vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This complaint concerns the failure of all three Consumer Reporting Agencies ( CRAs ) Experian, Equifax, and TransUnionto comply with their statutory obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation, assure maximum possible accuracy, and provide results within the mandated timeframe, following multiple formal disputes.

This is the second time I have formally disputed this information, and the CRAs have failed to act on the initial dispute.Initial Dispute Timeline Failure : I initially disputed these accounts with all three CRAs in XX/XX/year>. This dispute, being my first formal notice, triggered the CRAs ' duty under FCRA 611 ( a ) ( 1 ) to complete a reinvestigation and provide results within 30 days. I received no satisfactory response or final written resolution for this initial dispute. This constitutes a direct violation of both the procedural deadline and FCRA 611 ( a ) ( 6 ) ( right to written results ).

Second Dispute ( Current Action ) : On XX/XX/year>, I submitted formal, detailed, written demands for reinvestigation to Experian, Equifax, and TransUnion via certified mail, reiterating my dispute and demanding immediate action. These letters, which included verification documents ( ID, birth certificate ), specifically demanded the permanent deletion of the collection accounts that are factually inaccurate, unverified, and unsubstantiated.Continued Non-Compliance : As of XX/XX/year>, ( over two months since the initial dispute and nine days after the second dispute ), I have received no written results of a reinvestigation from any of the three CRAs. The persistence of the disputed accounts violates the " maximum possible accuracy '' standard codified in FCRA 1681e ( b ) .The disputed collection accounts that remain on my credit reports, despite my clear statements of no contractual relationship, are : XXXX XXXX XXXXAcct # XXXX Experian, Equifax , TransUnion XXXX XXXX XXXXAcct # XXXX Experian, Equifax , TransUnion XXXX XXXX XXXXAcct # XXXX Experian, Equifax , TransUnion XXXXXXXX XXXX XXXXAcct # XXXX Experian, Equifax , TransUnion I have asserted in my letters that I have no contractual relationship, signed agreement, or history of business dealings with these third-party collection agencies. The CRAs ' failure to conduct a proper investigation into this claim, which requires obtaining the original signed contract and a complete chain of custody, is a failure to meet the " reasonable reinvestigation '' standard of FCRA $ 1681i.

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 2025-11-28 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: PR

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : DEPT OF ED / XXXX 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 non-monetary relief
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( 4 ) business days.

The following items on my report are a direct result of identity theft and must be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than XXXX year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported.

I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over 60 days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
The bank 's 2 representatives and a representative supervisor, XXXX, all declined to provide a refund for the fees. The representative stated that the fees resulted from the banks official transaction posting order. 

This is a case of 'Authorized Positive, Settled Negative ' ( APSN ) which the CFPB has identified as a potential unfair practice. 

On XX/XX/year>, the transaction for {$38.00} was authorized when I had sufficient funds in my available balance.

However, due to the bank 's internal processing order, the second fee for {$36.00} was charged when the transaction settled ( posted ), after an intervening charge or a different transaction posting sequence caused a negative balance.

I had sufficient funds to cover the transaction at the time of purchase and I am requesting the bank reverse both the first and second overdraft fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I was at gas pump and they charged my card and I didnt receive gas the gas station said they reloaded the funds back and Cash App is not trying to find a resolution for my money that I need

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it.

Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-11-28 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: TX

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-28 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: CA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

1. Validate Account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: OH

Complaint narrative:
This complaint concerns the failure of all three Consumer Reporting Agencies ( CRAs ) Experian, Equifax, and TransUnionto comply with their statutory obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation, assure maximum possible accuracy, and provide results within the mandated timeframe, following multiple formal disputes.

This is the second time I have formally disputed this information, and the CRAs have failed to act on the initial dispute.Initial Dispute Timeline Failure : I initially disputed these accounts with all three CRAs in XX/XX/year>. This dispute, being my first formal notice, triggered the CRAs ' duty under FCRA 611 ( a ) ( 1 ) to complete a reinvestigation and provide results within 30 days. I received no satisfactory response or final written resolution for this initial dispute. This constitutes a direct violation of both the procedural deadline and FCRA 611 ( a ) ( 6 ) ( right to written results ).

