vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently received a copy of my credit report and noticed multiple addresses that never belonged to me the addresses are XXXX XXXX XXXX XXXX Il XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I will like these addresses removed from my credit report immediately. Supporting Documentation To further validate this request, I have enclosed a copy of my identity theft report and multiple forms of identification to verify my Identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing to file a complaint and compliance statement regarding the mishandling of an insurance disbursement check deposited at Truist Bank. 

Following storm damage to my home, my insurance company approved approximately {$14000.00} for repairs. These funds were issued to XXXX XXXX XXXX XXXX, my mortgage lender and lienholder, who in turn released the first installment check in the amount of about {$3500.00}. This check was made payable to me and my contractor as co-payees. 

On XX/XX/2024, I deposited this check into my account at Truist Bank. I was informed that the funds would be available on XX/XX/2024. However, the funds were not released. Instead, Truist froze my account, withheld my remaining {$500.00} balance, and eventually closed my account. I was referred to the fraud department and wrongfully reported to XXXX  for check fraud. 

To demonstrate compliance and good faith, I immediately provided : 1. A letter from XXXX XXXX XXXX Bank confirming the validity of the check they issued. 
2. The insurance approval for the {$14000.00} in repair work.

3. The contractors information tied to the project. 

Despite these efforts, Truist has not released my funds. Even after XXXX XXXX XXXX XXXX  confirmed directly with Truist that the check was valid, no resolution has been provided. 

This situation has caused significant hardship. For over a month, from XX/XX/XXXX through XX/XX/XXXX, I called Truist twice dailymorning and afternoonseeking updates. No one provided answers, guidance, or assistance. Because my account was closed, I was also forced to change my direct deposit in order to continue receiving income. 

Meanwhile, I have been unable to complete the urgent repairs to my home because the funds remain withheld. As a single mother with a young daughter, this ordeal has been an unnecessary and exhausting burden, causing financial instability, stress, and reputational damage. 

I respectfully request that the CFPB intervene to ensure the following : Immediate release of the {$3500.00} insurance disbursement funds. 
Permanent removal of the fraudulent reporting from ChexSystems. 
Correction of my records to reflect that the deposited check was valid and not fraudulent. 
Accountability for Truists improper handling of my account and funds. 

I urge your office to take immediate action to protect my rights as a consumer and to resolve this matter fairly. 

Thank you for your time and attention. 

Sincerely,

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I opened a medical loan account with Synchrony Bank over the phone around XX/XX/XXXX. At no point during the phone application was I informed that deferred interest would be charged if the balance was not paid in full within the promotional period. I also never received any written or emailed disclosures about this at the time the account was opened. 
Importantly, the loan was opened while I was at work, and I relied entirely on the Synchrony representative to provide all required disclosures. I was not in a position to review any written information or fully assess the terms on my own. 
On XX/XX/XXXX, I was charged {$5800.00} in deferred interest. This was the first time I became aware of this condition. 
When I contacted Synchrony customer service on XX/XX/XXXX and spoke with account managers XXXX and XXXX, I was told that the disclosures in my monthly statements were sufficient. However, under the Truth in Lending Act ( TILA ) and Regulation Z, creditors are required to disclose all finance charges, including deferred interest terms, clearly and conspicuously at account opening not later in monthly statements. 
Later that same day, I spoke with another Synchrony agent named XXXX, who confirmed that Synchrony does not have a recording of the phone call when I opened the account, nor any record of how my account was opened, nor copies of the original account opening disclosures. This demonstrates that Synchrony can not prove they ever disclosed the deferred interest terms as required by 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 monetary relief
Consumer complaint received 2025-08-27 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$330.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-27 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XX/XX/XXXX - received phone call from Office of XXXX, they called my cell phone, my employer and family members, within moments of each other. When I returned the call ( same day ) I spoke with XXXX XXXX who threatened civil action if this account ( Best Buy credit card ) was not paid. That account was paid in full XX/XX/XXXX. 

XX/XX/XXXX - I emailed a copy of the Certificate of Satisfied Judgment that I received from the court when the account was paid off. In the email I respectfully requested that they stop contacting me regarding this debt that is not owed and to stop calling my employer and family/friends. 

XX/XX/XXXX- received a call on my work phone line from XXXX XXXX demanding payment or he was going to pursue legal action. Stating the account he's calling about is a different Best Buy account, there was only XXXX account! He stated that he called the local courthouse and verified that this is a different account. 

I don't know how to stop this agency and person from harassing me, my family/friends and calling my work. I provided the legal proof that this outstanding was paid and he refuses to stop.

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 2025-08-27 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Navy Federal Credit Union ( NFCU ) for what I believe to be improper and misleading practices related to a closed credit card account.

