vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have been enrolled in bi-weekly payment plans with our past mortgage companies with no problem. It works with our budget while also providing an extra payment per year. Truist is requiring me to pay a full months payment, then XXXX partial months payments in the same month ( essentially XXXX payments in XXXX month ) in order to " enroll '' in their bi-weekly payment option. This is a ridiculous ask, especially when I had already paid a partial payment when the loan transferred. There is no way around this and is a MAJOR complaint amongst all transfers that utilize the bi-weekly option. This is a dupe to force people to stay in a mortgage longer as well as spend more money on interest and fees. That extra payment a month takes years off of a loan, and this is their way of mitigating their " loss '' of said interest and fees.

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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am contacting you to raise a formal complaint regarding the recent actions taken on my credit card account. 

I submitted XXXX XXXX to Citi within the required timeframe, and I followed all instructions provided to me. Despite meeting these requirements, my account was closed, and the annual fee was neither waived nor refunded. These actions were taken even though I fully complied with Citis request.

This outcome is both unexpected and unreasonable. I acted promptly, provided the requested documentation, and communicated in good faith. The closure of my accountand the continued annual feehas caused avoidable inconvenience and financial concern. 

In light of the above, I am requesting the following : Reinstatement of my credit card account, or a detailed explanation for the closure despite my timely submission ; A waiver or refund of the annual fee, as it should not have been assessed under these circumstances ; and Assurance that no negative information related to this issue has been or will be reported to any credit bureaus.

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 monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
So I was paid by a customer via check from Citi bank me being a account holder a accept and deposit the check in my account all of a sudden my account is restricted and they are going to close my account but they have to investigate so I guess it seems I was a victim to someone paying me with a bad check but Im the one being penalized for something that is impossible for me to have any knowledge over or any control so I go to withdraw the funds I had in my account completely separate from this check in question and they refuse to give me my money and tell me that I have to wait XXXX to XXXX  days so they can mail out a check to me meanwhile Im screwed over from the person who wrote the bad check from a job I wont be paid for and on top of that Citi bank holds the rest of the money that I have to leave me with no money for XXXX months now

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
There has been fraudulent accounts made to my consumer report, there is unauthorized charges made to my account please remove Per 15 USC 1666 A, B

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: AR

Complaint narrative:
I have an auto loan with this company, they are negatively reporting on my credit profile that I have multiple late payments with them which is not correct. Multiple of these accounts are reporting inaccurately across the XXXX bureaus. This is called manipulation of credit reporting according to the FCRA. All items but be reporting accurately, complete, consistent and verifiable. Different reporting across bureaus is a violation of FCRA 623 : Furnisher accuracy. As well as FCRA 607B Credit bureau accuracy and consistency. Since you are okay with hurting my credit scores by reporting inconsistently and inaccurately, I am making this complaint. All late payments need to be updated to current, or No Data. If this does not get fixed I will continue to pursue other actions against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I have reviewed my Experian credit report and noticed discrepancies related to the listed accounts. Kindly investigate the following. 

Charged Off Accounts XXXX XXXX, XXXX, XX/XX/year>, Balance : {$0.00} Inquiries No disputed inquiries for EX. 

Late Payments XXXX XXXX XXXXXXXX

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 2025-11-24 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: SC

Complaint narrative:
I have no association with this account, and its being reported incorrectly.

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 2025-11-24 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The company I work for ( XXXX  XXXX ) gifted me two AMEX gift cards. One is for {$100.00} and the other is {$50.00}. I activated both cards and can not use them online or in person. All online stores require a billing address but amex does not allow me to enter my name or billing address. Tried calling phone number on the cards and no live agent is available only a machine. Please help me resolve this. I want to be able to use the {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for the Capital One Savor Rewards card using a referral link and promotional page that clearly advertised a 0 % introductory APR for 12 months. The Capital One website also displays this same promotional term for this exact card product.

Based on this advertised offer, I reasonably believed I would receive the 0 % APR for the first year, and I relied on this information when deciding to apply. I would not have applied for this card if the promotional 0 % APR had not been shown on both the referral link and on Capital Ones own website.

