vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Bank is stealing our money. There were charges made on our Truist XXXX card earlier in the year that we did not make. The charges are for {$600.00} to XXXX XXXX XXXX XXXX and XXXX XXXX. We have spoken to the bank multiple times in person and on the phone only to get no where. They provided documentation that clearly shows that we did not authorize or make the charges. The address and email address is completely wrong. Representatives of Truist have gone as far as to call us liars to our face or on the phone in regards to the charges. I have been provided another name to work with however she continues to ghost me as well. Her name is XXXX XXXX : XXXX. I have sent her XXXX emails with no responses. 
I am requesting that Truist credit our account not only for the {$600.00} but also interest. These charges are the only charges on our account and the bill is coming due on XX/XX/year> and I don't want our credit rating impacted. Truist is continuing to steal our money by making money off the current balance and interest. I have been in touch with a lawyer to sue not only for the {$600.00} + interest but also for stress and duress they have put us through since XX/XX/year>. 
This bank is a horrible bank and very dishonest. I am hoping you can get to the end of this and it get resolved with the request I have made. They can not get away with continuing to be thieves and stealing our money.

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: CA

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 ] Account 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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: CITIBANK, N.A.
State: VA

Complaint narrative:
I am filing this complaint as instructed by XXXX from the Executive Office of [ Insert Company Name ], who advised me to submit another CFPB complaint along with supporting documentation. 

I have already disputed the following account ( XXXX ) on my credit report, and despite multiple attempts to resolve the issue, the information continues to report inaccurately or remains unresolved : Creditor/Furnisher : [ e.g., XXXX XXXX XXXX XXXX Citibank ] Partial Account Number ( s ) : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Inaccurate or unverifiable reporting ; verified status without valid documentation ; failure to provide proof of debt or signed agreement The information continues to be verified without the creditor providing any documentation to validate the debt ( e.g., a signed contract or loan agreement ), as required under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) and 1681s-2 ( b ). 

I am attaching all relevant documents to support my claim. These include identification, proof of address, and copies of previous correspondence. I am requesting that the CFPB review this matter and require the company to : Provide documentation validating the debt Provide a clear method of verification Correct or remove the inaccurate reporting if verification can not be established Company can not provide me a signed contract.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
Card was hacked due to losing my phone which had all my information on it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am submitting this complaint because Resurgent Capital Services, on behalf of LVNV Funding LLC, is reporting a {$5400.00} debt on my personal credit report that originated from a business account with XXXX XXXX  under my company, XXXX XXXX XXXX. I never personally guaranteed this debt, and I have disputed it multiple times in writing with both Resurgent and the credit bureaus. 

XXXX XX/XX/year> response to my dispute ( via CFPB ) merely claimed that I was a guarantor, but they failed to provide any documentation proving this claim. They provided internal account summaries that do not include a signed personal guarantee, signed contract, or any document showing I am legally responsible. 

Despite this, the debt is still being reported on my consumer credit reports with XXXX, XXXX, and XXXX  as a personal collection account. I believe this violates : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate FCRA 1681i : Failing to delete unverifiable information FDCPA 809 ( b ) : Failing to provide proper debt validation while continuing collection Metro 2 compliance standards : Incorrect reporting of business debt as personal without proper coding I have already sent formal Metro 2 compliance demand letters and received a generic validated response with no legal proof of personal liability. My credit continues to be harmed by this false tradeline.

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've called Experian numerous times and gave them my current address of XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. I've also sent them a letter stating that. They have my addresses listed as XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX on my credit report. None of these addresses are right and I've requested that they remove the inaccurate addresses and put in my current address. They have yet to do so and I don't see any other recourse than to submit a compliant here before taking legal action.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

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 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 — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Dear JP Morgan Chase Ive been a loyal customer for the last 9 years and have generally maintained a good payment record. The late payment on that occurred was due to my health diagnosis where things took the turn for the worst for a short while. It is always my best practice to pay my bills on time and if you look at my account I did just that for several years now even paying off a {$5000.00} balance owed. 

I understand the importance of on-time payments and have taken steps to ensure this wont happen again. As a courtesy, I kindly request that you remove the late payment from my credit report. It is for my XXXX XXXX ending in XXXX. It has been over 5 years now and I am trying to purchase a new home and I hope you can please help me. I even have a new account with you Chase which is my XXXX card and it has never been late and also paid in full. 


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: Incorrect information on your report — Information belongs to someone else
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
A third-party debt collector, Sequiom Asset Solutions , reported a {$410.00} collection account to my XXXX credit report for a debt allegedly originating from XXXX XXXX XXXX I was not notified, nor did I receive any debt validation before this collection appeared on my report. 

I never received a written notice of the debt or an opportunity to dispute it prior to the reporting. I believe this violates both the FDCPA ( 15 U.S. Code 1692g ) and FCRA ( 15 U.S. Code 1681b and 1681i ), because the debt has not been verified or validated. 

The debt may not even be mine, and I never authorized its sale or transfer to this collector. Their reporting is damaging my credit and causing financial harm without due process.

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: EQUIFAX, INC.
State: RI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am writing to file a complaint formally regarding an inaccurate negative report on my credit report from IC System. This entry concerns an alleged debt of {$100.00} associated with a XXXX XXXX ( XXXX ) account. IC System has mistakenly attributed this debt to me due to the confusion arising from similar names. I do not have an account number related to this debt, as I have never held an account with XXXX associated with this alleged debt. I am aware that a negative credit report has been made against me to XXXX related to this debt and possibly XXXX XXXX, and others The alleged debt concerns My father who has the same name as me. At the time this debt was supposedly incurred, I was a high school student and did not enter into any contractual agreement or financial obligation with XXXX. This erroneous credit report has significantly impacted my credit standing. 
I previously disputed this matter directly with IC System by phone on or about XX/XX/2025. Unfortunately, despite my efforts, the negative entry remains unresolved and continues to adversely affect my credit 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 explanation
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
The Fair 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX1XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$68000.00}

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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