vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
Here 's a clear explanation of what happened, following the guidelines you mentioned : -- - In mid-XXXX, I opened a business account with Truist Bank for XXXX XXXX  XXXX XXXX XXXX XXXX. For several months, the account functioned normally, with deposits, payments, and withdrawals processed as expected. However, in XX/XX/XXXX, without prior notice, Truist froze my account. I was unable to access my funds, which severely disrupted my business operations. 

I immediately contacted Truist 's fraud department and provided all necessary documentation proving the legitimacy of my transactions. Despite these efforts, Truist delayed the release of my funds for an extended period, causing financial hardship for my company. 

In early XXXX, Truist closed my account without offering a valid explanation or providing evidence of any violations of their terms. They also attempted to pressure me into signing a Hold Harmless agreement, which would have waived my rights to take legal action against them. I refused to sign this agreement, as it would have stripped me of my legal rights. 

As a result of Truist 's actions, my business faced severe disruptions, and my banking record was negatively impacted, making it difficult to open accounts with other financial institutions. I am seeking resolution, including an investigation into Truist 's practices, correction of any negative banking reports, and a formal explanation for the closure of my 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 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WAFD BANK
State: WA

Complaint narrative:
WaFd Bank removed the running balance feature from its online banking website without notifying customers, making it significantly harder to track transactions and verify account accuracy. A running balance is essential for customers to hold the bank accountable by ensuring every transaction is recorded and accounted for properly. Without it, customers are left guessing whether deposits, withdrawals, and charges are being processed correctly. 

When I contacted customer service on XX/XX/year>, a representative admitted the issue had been ongoing for months and blamed it on their XXXX. However, I had personally accessed my account within a week or so before XX/XX/XXXX and saw the running balance still functioning, contradicting their claim. 

WaFd executives later admitted the running balance had been displaying errors before they removed it, but instead of fixing those errors, they eliminated the feature entirely. Despite multiple emails to XXXX XXXX XXXX and XXXX XXXX XXXX, they admitted that no work has even begun on restoring it and refused to provide a timeline. Their excuses make no sensethis is a basic financial feature that any competent engineering team could reinstate within a day. 

WaFds failure to restore the running balance and their shifting explanations suggest either negligence or an intentional decision to limit customer access to financial data. This ongoing issue restricts customers from properly monitoring their accounts, makes it impossible to easily detect errors, and may violate CFPB consumer financial data rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-17 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-17 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: TN

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-17 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: TN

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Around last week of XX/XX/year>, I called Newrez llc the mortgage servicer asking about the status of my escrow surplus check which I should have received in XXXX. They said the escrow analysis was not completed and submitted an escalation ticket and asked me to give a call back after XX/XX/year>. I gave a call again on XX/XX/XXXX asking about the status. The customer rep stated no action was taken against this ticket. She spoke to her supervisor and they sent a comment to escrow team to work on it and get it resolved. That time they said I should have a solution by XX/XX/year>. I gave them a call today ( XX/XX/year> ) to check the status and the customer rep stated no updates yet. I requested to talk to her supervisor and after talking to them, it looks like the only answer they received from the escrow team was they will review it. I asked the supervisor thrice for a resolution date but they did not have any. 
Per their website escrow analysis should be done in XXXX of each year for the state of Texas. 
I do have call recordings of last 2 calls. 

I am in real of the money since its more than {$10000.00}. Please help me with getting this resolved asap. 

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 2025-03-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Markoff Law LLC
State: IL

Complaint narrative:
Back in 2018 when the economy was collapsing, I contacted XXXX XXXX to reduce my payments temporarily to recovery. They immediately put me into collection and took all of the payments I made in total of {$3200.00}. Then they stared collection for the amount I borrowed and not owe which was {$11000.00}. I am being pursued by a collection attorney for the total loan missing my payments and they have had me served and set up a court date with erroneous information like the amount owed and my age! They said I am XXXX and I am a senior citizen XXXX XXXX XXXX in 2 months. I have tried multiple times to have this resolved. I last contacted them with the fake court papers they sent me thinking I was served a few months back to find out that they still would not credit my payments and also my credit was affected seriously as well. They have a new court date with the wrong amount owed. Someone in that company stole me payments of {$3200.00} and/or there are excessive hidden fees!!! I tried to settle with their attorney to no avail. I am on SSI! I tried to settle for {$2000.00} to no avail, which is all the money I have. This loan is illegal in the state of Illinois and is called a PREDATORY LOAN. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I tried several times to get proof that this debt is mine and they havent provided me with anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
Errors on my report are causing me financial harm by unfairly lowering my scores and blocking opportunities. Its frustrating to deal with the consequences of information that is not accurate.