Second Dispute ( Current Action ) : On XX/XX/year>, I submitted formal, detailed, written demands for reinvestigation to Experian, Equifax, and TransUnion via certified mail, reiterating my dispute and demanding immediate action. These letters, which included verification documents ( ID, birth certificate ), specifically demanded the permanent deletion of the collection accounts that are factually inaccurate, unverified, and unsubstantiated.Continued Non-Compliance : As of XX/XX/year>, ( over two months since the initial dispute and nine days after the second dispute ), I have received no written results of a reinvestigation from any of the three CRAs. The persistence of the disputed accounts violates the " maximum possible accuracy '' standard codified in FCRA 1681e ( b ) .The disputed collection accounts that remain on my credit reports, despite my clear statements of no contractual relationship, are : XXXX XXXX XXXXAcct # XXXX Experian, Equifax , TransUnion XXXX XXXX XXXXAcct # XXXX Experian, Equifax , TransUnion XXXX XXXX XXXXAcct # XXXX Experian, Equifax , TransUnion XXXXXXXX XXXX XXXXAcct # XXXX Experian, Equifax , TransUnion I have asserted in my letters that I have no contractual relationship, signed agreement, or history of business dealings with these third-party collection agencies. The CRAs ' failure to conduct a proper investigation into this claim, which requires obtaining the original signed contract and a complete chain of custody, is a failure to meet the " reasonable reinvestigation '' standard of FCRA $ 1681i.

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 2025-11-28 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: OH

Complaint narrative:
This complaint concerns the failure of all three Consumer Reporting Agencies ( CRAs ) Experian, Equifax, and TransUnionto comply with their statutory obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation, assure maximum possible accuracy, and provide results within the mandated timeframe, following multiple formal disputes.

This is the second time I have formally disputed this information, and the CRAs have failed to act on the initial dispute.Initial Dispute Timeline Failure : I initially disputed these accounts with all three CRAs in XX/XX/year>. This dispute, being my first formal notice, triggered the CRAs ' duty under FCRA 611 ( a ) ( 1 ) to complete a reinvestigation and provide results within 30 days. I received no satisfactory response or final written resolution for this initial dispute. This constitutes a direct violation of both the procedural deadline and FCRA 611 ( a ) ( 6 ) ( right to written results ).

Second Dispute ( Current Action ) : On XX/XX/year>, I submitted formal, detailed, written demands for reinvestigation to Experian, Equifax, and TransUnion via certified mail, reiterating my dispute and demanding immediate action. These letters, which included verification documents ( ID, birth certificate ), specifically demanded the permanent deletion of the collection accounts that are factually inaccurate, unverified, and unsubstantiated.Continued Non-Compliance : As of XX/XX/year>, ( over two months since the initial dispute and nine days after the second dispute ), I have received no written results of a reinvestigation from any of the three CRAs. The persistence of the disputed accounts violates the " maximum possible accuracy '' standard codified in FCRA 1681e ( b ) .The disputed collection accounts that remain on my credit reports, despite my clear statements of no contractual relationship, are : XXXX XXXX XXXXAcct # XXXX Experian, Equifax , TransUnion XXXX XXXX XXXXAcct # XXXX Experian, Equifax , TransUnion XXXX XXXX XXXXAcct # XXXX Experian, Equifax , TransUnion XXXXXXXX XXXX XXXXAcct # XXXX Experian, Equifax , TransUnion I have asserted in my letters that I have no contractual relationship, signed agreement, or history of business dealings with these third-party collection agencies. The CRAs ' failure to conduct a proper investigation into this claim, which requires obtaining the original signed contract and a complete chain of custody, is a failure to meet the " reasonable reinvestigation '' standard of FCRA $ 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: IL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : 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 XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
Subject : Truist Bank Denial of Fraud Claim Violation of Regulation E What happened : I experienced 20 unauthorized transactions on my Truist checking account ending in XXXX totaling {$5200.00} on XX/XX/XXXX and XX/XX/XXXX. I reported the fraud immediately, on both XX/XX/XXXX and XX/XX/XXXX, well within the 60-day window required under the Electronic Fund Transfer Act ( Regulation E ).

Truist opened claim Case # XXXX ] but denied my dispute without providing any evidence that I authorized these transactions. I did not authorize, approve, or benefit from these transfers in any way.

Under Regulation E, Truist is required to : 1. Conduct a reasonable investigation 2. Provide provisional credit within 10 business days ( up to 20 business days in limited situations ) 3. Provide documentation showing how the decision was made Truist failed to provide provisional credit and failed to provide evidence supporting its denial. Repeated attempts to get answers from the Fraud Department and Customer Service have been unsuccessful.

Desired resolution : Immediate reimbursement of the {$4700.00} in unauthorized charges ( {$5200.00} - {$500.00} credit from XX/XX/27 ) Reimburse any associated overdraft fees or penalties Provide documentation used in the denial decision, as required by Regulation E I am requesting the CFPB ensure Truist complies with federal law. 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 non-monetary relief