vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
This case concerns the defendant Truist Bank 's unlawful, unfair, and deceptive business practice of assessing multiple Overdraft Fees ( " OD Fees '' ) on checking accounts for a single negative balance event, which is routinely caused not by a lack of customer funds, but by the non-transparent internal processing of the Banks own prior-period service fees. The defendant assessed two {$36.00} overdraft fees ( OD Fees ) on debit card transactions authorized on sufficient funds. 
This practice breaches the defendant 's contractual promise to either decline transactions that would overdraw the account ( given the checking account status without Overdraft Privilege ) or to assess fees only when a legitimate overdraft event, not an internal processing error, occurs. 
This violates the defendants adhesion contract, which includes the Truist Online and Mobile Banking for Business Service Agreement ( effective as of XX/XX/year> ) ( Ex. A ) and any related Overdraft Opt-In Form or disclosures. 
The plaintiff and other similarly situated business customers have been injured by the defendant 's improper fee maximization practices, which violate the Virginia Consumer Protection Act ( VCPA ). 
The plaintiff, individually and on behalf of the class of individuals preliminarily defined below, brings claims for the defendants breach of contract, including breach of the duty of good faith and fair dealing, and violations of the Electronic Fund Transfers Act ( Regulation E ) 12 C.F.R. 1005 et seq. ( authority derived from 15 U.S.C. 1693 et seq. ).

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 2025-12-02 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:
b'I am submitting this complaint because my credit reports with Experian and TransUnion contain multiple inaccurate and unverifiable addresses that misrepresent my personal information. Specifically, the following addresses are reported but are not associated with meXXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Credit acceptance garnished my income for a car that sold at the auction saying I owed that amount .. if I was going to pay for it the car should of been returned but it wasnt returned it was auction and I paid for it no car or title or anything I need my money back for this loan this is unconstitutional and the company knows that

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 2025-12-02 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Re : Formal Demand for Investigation & Deletion of Multiple Inaccurate Accounts To Whom It May Concern : I am formally disputing multiple accounts that appear on my consumer report which contain significant inaccuracies, unverifiable information, conflicting data, re-aged derogatory information, and reporting violations under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), the Privacy Act, and other applicable consumer protection laws. 
These accounts must be fully investigated and deleted, as the information reported is inaccurate, incomplete, outdated, and can not be verified under the law. 


SANTANDER CONSUMER USA Account No. : XXXX Balance : {$12000.00} Status : Charged Off / Closed Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Balance Updated : XX/XX/XXXX Violations & Issues : 58 months of consecutive charge-off indicators Status updated in XX/XX/XXXX, but derogatory data continues through XXXX Potential re-aging under FCRA 623 ( a ) ( 5 ) Unverified past-due amount inconsistent with payment history Conflicting delinquency codes ( 30120 days ) repeated for years Failure to maintain accurate auto loan disclosures under TILA Extensive inaccuracies violating FCRA 607 ( b ) XXXX XXXX XXXX Account No. : XXXX Balance : {$420.00} Status : Charged Off / Closed Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Balance Updated : XX/XX/XXXX Violations & Issues : XXXX consecutive months of charge-off reporting Re-aged derogatory history beyond permissible limits under FCRA 605 ( a ) Status updated XX/XX/XXXX, yet monthly derogatories continue into XXXX Incorrect credit usage reporting ( 100 % on a closed account ) Conflicting negative reporting violating FCRA 607 ( b ) and 602 ( A ) TILA compliance failures due to inaccurate finance/charge information Privacy Act concerns due to dissemination of unverifiable derogatory data XXXX. XXXX Account XXXX. : XXXX Balance : {$200.00} Status : Charged Off / Closed Date Opened : XX/XX/XXXX Last Payment : XXXX XXXX, XXXX Balance Updated : XX/XX/XXXX Violations & Issues : XXXX consecutive months of Charge Off reporting, which is not legally possible Conflicting balance and status updates Continuing derogatory reporting despite charge-off finalization Re-aging in violation of FCRA 623 ( a ) ( 5 ) and FCRA 605 ( a ) Inconsistent and unverifiable data violating FCRA 607 ( b ) TILA violations due to inaccurate revolving/charge card disclosures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd
State: AL

Complaint narrative:
My account is closing but wise haven't refund me yet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: Self Financial Inc.
State: FL

Complaint narrative:
I disputed late payments reported by Self Financial for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with XXXX  on XX/XX/XXXX. XXXX  notified me that Self certified the information as accurate, but Self did not provide any documentation, payment history, timestamps, or evidence proving these late payments actually occurred.

I requested verification and supporting information, but Self did not provide anything. Their investigation was not reasonable and did not fix the error as required under FCRA 623 ( a ) ( 8 ).

I am asking Self Financial to : 1. Provide full documentation proving the reported late payments for XXXX, XXXX, and XX/XX/XXXX, XXXX XXXX. Remove the late payments from all credit bureaus since they can not be verified. 

This inaccurate reporting is harming my credit, and I am requesting CFPB assistance to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am formally disputing information appearing in my credit report file that I believe was obtained or furnished without my written consent and without a permissible purpose under 15 U.S.C. 1681b.

After reviewing my credit report, I identified the following unauthorized inquiries/accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these entities to access or furnish my personal information, and I am requesting that you : 1. Conduct a full investigation under 15 U.S.C. 1681i.

