vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Truist Bank ( formerly SunTrust Bank ) has restricted and retained approximately {$240000.00} belonging to me since XXXX. 

The funds were initially restricted based on alleged concerns related to transaction verification and potential chargeback exposure. Over the course of several years, the bank requested documentation regarding the underlying transactions and services. I provided the requested information. The bank has never identified any unresolved chargebacks, pending litigation, court orders, law-enforcement actions, or regulatory directives prohibiting release of the funds. All applicable chargeback and dispute timeframes have long expired. 

On XX/XX/2025, at approximately XXXXXXXX XXXX, I submitted a written request to the bank seeking a final determination regarding the restricted funds. I requested either ( 1 ) confirmation that the funds would be released with an anticipated release date, or ( 2 ) identification of the specific legal authority ( statute, regulation, court order, or regulatory directive ) requiring continued restriction.

After receiving a response that did not provide the requested legal authority, I prepared a formal written demand requesting a final determination.

The bank responded in writing that it is not comfortable releasing funds, referred me back to prior requests, and stated that the funds may be held until they are escheated to the state. The bank did not cite any statute, regulation, court order, or regulatory directive authorizing continued retention of the funds.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Please conduct an investigation of these items, as required by the Fair Credit Reporting Act ( FCRA ), and remove or correct them as appropriate. Attached is a copy of my credit report highlighting the disputed entries, along with any supporting documentation that can assist in your investigation. 

Names : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX 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 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
Jefferson Capital Systems is reporting a collection account allegedly originating from XXXX. 

The original tradeline is reported as paid/closed, yet XXXX XXXX XXXX XXXX report a balance without providing proof of lawful assignment, chain of title, or balance calculation. This constitutes furnishing unverifiable information in violation of 15 U.S.C. 1681s-2 ( b ).

Absent documentation proving legal ownership and accuracy, this account must be deleted. Continued reporting without validation constitutes willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: WA

Complaint narrative:
I received a noticed from a company stating that they represent " The CBE Group, Inc '' to collect a debt for a XXXX XXXX XXXX for an account number which I have never had with XXXX XXXX XXXX. Further, the debt collection notice from " The CBE Group '' states that as of XX/XX/XXXX I owed {$330.00} with respect to the referenced XXXX account that I never had. The last time I had a XXXX account was internet service that was terminated on XX/XX/XXXX. All equipment was returned to XXXX on XX/XX/XXXX, as shown in the attached receipt. My final bill from XXXX was {$35.00}, which I paid in full on XX/XX/XXXX, via my XXXX card. 

The CBE Group notice that I received in the mail is dated XX/XX/XXXX. Due to previous fraud that I've had on my bank account due to my identity having been stolen during the XXXX data breach that compromised millions of XXXX  employees ' personally identifiable information, I was hesitant to reach out to the contact information on the notice I received as it appears to be a scam. Thank you very much for your assistance with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
. CFPB Escalation Failure to Conduct Reasonable Reinvestigation ( Auto Loan ) I respectfully dispute XXXX  response and request escalation and supervisory review. 

XXXX reply confirms it relied solely on the auto loan furnishers verification without demonstrating that a reasonable reinvestigation was conducted, as required by 15 U.S.C. 1681i and 1681e ( b ). 

XXXX. Failure to Provide Method of Verification XXXX  did not disclose the method of verification used to confirm the disputed late payments, including : The specific records reviewed ( payment history, billing statements, transaction logs ), Whether original source documents were examined, The identity of the party who verified the information. 

This violates 15 U.S.C. 1681i ( a ) ( 7 ), which requires disclosure of the verification method upon completion of a reinvestigation. 

XXXX. Unreasonable Reliance on Furnisher Assertions XXXX  states that the furnisher verified the information but provides no evidence of independent review. Courts have held that a consumer reporting agency may not satisfy its reinvestigation duty by merely repeating a furnishers conclusory response without evaluating underlying records. See Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ). 

XXXX. No Evidence Supporting Auto Loan Late Designations XXXX  failed to establish that : The reported late payments are supported by actual payment application records, Payments were applied consistent with the loan agreement, The dates of delinquency are accurate, The account was reported in compliance with Metro 2 guidelines, or The information is not misleading due to payment allocation practices ( interest-first, suspense accounts, or delayed posting ). 

Courts have recognized that information may be inaccurate under the FCRA if it is misleading or materially incomplete, even if technically reported. See Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ). 

XXXX. Consumer Statement Is Not a Substitute for Compliance Offering a consumer statement does not satisfy XXXX  statutory obligation to ensure that reported information is accurate, complete, and verifiable. The FCRA does not permit retention of disputed information absent a lawful reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I dispute all accounts in my credit file as invalid, unenforceable, and/or legally challenged. I demand full reinvestigation and verification under FCRA 1681i ( a ) and 1681e ( b ). Any unverifiable account must be removed immediately. Notify all data furnishers.

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 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Formal Dispute, Cease and Desist Violation Account Ending XXXX To Whom It May Concern, This letter serves as a formal dispute and demand for immediate compliance with federal law regarding the above-referenced account, Portfolio Recovery Account ending in XXXX. 
You have been repeatedly notifiedboth verbally and in writingto cease all communications with me, except for the limited purpose of providing legitimate, verifiable documentation, specifically : A copy of the original signed contract or agreement creating the alleged debt Accurate dates, times, and a complete transactional history establishing the validity and ownership of the account Despite receipt of my Cease and Desist notice, your company has continued to contact me, which constitutes a direct violation of Regulation F, specifically 12 CFR 1006.6 ( e ), which limits communications after a consumer has requested that a debt collector cease contact.

Be advised of the following : 1. This debt remains formally disputed.