For the first few billing cycles, no interest was charged, which reinforced my understanding that the introductory APR had been applied. Several months later, I suddenly began being charged interest, which contradicts the advertised promotional terms that influenced my decision to open the account.

When I contacted Capital One, the representatives stated that my account did not include the promotional APR but were unable to explain why the advertised terms did not match the terms I received. They also stated that nothing could be adjusted, even though the promotional terms were publicly displayed and relied upon during the application process. 

This situation is misleading and inconsistent with the promotional offer that Capital One markets for the Savor Rewards card. I am requesting that Capital One honor the advertised 0 % introductory APR for 12 months or correct the discrepancy by applying the promotional rate and removing the interest charges assessed as a result of this inconsistency. 

I am filing this complaint because I relied on Capital Ones advertised promotional terms in good faith, and the terms I received do not match what was clearly represented at the time of application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUEBILL, INC
State: ME

Complaint narrative:
I opened an account with Rocket Money and this account is {$6.00} monthly for this service. Youre prompted to select the amount of % Rocket can take contingent success negotiation. 

They advertise that they will negotiate with your service provider to reduce your monthly payments. When my internet fees increased, I sent them information about my account and they successfully negotiated a lower monthly payment. For one month. 

Then my internet provider raised my bill higher. I reported to Rocket Money to see if the could again negotiate a lower monthly payment. 

On XX/XX/year>, I found a {$100.00} charge from Rocket. I immediately reached out to correct this. They informed me that they negotiated a new service, not one I have, at a lower monthly fee of {$50.00} a month for one year, then my monthly bill will double. This negotiation required new equipment that I didnt ask for. They took 35 % of the savings for the year in one p

ayment. I live alone and my service is great. I have no need for additional services and devices. I have no one to install even if I did want this service.

I asked for a refund and they will not agree. Not only did they purchase services I dont need or want, but Im left with an additional {$600.00} increase after a year.

I never authorized new service. I dont want new services, and believe this is fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-24 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: IA

Complaint narrative:
I recently check my latest credit report and there are multiple accounts reporting that are reporting inaccurate under my file. They are damaging to my file and should be removed immediately.

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 2025-11-24 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: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I filed a dispute informing credit bureaus of errors I contacted XXXX  XXXX about XXXX accounts one XXXX  XXXX Credit the other XXXX XXXX the supervisor said they didnt own it they sold it to another company XXXX called them they dont own them they gave me the next company but the dont answer calls The XXXX account reports that its only 30 days LATE??? Its not 30 days late cant dispute because no one owns either account

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 2025-11-24 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: IN

Complaint narrative:
On XX/XX/year> I reviewed my credit and I saw items on there that didnt belong to me. I immediately called the credit bureau and placed fraud on my account. Can you please help me resolve this issue and help me get these things off 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 explanation
Consumer complaint received 2025-11-24 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: IN

Complaint narrative:
On XX/XX/year> I reviewed my credit and I saw items on there that didnt belong to me. I immediately called the credit bureau and placed fraud on my account. Can you please help me resolve this issue and help me get these things off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Company Reporting Incorrect Information : * * Bridgecrest / XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX XXXX My vehicle was declared a * * total loss on XX/XX/year> * *. Insurance and GAP fully paid off my loan in XX/XX/year>XXXX XXXX XXXX Insurance payment : * * {$8600.00} * * > GAP payment : * * {$5800.00} XXXX XXXX XXXX XXXXXXXX refund : * * {$2500.00} * * > GPS refund : * * {$440.00} * * > > Despite my loan being fully satisfied, Bridgecrest is illegally reporting : > A remaining balance of * * {$530.00} * * > The account as * * OPEN * * > A * * 3059 days late * * payment for * * XX/XX/year>XXXX XXXX XXXX XXXX Ongoing derogatory status > > These items are * * false * *, violate * * FCRA 1681s-2 ( a ), 1681e ( b ), and 1681i * *, and damage my credit. 
> > No payments were due after the total loss on XX/XX/year>, and the account should be : > * * Paid in full * * > * * {$0.00} balance * * > * * Closed as of XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX No late payments after the loss date * * > > I am requesting a full investigation and correction of all inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: MI

Complaint narrative:
I am filing a complaint against Westlake Financial Services regarding an auto loan account that I fully dispute. This issue has been ongoing since XX/XX/year>. 

