vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I called Best Buy customer service because my balance was higher than expected. I spoke to a rep and he said its because our promotional interest has been expired and the interest incurred about {$1700.00} on top of the balance which is too high. I asked to be transferred to a supervisor and I spoke to XXXX and he said as long as I pay the remainder balance of {$1600.00} he can waive the additional interest charges charged to the account. I asked him to give me till Friday ( XX/XX/year> ) so I can get some additional funds. 

I called on Friday ( XX/XX/year> ) to make the payment of {$1600.00} and once they made the changes on their end the rep XXXX advised there was another interest incurred so we still have a balance of {$81.00} to make the balance XXXX. I was upset but I made another payment of {$81.00} again and asked him to email me a paid in full letter and he said he will not be able too since the system is not updated and it takes about 1-2 business days. 

Now today its XX/XX/year>, I called and its saying I have another balance of {$72.00}, I asked to be transferred to a supervisor and they hung up the phone on me. 

I really don't know what to do anymore and make this complaint so I can have this issue resolved ASAP. 

Thank you.

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 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB Representative, I am filing this complaint because TransUnion is reporting multiple inaccurate and unauthorized items on my credit report. I have attempted to dispute these items, but the errors remain. I request your assistance in investigating and correcting these inaccurate entries in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX This address does not belong to me. I have never lived, worked, or been associated with this location. Please remove it immediately as it is inaccurate. 
XXXX XXXX XXXX, XXXX, XXXX  XXXX This address is also incorrect and has no connection to me. Please delete this address from my file. 
XXXX XXXX XXXX  Account # XXXX High Balance : {$32000.00} Date Opened : XX/XX/XXXX I dispute the late payment reporting. I consistently made on-time payments, and this derogatory mark is inaccurate. Please correct the account history. 
DEPTEDNELNET Account # XXXXXXXX XXXX High Balance : {$32000.00} Date Opened : XX/XX/XXXX The late payment reporting is false. I am requesting that you update the history to reflect on-time payments, as I never made late payments on this account. 
XXXX XXXX Account # XXXX High Balance : {$250.00} Date Opened : XX/XX/XXXX I have no knowledge of this account and have never received any documentation validating this debt. Please delete this collection from my report for failure to provide verification. 
XXXX Inquiry Date : XX/XX/XXXX I did not authorize or apply for any credit with this company. Please remove this unauthorized inquiry. 
XXXX XXXX  Inquiry Date : XX/XX/XXXX This is an unauthorized inquiry that was not initiated by me. Please remove it. 
REQUEST FOR CFPB ACTION I am requesting that the CFPB : 1. Investigate these inaccurate address entries 2. Review the false late payment reporting 3. Investigate the collection account that lacks validation 4. Remove all unauthorized hard inquiries 5. Ensure TransUnion complies with FCRA accuracy and correction requirements These incorrect entries are causing serious harm to my creditworthiness and must be handled urgently. 
Thank you for reviewing my complaint. I appreciate your assistance in ensuring that my credit file is accurate and fair.

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 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I am filing this complaint because a lender requested my bank statements for the stated purpose of employment verification only, but then used those statements for a different purpose to deny my loan. 

The lender told me the statements were needed strictly to verify my employment/income. Instead, after reviewing them, they reversed their loan approval and denied my application based on their judgment of how my bank account looked, which was never disclosed as part of the stated evaluation criteria. 

This appears to be : A misrepresentation of the purpose of the documentation request A possible violation of the Equal Credit Opportunity Act ( ECOA ), because the stated reason for the denial does not match what I was told verbally A failure to provide a clear, legitimate, and consistent adverse action explanation I am requesting that the CFPB investigate whether the lender : Misused my personal financial information Failed to follow federal underwriting disclosures Discriminated or acted inconsistently with ECOA requirements Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I attempted to open a new checking account with Truist Bank and provided an {$18000.00} cashiers check as the opening deposit. Immediately after accepting the check and placing a standard hold, the bank restricted the account, blocked all access to the funds, and informed me that I would be unable to use the money even once the check cleared. 

The account has not been formally closed, yet it has been effectively frozen. I can not withdraw, transfer, or access a single dollar. Despite this, Truist is still holding my {$18000.00} cashiers check and refusing to return it. 

I have received no written notice, no explanation, and no legally required disclosure of any adverse action. I have been given inconsistent and unclear verbal statements referencing risk systems and possible involvement of XXXX XXXX XXXX. When I contacted XXXX  directly, they told me their review could take 3045 days and confirmed they have made no findings. Meanwhile, Truist continues to retain my funds without providing any documentation or justification. 

At this point, the bank is : Holding my money without granting me access to it, Refusing to return the instrument, Declining to provide written notice of any action taken, Giving contradictory information, And creating significant financial harm and instability for me. 


This situation leaves me with no way to access my own money, no clarity, and no legal explanation. Truist has effectively taken possession of my funds while disclaiming responsibility for the hold, blaming internal systems, and offering no path to resolution. 

I have asked repeatedly for one of three simple outcomes : 1. Release the funds, 2. Return the cashiers check, or 3. Provide written explanation for why the bank believes it is entitled to hold my money while denying all access. 



Truist has refused all three. 

