verification, Harris & Harris has failed to provide any of the above documentation, yet continues to report this unverifiable account to XXXX. This constitutes the reporting of false and unsubstantiated information, which is damaging my credit profile and may be considered a willful violation of the FDCPA and Fair Credit Reporting Act ( FCRA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
Hello, I have been directly affected by the Equifax data breach. My information was compromised and as a result ; unauthorized accounts are on my credit profile. Please immediately remove and block these items according to consumer law FCRA 605b. All unauthorized items are included in my FTC report attached

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 2025-06-26 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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