2. Provide written verification of the permissible purpose and authorization allegedly used.

3. Delete any item that can not be verified as lawful and compliant with 15 U.S.C. 1681b.

4. Provide me with an updated copy of my credit report once the investigation is complete.

Please respond in writing to the address listed above. 
Thank you for your immediate attention.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was charged interest for the first year even though I was promised a 0 % interest rate for 12 months. When the 12 months ended, they charged me interest for the entire year, and I am still being charged interest moving forward. I was not informed of this when I signed up, and I did not receive any mail, email, or notification explaining these charges.

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 2025-12-02 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Barclays has not been removed from my credit report. The investigation took over 60days for XXXX inquires to be removed.

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 2025-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If not, please delete this account as soon as possible from my credit report or I will have to take legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX in XX/XX/year> and signed a financing contract. The same day I brought the car home, the brake warning light came on. I notified the dealership immediately about this safety issue. They repeatedly delayed repairs for almost three weeks and promised they would fix the vehicle and provide a rental. They did not follow through on these promises.

Later, the dealership sent a woman who claimed she was from XXXX service to pick up the vehicle. We later learned she was NOT from XXXX. The dealership took the car back under false pretenses and never provided documentation of any repairs. At the time they took the vehicle, our childs car seat was inside, and the situation felt unsafe and deceptive.

After we had already signed the contract and were ready to continue payments, the dealership canceled the financing without our consent. This was a change in terms after closing. We were never given an explanation, repair report, or required disclosures. We also discovered a {$250.00} add-on fee that was never disclosed during the sale.

We repeatedly requested information and documentation, including : proof of repairs, explanation for the loan cancellation, loan status, and clarification of fees.

The dealership did not provide the requested information.

We attempted multiple times to resolve this directly with the dealer, but they ignored or refused our requests. The dealerships actions caused financial loss, safety concerns, and significant stress.

I am requesting CFPB assistance because the dealer changed the terms of the financing after the contract was signed, took the car back deceptively, and failed to provide required documentation or accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NV

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. 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 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 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 2025-12-02 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:
XXXX XXXX ( account # not provided ) XX/XX/XXXX {$9200.00} XXXX XXXX ( account # not provided ) XX/XX/XXXX {$0.00} XXXX account # XXXX XX/XX/XXXX {$11000.00} I've legally disputed these accounts on several occasions, once removed it resurfaces. These are fraudulent accounts were opened illegally without my knowledge or authorization.

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 2025-12-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
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 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 explanation
Consumer complaint received 2025-12-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Request for Investigation and Removal of Inaccurate Credit Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It XXXX Concern, I am submitting this formal written request to dispute and demand the investigation of inaccurate, incomplete, or unverified information currently appearing on my credit report. This request is made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 602 ( A ) Requires maximum possible accuracy of consumer information.

FCRA 611 ( 15 U.S.C. 1681i ) Requires reinvestigation of disputed information within 30 days.

FCRA 609 ( 15 U.S.C. 1681g ) Grants consumers the right to obtain all information in their file and the sources of that information.

FCRA 604 ( 15 U.S.C. 1681b ) Governs permissible purposes for accessing a consumer report.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Requires furnishers to provide only accurate information and to correct or delete data found to be inaccurate.

The following accounts are disputed and require immediate investigation. If the information can not be fully verified through documented evidence from the data furnisher, the FCRA mandates its deletion from my credit file : Accounts to be Investigated and Removed : 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 Please conduct a complete investigation into each of these disputed items. If any account can not be verified with certified documentation, it must be corrected or deleted in full compliance with federal law. Enclosed is a copy of my identification for verification purposes. ( Do not send original documents. ) Please send me written confirmation of the results of your investigation within the legally required 30-day period as outlined in the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
Hello, Im unable to access my Cash App, username : XXXX XXXX I can be reached at XXXX. At yur earliest convenience. Id liek to recover username. 


Thank XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: NJ

Complaint narrative:
In XX/XX/year>, I applied for a Discover credit card. Within XXXX minutes of applying, I contacted Discover customer service via chat and explained that I needed to correct an application detail ( a referral link error ). 

The representative explicitly instructed me to cancel the current application and reapply, which the agent confirmed they executed immediately. However, despite the immediate cancellation, Discover proceeded to approve and mail the original card to me. 

This account, which was never activated, canceled immediately upon instruction, and never used, was subsequently inaccurately reported to credit bureaus as a closed account. I have repeatedly attempted to resolve this with Discover, but the incorrectly opened and reported account remains on my credit report, causing unnecessary damage and complications to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: LEXISNEXIS
State: UT

Complaint narrative:
On XX/XX/year>, I disputed the auto insurance claim record appearing in my LexisNexis file. The entry contains inaccurate information, including an incorrect Social Security number and claim details that do not reflect a finalized claim. I requested a reinvestigation and deletion if the record could not be verified. LexisNexis received my dispute on XX/XX/year>. On XX/XX/year>, I received several envelopes labeled as reinvestigation results, but none included an itemized outcome for this claim, any FCRA-compliant reinvestigation response, or an updated consumer file. LexisNexis did not confirm whether the record was verified, corrected, or deleted, and did not provide the required description of procedure. As a result, I have no way to determine whether this inaccurate claim information is still being reported.

Company response to consumer: Closed with explanation