This situation is causing immediate hardship and appears to reflect a serious breakdown in the banks compliance or risk procedures. I am requesting CFPB intervention to compel Truist to release the funds or return the check without further delay, as the current situation is unreasonable, harmful, and completely unsupported by any formal notice or determination.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
Would you give this entry a review? Its overdue and possibly flawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-17 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: WI

Complaint narrative:
Dear experian/equifax/TransUnion. I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 USC code 1681c-2 ( section 605B ), I request that you immediately block and remove the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to Equifax and Experian. To support this request, I have included the following documents : XXXX A copy of my government issued photo Identification : XXXX An identity theft report from the FTC : XXXX proof of address. sequium account # xxxxxxxxx {$360.00}, sunrise credit account # xxxxxxxxx {$260.00}. Please confirm the account name, number has been blocked and deleted in ( XXXX ) business days, as fraudulent activity violates my rights under FCRA section 605B. If additional information is required contact me promptly. Thank you for your attention to this matter, sincerely, 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 2025-11-17 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: WI

Complaint narrative:
Dear experian/equifax/TransUnion. I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 USC code 1681c-2 ( section 605B ), I request that you immediately block and remove the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to Equifax and Experian. To support this request, I have included the following documents : XXXX A copy of my government issued photo Identification : XXXX An identity theft report from the FTC : XXXX proof of address. sequium account # xxxxxxxxx {$360.00}, sunrise credit account # xxxxxxxxx {$260.00}. Please confirm the account name, number has been blocked and deleted in ( XXXX ) business days, as fraudulent activity violates my rights under FCRA section 605B. If additional information is required contact me promptly. Thank you for your attention to this matter, sincerely, XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
MIDLAND is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND is a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
Could you check the details of this entry? Its late and might be wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently looked at my credit report from TransUnion and I found several hard inquiries that are the result of identity theft. 

These inquiries were not authorized by me and should be removed. 

Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that these must be removed within XXXX business days of receipt. 

These inquiries are causing me hardship and are preventing me from obtaining new credit. 

List Hard Inquiries : XXXXXXXX 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  These inquiries have no permissible purpose. Delete these inquiries pursuant to FCRA 605B.

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 2025-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding an invalid collection account that was created as a result of XXXX XXXX incorrectly reporting a balance I do not owe. My auto policy with XXXX renewed on XX/XX/XXXX of each month. I made my renewal payment on XX/XX/year>, which provided full coverage for the month of XXXX. I have documentation proving this payment. 
On XX/XX/year>, I was involved in a car accident in which I was legally not at fault, and my vehicle was declared totaled. I requested a document proving my total loss, in which progressive would not provide to me directly. My coverage was fully active at the time. I later canceled the policy, but only after I had already paid for the full XXXX coverage period. There was no remaining balance or past-due premium owed. 
Despite this, XXXX sent an invalid balance to collections and the debt was then sold to a third-party agency. This balance is not accurate, not owed, and is damaging my credit. I have repeatedly provided proof of payment and proof of coverage, and this debt should never have been created or transferred. 
I am requesting an immediate investigation, removal of this invalid balance, and notification to the credit bureaus to delete the collection account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Kiavi, Inc.
State: OR

Complaint narrative:
I was sold a Fraudulent home from XXXX XXXX XXXX XXXX that was found on the City Demolished Homes List. XXXX XXXX did not disclose the house has been vacant for over XXXX  years, and has Mold inside the home. XXXX XXXX also never disclosed the many City Code Violations that have been against the home for multiple years before my purchase date. XXXX XXXX was not able to sell this house to any other investors during the Deed in Lieu of Foreclosure process, so they decided to push the house into Foreclosure. XXXX needs to take this home back immediately, because it's a home that was sold Fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
Bank Allowed Unauthorized Charge on a Canceled Debit Card, No Overdraft Protection, Causing Hardship On XX/XX/XXXX, I reported an unauthorized attempted charge from XXXX to XXXX XXXX. The bank canceled my debit card and assured me multiple times that no new charges could post because the card was permanently disabled. They also said the merchant does not have access to your account information anymore once the card is canceled. 

Despite this, on XX/XX/XXXX, XXXX XXXX allowed XXXX to process a new charge of over {$1600.00} to the canceled card. This pushed my account more than {$1000.00} into the negative, even though I do NOT have overdraft protection at all. I have never enabled overdraft coverage, so the account should not have been allowed to go negative under any circumstances. 
This error caused severe financial hardship. 

When I contacted XXXX XXXX : They confirmed that a dispute was filed. 

They said they submitted a request for a provisional credit. 

They could not explain how the merchant was able to charge a canceled card. 

They could not explain why my account is still showing a large negative balance. 

They provided inconsistent explanations about pending transactions and how canceled-card charges work. 
One representative said the charge was allowed because the hold on the XXXX was different from the charge on the XXXX, but this does not make sense because the card was canceled before the charge on the XXXX. 

I am requesting CFPB assistance because XXXX XXXX allowed an unauthorized charge on a canceled debit card, allowed my account to go far into the negative even though I have no overdraft protection, and has been unable to provide any clear explanation or resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to file a formal complaint and demand immediate action regarding the inaccurate reporting of a bankruptcy on my credit report by credit bureaus. Despite repeated attempts to rectify this issue, the credit bureaus have failed to provide verifiable proof of the accuracy of this entry. According to information obtained from the court, they do not report bankruptcy information to any credit agencies. Therefore, the credit bureaus ' assertion of accuracy lacks credibility and violates my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
I have no relation to these accounts ; they must be cleared in XXXX days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I enrolled in an online program at XXXXXXXX XXXX. After taking some classes, I realized the program was not what was advertised and did not fit what I needed. When I tried to stop attending and withdraw, I was pressured by advisors to stay and switch into other programs I did not want. I felt pushed to continue instead of being allowed to leave the program. 

Even after expressing that the program was not working for me, the school kept encouraging enrollment, and I ended up owing money for a program that did not help me or match the expectations set when I enrolled. I requested an itemized account breakdown, attendance dates, and proof of any agreements for continued enrollment, but the school did not provide this information. 

I am requesting a review and adjustment of the charges due to misrepresentation of the program, continued pressure to stay enrolled after I attempted to withdraw, and failure to provide documentation I asked for.

Company response to consumer: Closed with explanation