vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/scrub>, 2023 I noticed fraudulent activity on my checking account at Truist Bank. I immediately went to the branch nearest me and advised the manager there that there was fraudulent activity on my account. He froze the account and advised me that there were multiple fraudulent transactions in process through something called XXXX which was in my online banking app. He assisted me with contacting Truist Fraud Dept who opened an investigation into the charges. 

All of the charges were reversed except the one for {$910.00}. I was told repeatedly that " it just takes time to resolve, and that I should be patient. '' Now, nearly a year and a half later, I am told that an analyst denied the {$910.00} charge because the bank did not recover that transaction value from the recipient. That is NOT MY PROBLEM. I have fraud protection as part of the service I pay for at Truist Bank. They did not protect my accounts from fraud. 

I simply want the stolen money refunded. I did not authorize this transaction. The bank has a fiscal responsibility to protect my funds and they failed to do that. They blame it on XXXX, which is a third party company. XXXX advised that Truist manages the transactions behind their paywall and that they have no oversight for those transactions. Who is looking out for the consumer? I can't be the only one who has been targeted like this. Why are they not doing more to protect our life savings? 

Please help me recover this money. I am a XXXX  mother of XXXX kids and I can't afford to just walk away from this. 

Thanks in advance 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 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CO

Complaint narrative:
Subject : Mohela Misrepresentation and Failure to Correct Inaccurate Capitalized Interest While on XXXX User ID XXXX In XX/XX/XXXX, I was advised by a Mohela representative to switch from the XXXX plan to in-school deferment to avoid payments during the ongoing legal pause. This was inaccurate advice. Under XXXX, I would have remained in administrative forbearance without interest accrual, whereas in-school deferment allowed interest to accumulate. 

I attempted to clarify the issue multiple times but was unable to reach anyone due to call wait times exceeding 5 hours. I finally reached an advanced specialist in XX/XX/XXXX, who acknowledged that Mohela made a mistake and assured me the interest would be removed. I followed up with a written summary of that conversation via email. 

Today ( XX/XX/XXXX ), I again spoke with a Mohela advanced specialist, who confirmed the error and stated that a formal letter documenting Mohelas mistake is being drafted. However, they were unable to provide a timeline for correcting the falsely accrued interestnow totaling {$12000.00}. 

Additionally, I made a payment of {$1700.00} that was improperly applied to interest rather than to the principal. I have received no updates or resolution on this misapplication. 

I am now attempting to refinance my loans to a private lender, but Mohelas delay in correcting this {$12000.00} error is inflating my balance and preventing an accurate payoff. This is causing financial harm and obstructing my ability to act in my own best interest. 


Thank you for any assistance, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, my cash app withdrawal request was submitted for {$180.00} on XX/XX/XXXX. I received notification that the transaction was complete and it was deposited to my bank. I called my bank money was not there so I returned call to cash app and they started an investigation I waited the amount of days youre supposed to wait And got notification that the transaction had been deposited at my bank although they would not confirm any banking identification numbers with me and so I called my bank again they told me to get a trace number so I called Cash app got the trace number and all of this stuff is documented inside of my chat with them. Call my bank give them the trace number they do not find it. I give it another couple of days because of cash app is escalated it again called my bank back. Still nothing. This has been going on ever since XXXX XXXX. I have called Cash app 23 times every single day since then trying to find a way to at least talk to a manager or somebody that could help me other than just telling me it was transferred maybe even confirm numbers Im not successful. I had contacted my bank yesterday again and I have been emailing them all my documents that Im getting from Cash app because theyre trying to locate the {$180.00} deposit as of this time it has not been located and cash app has closed the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-07-24 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: EQUIFAX, INC.
State: OH

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: VA

Complaint narrative:
I filed a dispute with Blackhawk Network on XX/XX/year>2025, for {$500.00} in unauthorized charges on my XXXX gift card. I submitted every document they asked for including ID, card images, proof of address, and a police report. The only item missing was a notarized dispute form, which Ive repeatedly explained is impossible to notarize, as confirmed by the XXXX notary. 