2. Any further communication from your companyother than the provision of the specific do
cumentation outlined abovewill be considered knowing and willful noncompliance with federal law.

3. Continued attempts to collect, contact, or otherwise harass me may expose your company to liability under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F.

This letter also serves as formal notice to preserve all records, including call logs, recordings, internal notes, correspondence, and system metadata related to this account, as they may be required for regulatory complaints or legal action. 
If you are unable to provide the required documentation, you are instructed to immediately cease all collection efforts, update your records accordingly, and ensure no further communication is made.

Failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and any other appropriate regulatory authority. 
Govern yourself accordingly. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified.

DEPT OF EDUCATIONXXXX # XXXX XX/XX/XXXX -- {$4700.00} DEPT OF EDUCATION/XXXX  # XXXX XX/XX/XXXX -- {$2400.00} XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BSI Financial Holdings, Inc.
State: MN

Complaint narrative:
I am filing this complaint regarding an improper mortgage servicing transfer and resulting inaccurate credit reporting. 
I was never notified that the servicing of my mortgage loan from XXXX XXXX XXXX was transferred to a new servicer. I received no written notice before or after the transfer, as required under the Real Estate Settlement Procedures Act ( RESPA ). 
I made my mortgage payments in good faith to the servicer I reasonably believed was still servicing my loan. I only became aware of the servicing transfer after my credit report reflected a late or missed mortgage payment on XX/XX/year> and my credit score dropped by approximately XXXX points. After this I investigated and called my Mortage company and they verified my account was current. I then investigated to find out who BSI Financial was and why they were showing I was defaulting in my payments on my credit report. 
Under RESPA, borrowers are entitled to written notice of a servicing transfer and a 60-day grace period during which payments may not be treated as late and negative credit reporting is prohibited. I was never notified of a service transfer making me unaware I ever had to pay a different company.

This reporting is inaccurate and has caused significant financial harm, including damage to my credit profile.

I have submitted a formal Notice of Error to the servicer requesting correction. I am asking for regulatory review and assistance to ensure : My account is corrected to reflect a current payment status All negative credit reporting related to this servicing error is removed Written confirmation of compliance is provided I am seeking correction of my mortgage account to reflect that payments were not late, removal of all negative credit reporting associated with this servicing transfer error, and written confirmation that my account is current. I am also requesting confirmation that the servicer is complying with RESPA notice and credit reporting requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
Dear This letter is being sent to you in response to : XXXX  XXXX ( XXXX ) - Notice sent to me on XXXX - Response to a listing on my Credit Report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX  or XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal ounsel for suit. This includes any listing of any information to a credit reporting repository that coul e inaccurate or invalidatec It your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: NJ

Complaint narrative:
I recently checked my credit report and noticed accounts that dont belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year>, the issuer reduced the credit limit on a store-branded credit card following an automated account review. The adverse action notice stated the decision relied in part on credit bureau information and referenced delinquency.

After contacting the issuer, I was informed that the only late payment ever associated with the account was erroneous. That late payment was subsequently removed, and it was also the sole reason the minimum payment had increased. This confirmed that the increased minimum payment and related adverse effects were caused by incorrect reporting, not consumer behavior.

Despite the correction, the issuer did not re-evaluate or reverse the credit limit reduction. I requested clarification regarding whether the decision was reconsidered using corrected data, which specific credit bureau information remained determinative, and whether a manual review occurred. 

On XX/XX/year>, the issuer provided a written response stating generally that it relies on credit scoring and credit bureau data and that the decision would remain unchanged. The response did not address the corrected late payment, did not confirm that the decision was re-run using accurate information, and did not answer whether a manual review occurred. I was referred back to the credit bureau, even though the issuer made the adverse credit decision.

Throughout this period, payments on the account were made on time and balances were declining. Any elevated utilization was temporary and related to necessary medical expenses. The credit limit reduction itself increased utilization ratios despite declining balances.

I am submitting this complaint because the issuer failed to meaningfully respond to a dispute involving corrected information and appears to rely on automated or model-driven decision-making without adequately considering accurate, updated account data.

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 2025-12-28 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: CA

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> - {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I pulled a copy of my credit report and you are reporting a late payment in XXXX of 2025 for my Lead Account. I was never past due 30 days from the due date. My account was closed and paid as of XX/XX/year> ( which youre reporting ), which means its impossible for me to be 30 days past the DUE date. This late payment doesn't meet XXXX XXXX Requirements. 

Please update my late payment to PAID AS AGREED NEVER LATE. 

Account Name + Number XXXX XXXX XXXX XXXX XXXX XXXX Relevant Information : Screenshot from creditor showing past due date & credit report showing account closed and paid in full XX/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 explanation
Consumer complaint received 2025-12-29 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
In XX/XX/year>, I submitted a written dispute to Midland Credit Management requesting validation of an alleged XXXX account and disputing the accuracy of the information being furnished to XXXX  I requested proof of ownership, complete account history, and verification that the information reported was accurate, as required under the Fair Credit Reporting Act. 

Midland Credit Management did not provide proper validation resolving my dispute. Despite receiving notice, Midland continued to furnish the account to XXXX  and updated the balance on XX/XX/year>. The account remains reported as a collection with a past due balance, even though it is marked as disputed. 

Midlands continued reporting after notice, without conducting a reasonable investigation or correcting the inaccurate information, constitutes a failure to comply with its obligations under the Fair Credit Reporting Act, including 1681s-2 ( b ). This ongoing reporting has caused continued harm to my credit profile.

I am requesting that the inaccurate information be corrected or removed and that Midland Credit Management be required to comply with its investigation and reporting obligations.

Company response to consumer: Closed with explanation