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 2025-03-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: United Funding Logistics, LLC
State: GA

Complaint narrative:
They offerd a refund if you opted out of there new system, and would forfeit any rewards from pending litigation. I took them up on their offer 6 Mos ago and have not received a refund.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CT

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WV

Complaint narrative:
I am a XXXX who has worked over ten years in XXXX XXXX and has successfully made all 120 payments towards PSLF. All payments have been certified and I have filled out all the correct paperwork. I have been waiting for Mohela to " process '' my final payment since I made it in XXXX. Even though I have made all my required payments, Mohela is not granting my student loan relief. I am continuing to be billed and my credit report was reported to last week. I am currently on the phone on hold with Mohela. It has been 3 hours and nine minutes. I have already filed a complaint through the federal aid site.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Account Reporting Violation of FCRA ( 3rd Attempt ) To Whom It May Concern, I am formally disputing inaccurate reporting of my mortgage account with XXXX XXXX XXXX ( Account # XXXX ) ** across all three credit bureaus : Experian, XXXX , and XXXX . Despite previous attempts to have these errors corrected, the discrepancies remain, violating my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i. 

Errors & Violations Identified : 1. Account Term Discrepancy : XXXX reports 360 months, while XXXX reports 0 monthsa fundamental inconsistency violating FCRA 15 U.S.C 1681e ( b ) ( requirement to ensure maximum possible accuracy ). 
2. Date Last Active Inconsistency : XXXX : XX/XX/year>, XXXX : XXXXviolating accuracy provisions. 
3. Date of Last Payment Mismatch : XXXX : XX/XX/year>, XXXX : 10/01/2024discrepancy suggests unreliable reporting. 
4. Incorrect Payment History : Late payments are reported differently across bureaus. Inaccurate negative marks constitute a violation under FCRA 15 U.S.C 1681i ( a ) ( 5 ) ( A ), which requires unverifiable information to be deleted. 

Legal Precedent & Next Steps Under FCRA 15 U.S.C 1681n & 1681o, failure to correct or remove unverifiable information may result in legal action, allowing me to seek damages. Additionally, given recent lawsuits against Experian and XXXX regarding inaccurate credit reporting ( e.g., XXXX XXXX XXXX ), I am prepared to escalate this matter to : Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX  Potential Legal Action This is my final notice before I proceed with a formal complaint. I request an immediate deletion of this inaccurate account or a full investigation into these discrepancies. Please provide written confirmation of the resolution within 15 days. 

I have proof that XXXX remove this account off my credit report so Experian and XXXX should to as well. This is a prime reason of why my consumer rights are being violated and this this account should be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia, XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Complaint Against Experian for FCRA Violations and Unlawful Reporting of Bankruptcy Information To Whom It May Concern, I am filing a formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding the reporting of unauthorized information on my credit report. Specifically, Experian has unlawfully reported bankruptcy information without my consent, failed to conduct a proper investigation into my disputes, and improperly shared my personal information with third parties in violation of the FCRA. 

Under the FCRA, credit reporting agencies are not permitted to place items on a consumers credit report without their authorization. At no time have I provided Experian with permission to include bankruptcy or any other information in my credit file. Despite this, Experian continues to report a bankruptcy that is unauthorized. 

To support my dispute, I provided Experian with a copy of an email from the bankruptcy court explicitly stating that they do not share court information with credit bureaus. Additionally, I submitted a letter from XXXX confirming that the bankruptcy information was determined to be unverifiable. However, Experian willfully ignored the contents of this letter and continued to maintain the information in my file. 
Furthermore, Experian unlawfully shared my personal information with a third-party company to search for information about me. This constitutes an unauthorized disclosure of my private data, which is a direct violation of the FCRA. 

Pursuant to the FCRA, the following statutory damages and penalties apply : Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, Experian is liable for willful and negligent noncompliance with the FCRA, which entitles me to actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees if legal action is pursued.

Under 15 U.S.C. 1681b, Experian is prohibited from obtaining or sharing my credit information without a permissible purpose. Any violation of this provision further subjects them to liability. 

Given these clear violations, I demand that Experian immediately remove the bankruptcy from my credit file and cease all unauthorized reporting of my personal information. 

I request that the CFPB investigate Experians non-compliance with the FCRA and take the necessary enforcement actions to hold them accountable for their misconduct. 
Please provide me with an update on the actions taken regarding this complaint at your earliest convenience.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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