vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year>XXXX XXXX XXXX XXXX  charged my debit card at Truist for {$690.00}. I disputed the charge and the bank denied the claim without any evidence. 

XXXX XXXX XXXX, the merchant is willing to provide evidence, such as shipping address and ip address associated with the sale but only with the bank. The bank isn't interested in this information. 

Bank continues to deny my claim although I never made this purchase. Bank continues to harass me daily for this charge I never made and does not do their due diligence in providing me with any documentation for their decision.

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 2025-11-06 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: NC

Complaint narrative:
I dispute the following items on my Equifax credit report. I believe they are inaccurate or incomplete and request an investigation. 

CHARGED OFF : XXXX XXXX XXXX  - Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX  XXXX - Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} INQUIRIES : XXXX XXXX - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX LATE PAYMENTS : XXXX - Account # : XXXX XXXX - Account # : XXXX XXXX - Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: VA

Complaint narrative:
Dear TransUnion, I am disputing the following items on my TransUnion credit report, as they are either inaccurate, incomplete, or unverifiable. Please investigate the following : Inquiries : XXXX CARD Date Reported : XX/XX/year> BANK/NC Date Reported : XX/XX/year> BANK/NC Date Reported : XX/XX/year> Late Payments : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to express my deep disappointment upon discovering a XXXX  entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of 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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WESBANCO BANK, INC.
State: OH

Complaint narrative:
On XX/XX/2025 at XXXX I stopped at a WesBanco Bank branch that I don't normally stop at in XXXXXXXX XXXX XXXX because I was out of town. I attempted to deposit {$47.00} into my checking account through the ATM # XXXX because I had never had problems with that system before. The ATM took my money, counted it, then displayed an error message on the screen saying that the system failed and my money would be returned. It then printed out a receipt saying " We encountered a problem returning your cash. Please contact your financial institution. '' I proceeded to call the customer service hotline, but since it was not a business day, they couldn't connect me to the branch itself and resolve the issue until Monday. I waited and waited and never received a call, so I called in again and was patched through. I then spoke to a woman who said I needed to call the branch where this occurred and since I lived in a different city, I couldn't have been at this branch. She reluctantly transferred me to her manager via email, which she tried to give me the incorrect email address at first. I spoke to the manager about the problem various times over email, she claimed the ATM was balanced, denied and later recanted that the ATM number matched her branch location, then confirmed that I was at their branch at the exact time printed on my receipt and that I had deposited cash and not received any out of the machine after verifying via security camera, but only after I had to fight with her to check. She sent me an encrypted message saying they sent me a letter, which I never received, and I sent my mailing address to confirm they sent it to the right address to which she responded " I can't help you, I don't know what you want me to do. '' I realized I was never going to get anywhere with the bank so I stopped reaching out to them because they were so incredibly unhelpful. My account has since been closed with this institution because they are incredibly unreliable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MN

Complaint narrative:
Ive tried to log into my account on multiple occasions, but the system does not recognize my information. I also attempted to contact customer service, but the wait time is always several hours long, and there isnt an option to receive a call back

Company response to consumer: Untimely response
Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GMA Investments, LLC
State: SC

Complaint narrative:
I received a call from XXXX XXXX- it came up on my phone as XXXX. The voicemail that was left, was only his name and then he stopped and said " what's up ' and the voicemail disconnected. XXXX then called my mother, and left a detailed message, claiming there was a claim that is in the process of being filed to the county, not against her, but me and provided my name and a reference number. When I called the number provided XXXX - I got a XXXX XXXX. While pleasant, he spoke very fast and how my account was in the process of being sent to the county for legal action and they would be sending someone to my house. When I asked where he was calling from and who is the debtor, because they don't identify their company, he said XXXX XXXX but told me I wouldn't be able to look them up online because they have no website. Then he proceeded to tell me that I needed to set up payment arrangements immediately in order to keep my account from going to the county for legal action. For fear of all of this, I set up a payment arrangement but now that I went out to the XXXX website it says : Your outstanding balance of {$2800.00} has been sold to XXXX XXXX XXXX. If you have questions please contact XXXX XXXX XXXX at XXXX. So who is XXXX? And can they do all of this or have I been mislead? Debt is from XX/XX/year>.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-06 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: MS