Blackhawk ignored my waiver request, refused to provide alternatives, and continued sending automated, repetitive replies with no human review. On XX/XX/XXXX, their supervisor XXXX refused to even open my file. Then on XX/XX/XXXX, they suddenly accused me of inconsistencies but gave no details or proof. In their XXXX  response, they completely changed their story again, now claiming an error was found but again, offering no explanation. 

This is a clear case of bad faith. I have made every effort to cooperate. Blackhawk has lied, stalled, and contradicted itself while refusing to review the actual facts. 

If this is not resolved immediately, I will escalate this to the issuing bank and pursue every available remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-24 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: PA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-24 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: CBC Companies, Inc.
State: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-24 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} INQUIRIES : XXXX Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
On XX/XX/year> and Crunch Fitness identified the debt of {$290.00} as an agreement which I cancelled on XX/XX/year> with Crunch Fitness in XXXX XXXX. XXXX XXXX submitted the debt collection to the firm below : Aldous XXXX XXXX XXXX. XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Re : XXXX On XX/XX/XXXX, I informed the firm that I requested Crunch Fitness cancel my membership on XX/XX/year> so that I would not be charged monthly fees between XXXX to XX/XX/year>. XXXX XXXX refused to acknowledge my request nor did they attempt to tell me how I could cancel my account. The XXXX has threatened to report my debt to credit reporting agencies. As a taxpayer, I want the the CFPB to inform the firm that its undue harassment is illegal and will not be tolerated by the current administration in Washington XXXX. I have tried to resolve this dispute amicably with the XXXX but they have refused to do so. I know that these onerous practices are experienced by others and I hope that this firm and XXXX XXXX will stop these unfair debt collection practices. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
EXPERIAN SUBSIDIARY CONSUMER RIGHTS VIOLATION Clarity Services XXXX XXXX, " a part of Experian, '' has systematically violated federal consumer protection law by creating improper roadblocks to consumer credit freeze requests while its parent company, Experian XXXX XXXX XXXX XXXX, is under active CFPB enforcement ( Case XXXX, XXXX. XXXX. ). 

VIOLATION TIMELINE : - XX/XX/year> : Submitted credit freeze request with adequate documentation ( full legal name, driver 's license copy, utility bill copy ) - XX/XX/year> : Clarity demanded additional unnecessary documentation ( Social Security card copy ) - XX/XX/year> : Sent regulatory compliance demand citing parent company CFPB enforcement SYSTEMATIC CONSUMER RIGHTS OBSTRUCTION : Clarity Services violated federal consumer protection principles by : 1. UNREASONABLE DOCUMENTATION DEMANDS : Demanding Social Security card copies beyond industry-standard verification ( name, government photo ID, utility bill ) 2. UNNECESSARY SECURITY RISKS : Requesting SSN card copies creates identity theft vulnerabilities without legal justification 3. IMPROPER CONSUMER BARRIERS : Creating obstacles to legitimate consumer rights during the parent company 's federal enforcement period 4. COORDINATED SUBSIDIARY VIOLATIONS : Implementing the same disputed policies that resulted in the CFPB lawsuit against the parent company, XXXX XXXX SUBSIDIARY COORDINATION : This violation demonstrates the systematic consumer protection failures alleged in CFPB XXXX XXXX  XXXX XXXX XXXX XXXX ( Case XXXX ). While XXXX faces federal enforcement for consumer rights violations, its subsidiary, Clarity Services, implements identical obstacle-creation policies. 

REGULATORY COORDINATION REQUESTED : This matter should be coordinated with ongoing CFPB enforcement against Experian to address systemic violations across the entire corporate structure, including subsidiary operations that implement disputed parent company policies. 

CONSUMER IMPACT : - Privacy rights invasion through unnecessary SSN card demands- Delayed credit protection implementation - Administrative burden beyond reasonable verification standards- Systematic consumer rights obstruction during the federal enforcement period

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
I have previously disputed Experian, XXXX XXXX XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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