In XX/XX/year>, I purchased a used truck from XXXX XXXX XXXX XXXX in XXXX, Michigan. The vehicle was sold to me in extremely poor, unsafe condition and broke down shortly after purchase. I contacted the dealership and refused to make any payments due to the condition of the truck. 

Without my knowledge or authorization, XXXX XXXX XXXX XXXX made a payment on my behalf to Westlake Financial, even though I did not make that payment myself. Westlake accepted this fraudulent payment from the dealership and continued treating the account as valid. 

I never made a single payment on the loan, and I did not authorize the dealership to make any payments in my name. 
Despite the fraudulent payment and the fact that I disputed the account, Westlake : Reported the loan and derogatory information to my credit Repossessed the vehicle Auctioned it Charged off the account And is still attempting to collect from me I have repeatedly provided Westlake with dispute information and documents, including the form they requested, but they now claim they never received it. This situation has continued for over a year with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SG and Associates
State: TX

Complaint narrative:
My ex husband who Ive been divorced from over one year received a call and a voicemail about a possible debt for me. When I called I was advised they mailed documents 2 weeks ago to an address I no longer reside at. I do have mail forwarding that began greater than 30 days ago. They advised I can not receive any further contact via mail as its not allowed to mail me documents and the only correspondence I could receive was by email using XXXX  if I agreed to pay otherwise I was subject to attorneys fees for a lawsuit being filed. Since I didnt know what debt or company they were referring to I refused to pay until I received proof and they continued that I would just end up going to court because they legally can not send more than one copy and e-copies are only for promised to pay. I was also not allowed to update my address for any future correspondence

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 2025-11-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Reach Financial LLC
State: AZ

Complaint narrative:
I enrolled in national debt relief in XX/XX/XXXX. 
I have been paying XXXX monthly. To the tune of {$8800.00}. They called me in XXXX to complete my debt relief with a Reach Financial - ( same company when I look them up ) loan stating they will apply my payments made and call all my creditors to negotiate payments further to close my account. I spoke with the lady, had her repeat several things as I did not understand how this worked. I asked if I could cancel AT ANY TIME, she said Yes, but also stated it would not be in my benefit to cancel.

As of today- I am not allowed to cancel after being told verbally and is a recorded phone call conversation, that I was allowed to cancel any time. 

After researching these companies - I have found that this is a huge scam. XXXX is the owner of Reach Financial and that is why they push consumers towards using this company. 
I also read from XXXX  complaints regarding XXXX with this same issue, they leave the highest debt for last so that they can continue to rip you off.

And, never calling to settle. Which they did to Me.

National debt also waits till your debts are charged off which you already take a hit to your credit to start with. 
Now enrolled annd on the hook for something that I was anllowed to cancel and now have a XXXX $ loan on my credit even after Ive already paid since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: SC

Complaint narrative:
I am filing a complaint against Checkr , Inc. for repeatedly reporting an expunged criminal charge after multiple disputes. 



I have a XXXX ( XXXX XXXX XXXX ) charge that was fully expunged by court order. I have provided Checkr with certified expungement paperwork three separate times, along with a written dispute each time.

Checkr has now completed a reinvestigation but continues to report the expunged charge. They are asking me to submit yet another dispute instead of removing the verified expunged record.

This violates the Fair Credit Reporting Act ( FCRA ), which prohibits consumer reporting agencies from reporting expunged or sealed records.

I am requesting CFPB assistance in requiring Checkr to : 1. Remove the expunged charge from all current and future background reports.

2. Provide written confirmation of the correction.

3. Stop requiring repeated disputes for the same proven issue. 




This issue is preventing me from passing employment background checks, even though the court has officially removed this charge from my record. 



I have uploaded my court expungement order and copies of my prior disputes to support my complaint.

Company response to consumer: Closed with explanation