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of a closed/charged-off credit card account from XXXX XXXX XXXX. The account was charged off in XXXX, and there has been no activity since XXXX, yet XXXX XXXX is still reporting the account to the credit bureaus as : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' This is factually inaccurate, because a charged-off account can not be open or revolving. Reporting it as open inflates my utilization and misrepresenting my current credit capacity, which is misleading and harmful. This violates FCRA 1681e ( b ) ( accuracy and completeness ) and FCRA 1681s-2 ( a ) ( duty to furnishers to report correct information ). Under Metro 2 reporting guidelines, a charged-off account must be coded as Closed, Charged off, or no active credit limit. I have mailed a Direct Furnisher Dispute under FCRA 1681s-2 ( a ) and am requesting CFPB oversight to ensure proper correction. Additionally, this account is being reported as " XXXX XXXX '' month after month for over 18 months, despite there being no activity, no payments, and no contractual credit line since XXXX. This constitutes illegal re-aging, misrepresents the date of the last activity, and is a violation of : FCRA 1681s-2 ( a ) ( 1 ) ( A ), FCRA 1681c ( a ) ( 4 ) & ( 5 ), CFPB Regulation F- furnishing accuracy guidance, and Metro 2 Reporting Guidelines ( Field : Account Status Freeze ). The " XXXX '' status is required to be reported only once, on the date of charge-off, then the status must be frozen. Your current reporting is inaccurate and misleading, and has the effect of artificially depressing my credit score.

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 2025-11-06 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: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-06 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-11-06 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX  are reporting an inaccurate and unverifiable account under the name SYNCB/XXXX  XXXXXXXX, Date Opened XX/XX/year>, with a High Balance of {$3700.00}, listed as a Charge-Off. I have no knowledge of this account and have never opened, authorized, or maintained any financial relationship with SYNCB/XXXX. This account is being falsely reported under my credit file and is completely unverifiable. 

This false entry is severely damaging my credit reputation and violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ( a ) ), which require credit reporting agencies to maintain maximum possible accuracy and to promptly delete any unverifiable or inaccurate information. Despite my prior dispute, this account continues to remain on my credit report without any legitimate documentation or proof from the original creditor verifying its authenticity. 

The continued reporting of this unverifiable account has caused significant harm to my credit profile, unnecessary stress, and financial hardship by reducing my credit score and limiting my access to fair credit opportunities. Such negligence reflects noncompliance with federal consumer protection laws and demonstrates a failure to uphold the standards of accurate and fair credit reporting.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

For this Items Below Please do as what instruction in compliance of the law.

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 2025-11-06 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 am submitting a dispute regarding the following charged-off accounts on my Experian report. I respectfully request that these accounts be thoroughly reviewed for accuracy, as I believe they may contain errors or inaccuracies that need to be corrected under the Fair Credit Reporting Act ( FCRA ). If any information can not be verified or is found to be inaccurate, I request that it be removed from my credit report. 

Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX Account Number : XXXX Date XXXX : XX/XX/XXXX Balance : {$1800.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00}

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 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
I have an account with Santander XXXX USA for my XXXXXXXX XXXX XXXX XXXX purchased in XXXX of XXXX. I tried to pay off the car loan last month ( XX/XX/XXXX ), and the online portal said I could not make a payment that large within the same day. I assumed it was something to do with my bank account, so I set up a payment with the quoted payoff amount ( {$7900.00} ) for the next month, to go through on XX/XX/XXXX. XX/XX/XXXX came and went and the charge had still not hit my checking account. After chatting with a bot on Santander 's website, I asked to speak to a person. That person said they could see the {$9000.00} payment to my account as of XXXX, but " XXXX '' could not tell me why my next payment did not go through. I was then logged out of the account and lost the chat, but not before taking a screenshot. I then called Santander to ask why the payment did not go through. The person who answered the phone looked through my account, saw the payment from XXXX, and said she could make a payment for the new payoff amount ( {$8000.00} ). I argued that I had been quoted {$7900.00} that was good through XX/XX/XXXX ( tomorrow ). She said any additional charges would be credited back to my account. She then put through the new payoff amount of {$8000.00} and received an " error '' that the amount exceeded my monthly payment limit of {$12000.00}. I let her know that having a payment limit was not legal in the State of XXXX  due to the Uniform Consumer Credit Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She said " I'm very sorry but you can not make that payment amount. '' She then said I could make a payment of {$3000.00}, or wait until XX/XX/XXXX to pay off the rest. I again told her this was illegal, thanked her for trying to help me, and asked to speak to a supervisor. She said she would transfer me, put me on hold for a few minutes, and then the call was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
Please examine this entryits overdue and potentially incorrect.

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