vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened checking account in Truist Bank following https : XXXX I finished direct deposit more than {$1000.00} within XXXX XXXX. I am supposed to have {$400.00} cash bonus. Actually, I didn't. I called them for the reason, was told I opened checking account on XX/XX/XXXX, and not eligible for the bonus. I never opened account in Truist bank before, even I didn't hear of the bank. 

Even I opened the account on XX/XX/XXXX, based on the policy, I am still eligible for the cash bonus. 

Offer Eligibility : Clients that are the primary account holder on an existing personal checking account with Truist or who have closed a personal checking account with Truist on or after XX/XX/XXXX are not eligible to participate. Offer valid for Truist XXXX Checking accounts only. Primary account holder must be XXXX or older at the time of account opening. Truist employees, Directors, Officers, and Local Boards/Advisors are not eligible. Offer available only to XXXX residents with a valid XXXX taxpayer identification number. The qualifying checking account must be opened online and have a mailing address in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2025-07-15 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: AZ

Complaint narrative:
I am filing this complaint because all three major credit bureausEquifax, Experian, and XXXX inaccurately reporting XXXX charge-off accounts that should not be listed on my consumer file in their current form. The accounts in question are XXXX ( account number ending in XXXX ), dated XX/XX/XXXX with a charge-off amount of {$3400.00}, and XXXXXXXX XXXX ( account XXXX ending in XXXX ), dated XX/XX/XXXX with a charge-off amount of {$48000.00}. 

First and foremost, I have submitted multiple disputes regarding these accounts, providing clear documentation to demonstrate that the reporting is either outdated, inconsistent, or otherwise non-compliant with the Fair Credit Reporting Act ( FCRA ). Despite this, the bureaus continue to verify the information without providing a meaningful investigation or resolving the inaccuracies. I believe these unresolved inaccuracies may be the result of incorrect data propagation following a breach or mishandling of consumer datanot fraud, but systemic failure in safeguarding or updating records. Regardless of the source, I should not bear the consequences of poor data handling.

Under the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency is required to conduct a reasonable reinvestigation if a consumer disputes the completeness or accuracy of any item of information. Simply rubber-stamping the furnishers response without validating the data or cross-referencing consumer-provided documentation violates that duty. Furthermore, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. Continuing to report data that is clearly inaccurate or unverifiable, especially after being notified, is a failure to meet this standard. 

This erroneous reporting has had an ongoing and significant impact on my financial stability and emotional well-being. The presence of these charge-offs has harmed my credit profile, limited my access to fair credit options, and forced me into high-interest lending arrangements that I would not otherwise be subjected to. Beyond the financial consequences, its demoralizing and exhausting to continuously advocate for the correction of something that should have never remained unresolved in the first place. It is unacceptable for these agencies to rely on outdated or incorrect data at the consumer 's expense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NC

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 Human Trafficking debt bondage, which falls under trafficking according to Trafficking-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 XXXX 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 XXXX 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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
On XX/XX/year> for the third time in XXXX years Ive asked them to put me on a no call list. I owe no money to know one ever! This was for a XXXX 3 years ago I payed cash for! XXXX XXXX XXXX in XXXX XXXX Ive had corrected this issue 3 years ago. But they still insist on hassling me I have contacted XXXX XXXX they said they dont know why they are calling me that I dont owe anything that I have payed them in cash! They are very rude and talk over me when I know I dont owe money I am very tired of them for three years this has been going on Ive tried everything they owe me money now for hassling me! It should be three times XXXX dollars thats XXXX dollars. I have asked XXXX XXXX twice now to send them a cease a desists order. Please have them send me a check thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
I missed one payment after my loan was transferred to Fay Servicing. On XX/XX/XXXX, I called to request a reinstatement quote, access to make an online payment, and confirmation of the amount due. I was told Id be contacted or sent a letter but never received anything. When I followed up, the representative XXXX XXXX XXXX denied my request to speak with a supervisor, and I was given no help. 

XXXX also refused to provide any way to contact the investor or escalate the issue beyond their department, stating they could not share investor contact info or forward my request. 

Due to their delays and refusal to assist, I was charged daily default interest, even though I was trying to resolve the issue. I made the full payment ( including late fees ) on XX/XX/year>, but I dispute the added interest and how the situation was handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: OH

Complaint narrative:
I have identified a hard inquiry on my credit report from an entity with whom I have never conducted any form of business. I have not applied for credit, opened an account, or permitted this party to access my credit 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
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CT

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-15 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: LA

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 2025-07-15 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: GA

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 : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CT

Complaint narrative:
These accounts are not mine and appear to be fraudulent in nature. I urge you to investigate and take action by deleting them from my credit report. Attached are necessary documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint regarding an inaccurate late payment reported by Capital One for the month of XX/XX/year>2023 on my credit report. This payment was made on time. 