Issue Summary : My NFCU credit card account had a credit limit of {$3600.00}. 
The account was closed and charged off in XX/XX/XXXX, as reported to the credit bureaus. 
However, I recently received bank statements from NFCU, dated from late XXXX into XXXX, showing monthly payments and increasing balances after the account was supposedly closed and written off. 
These statements do not show itemized transactions or legitimate payment records, only balance changes. 
I did not make any payments, nor did I authorize or receive notification of any ongoing interest or fee accruals after charge-off. 
Despite this, the balance has increased to approximately {$5700.00}, which is far above my original credit limit. 
Additionally, I am now receiving communications from XXXX XXXX XXXX, a third-party company I have no prior relationship with, regarding this account. I have not received any debt validation or explanation from them. 
My Concerns : Why was I sent statements over a year after the charge-off, showing supposed payments and balance increases, without any supporting transaction history? 
How has my balance grown to {$5700.00} nearly {$2100.00} over the original credit limit with no breakdown or legal justification? 
If this account was charged off as a profit/loss in XXXX, how can NFCU continue adding charges, or implying payments were made? 
What is the legal basis for NFCU assigning or transferring this account to XXXX XXXX XXXX, without my knowledge or proper documentation? 
I believe this situation XXXX involve misreporting, improper debt collection, or violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 
I am requesting : A full investigation into the accuracy and legality of the balance NFCU is reporting. 
An explanation of the post-charge-off statements and why they reflect unexplained balance increases or " payments. '' Debt validation from any third party now contacting me. 
A correction or update of any inaccurate reporting to the credit bureaus. 
Attached : Copies of the NFCU bank statements ( XXXX ) Documentation of original credit limit Any recent communication from XXXX XXXX XXXX Thank you for your attention to this matter. I believe this issue is causing harm to my financial well-being and potentially violates federal consumer protection laws. I look forward to your help in resolving this situation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX To : Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX Equifax Information Services LLC XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX TransUnion XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  Re : Formal Dispute of Inaccurate/Unverified Account Reporting AR Resources Inc . 

To Whom It May Concern, I am formally disputing the accuracy and validity of the account being reported by XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX | ( XXXX ) XXXX ) in the amount of {$870.00}, recently placed on my credit report. 

This account is being reported in violation of my rights under : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. You are required to ensure all information reported is accurate, complete, and verifiable. If the furnisher of information can not provide proper documentation proving the validity of this alleged debt, it must be deleted immediately.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Upon notice of dispute, the CRA must conduct a reasonable reinvestigation within XXXX days. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) A furnisher may not report information that it knows or has reasonable cause to believe is inaccurate.

15 U.S.C. 1681e ( b ) CRAs must follow reasonable procedures to assure maximum possible accuracy. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e & 1692f Debt collectors may not use false, deceptive, or misleading representations, nor report unverifiable debts to credit reporting agencies. 

I demand that this account be deleted immediately from my credit file with your bureau. If AR Resources can not provide proper documentation bearing my signature, contract, and full chain of title validating the debt, then reporting this item is unlawful. 

This is my final notice. I am requesting that this inaccurate account be removed within XXXX business days of receipt of this letter. Failure to comply will leave me no choice but to pursue legal remedies for damages under 15 U.S.C. 1681n and 1681o, which allow for actual, statutory, and punitive damages, plus attorneys fees. 

Please send me written confirmation that this account has been permanently deleted. 

Sincerely, 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 2025-08-27 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:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 XXXX  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 explanation
Consumer complaint received 2025-08-27 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:
Pursuant to USC 1681g, these accounts are to be cleared in XXXX  days due to the discovered errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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 writing to contest inaccurate and fraudulent information on my credit report in strict accordance with 15 U.S.C. 1681c-2 and to formally demand the blocking of this egregious data. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) as irrefutable evidence supporting my identity theft claim. Under 15 U.S.C. 1681c-2, upon submission of an identity theft report, credit reporting agencies are legally obligated to block any information flagged by the consumer as resulting from identity theft within XXXX ( XXXX ) business days. The following information on my credit report is the direct result of identity theft and must be blocked immediately : I have been viciously victimized by identity theft, a fact I reported to the Federal Trade Commission, with the enclosed complaint serving as my proof. My credit report is contaminated with fraudulent ACCOUNTS and INQUIRIES that I neither authorized nor recognize, a travesty that has persisted despite my relentless efforts to resolve this outrage. Notably, the XXXX XXXX XXXX XXXX account has been illegally reinserted, compounding this injustice. 
All necessary documentation is included in this packet, with copies dispatched to your agency via fax and XXXX  Mail to ensure accountability. In addition, I demand the immediate and permanent removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report : ACCOUNTS : Account : XXXX XXXX XXXX  XXXX Account Number : XXXX Account : XXXX XXXX Account Number : XXXX Account : XXXXXXXX XXXX Account Number : XXXX INQUIRIES : Ally Financial, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX These accounts and inquiries are the poisonous fruit of a data breach that compromised my personal information, and your failure to act swiftly violates FCRA 15 U.S.C. 1681c-2. I expect this fraudulent data to be blocked within XXXX business days ( by XX/XX/XXXX ) and removed permanently. Provide written confirmation of compliance within XXXX  days ( by XX/XX/XXXX ), or I will unleash a torrent of complaints to the CFPB, FTC, and my state attorney general, followed by aggressive legal action for damages under FCRA Section 616 and 617. 
Act nowthis ends today.

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