I submitted a dispute directly to Capital One requesting a thorough investigation into the alleged late payment. Specifically, I requested the following documentation : All internal records related to my account and the reported late payment A complete transactional history for the period in question Payment logs and timestamps verifying when my payment was received Any communications or notifications sent to me indicating the payment was late Verification of the accuracy of the late payment claim, including evidence of a missed or late payment Despite my formal dispute, Capital One failed to provide any documentation or evidence supporting their claim that my XX/XX/scrub> 2023 payment was late. I maintain that this payment was made on time and should not have been reported as late. 

Under the Fair Credit Reporting Act ( FCRA ), I requested that Capital One complete their investigation within 30 days and provide written confirmation of their findings, along with any corrective actions taken. To date, I have not received any such documentation or explanation. I received only credit card statements. 

If Capital One can not provide verifiable proof of the alleged late payment, I am requesting that the CFPB require them to : Immediately delete or correct the inaccurate late payment entry from all credit reporting agencies XXXX XXXX XXXX XXXXn ) Provide me with written confirmation of the results of their investigation and any corrective actions taken Supply me with copies of all records related to the disputed payment This inaccurate report is harming my credit profile unfairly, and I am requesting the CFPB to take action to ensure this issue is resolved in compliance with federal consumer protection laws. 

Requested Resolution : Correction or deletion of the inaccurate late payment Confirmation of investigation results and documentation Compliance with the 30-day requirement under FCRA Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
I did not authorize the listed inquiries, and their presence on my report is concerning. I request they be reviewed and, if found to be fraudulent, removed promptly. Supporting evidence is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
bringing attention to ARS inaccuracies present in my credit report that require immediate correction. Specifically, the following items need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX These entries are erroneous and contradict the provisions outlined in the Fair Credit Reporting Act ( FCRA ), particularly [ 15 USC 1681e ] ( b ), which mandates that consumer reporting agencies implement reasonable procedures to ensure the accuracy of the information they disseminate.

Furthermore, your agency has failed to adhere to [ 15 USC 1681b ] ( a ) ( 2 ) by furnishing reports without my explicit written consent. This action infringes upon my privacy rights as stipulated in [ 15 USC 1681 ] ( a ) ( 4 ).

I formally request the immediate deletion of these inaccuracies from my consumer file. Should your agency neglect this obligation, I will have no choice but to pursue legal action to enforce my rights.

The aforementioned violations constitute Aggravated Identity Theft under [ 18 USC 1028A ] ( a ) ( XXXX ), a felony offense punishable by up to XXXX years of imprisonment and subject to civil liabilities. Consequently, I am seeking compensation for the following damages : XXXX Permissible purpose - {$1000.00} XXXX Defamation of character - {$1000.00} XXXX Damaged reputation - {$1000.00} XXXX Damaged creditworthiness - {$1000.00} XXXX Damaged mode of living - {$1000.00} XXXX Infringed right to privacy - {$1000.00} XXXX urge your agency to cease the reporting of this incorrect and misleading information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
I disputed a {$18000.00} collection account from XXXX XXXX XXXX on XX/XX/year>, with Experian. On XX/XX/year>, Experian responded that the item was " verified as accurate '' but failed to provide any supporting documents or describe the method used to verify the dispute. 

On XX/XX/year>, I submitted a Method of Verification ( MOV ) request under FCRA 611 ( a ) ( 7 ) via certified mail. As of today, XX/XX/year>, I have not received a response. 

Experians response also indicated they updated " unrelated '' fields on the tradeline, which raises concerns of reporting manipulation and lack of reinvestigation. 

This behavior violates FCRA 611 ( a ) ( 1 ) ( A ) ( failure to conduct a reasonable reinvestigation ), 611 ( a ) ( 6 ) ( B ) ( iii ) ( failure to communicate investigation results ), and 611 ( a ) ( 7 ) ( failure to describe verification method ). 

I request that Experian either : Provide written documentation from XXXX verifying the account, Detail the method of verification, Or delete the tradeline if they can not verify the debt per law.

I am preserving all rights under the FCRA and reserve the right to escalate further should the MOV request remain unanswered past XX/XX/year>.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am filing a complaint against XXXX  XXXX XXXX for falsely reporting fraud to XXXX  after I was the victim of a scam. 

I sold an item on XXXX and received a cashiers check from the buyer. I deposited the check into my XXXX  XXXX XXXX account believing it was legitimate. I had no reason to suspect it was fraudulent. A few days later, XXXX  XXXX XXXX closed my account without warning. I later discovered that they reported me to XXXX  for fraud. 

I was the victim of fraud, not the person committing it. The scammer used a fake cashiers check to deceive me, and XXXX  XXXX XXXX classified me as a fraud risk without a proper investigation or chance to respond. As a result of their actions, I have been locked out of the banking system, denied by other banks, and flagged in XXXX  as a fraudster. 

I have submitted a written dispute to XXXX  XXXX XXXX and requested that they remove the false report from XXXX, but they have not resolved the matter. This has caused me financial harm, reputational damage, and emotional distress. 

I am asking the CFPB to investigate this matter and require XXXX  XXXX XXXX to : Remove the inaccurate fraud flag from XXXX Provide written confirmation that I was misclassified Compensate me for any losses or damages if applicable

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