vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist Bank has charged off a credit card account under my name and has initiated collection by taking funds from my linked Truist checking/savings accounts using right of offset. 

However, this account is not being reported to any of the three major credit bureaus XXXX XXXX XXXX XXXX making it impossible for me to verify or address it in the usual manner. 

I have not received clear written notice regarding the charge-off, no monthly statements, and the account does not appear in my online account portal. 

I requested Truist provide written verification and to confirm either : That no further collections will occur Or, that if they are collecting, they will clearly report it to my credit file and allow me the chance to resolve it I am seeking : 1. Written confirmation of the accounts charge-off status 2. Cessation of offset activity unless proper credit reporting or notice is provided 3. Removal of the account from internal collections if it is not being externally reported 4. Full reimbursement of funds that have been withdrawn from my linked Truist Accounts under right of offset for the alleged debt I am attempting to resolve this responsibly and need documentation or an official resolution from Truist.

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 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A.
State: CA

Complaint narrative:
This is the worse bank I've ever dealt with. They take no responsibility for their actions, and have no problem hanging their customers out to dry. 2 months ago I tried closing an account that had fraudulent activity. Over the last 2 months they've given me every excuse in the book about why they can't close the account. Now this account is {$800.00} overdrawn. My other account with them has my direct deposit. I got paid today and went to withdrawal {$1000.00} so I could open an account elsewhere. The ATM did not dispense the money, yet it took the money out of my account. PNC says they'll dispute the transaction, but because it's pending there's nothing else they can do. So because their machine didn't work I'm down to {$5.00} to my name for God knows how long. They don't care, it's not their problem. The customer service and overall experience is disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CO

Complaint narrative:
Subject : Request for Immediate Deletion of Inaccurate and Non-Compliant Accounts Re : Credit Report No. XXXX, Dated XX/XX/year> To Whom It May Concern, This letter serves as a formal demand, under the Fair Credit Reporting Act ( FCRA ) and related federal laws, for the immediate deletion of all inaccurate and unverifiable negative information from my credit file. Specifically, I am disputing the following accounts shown in my Experian report dated XX/XX/year> : XXXX & XXXX ( Collection Account Progressive ) XXXX XXXX XXXX  XXXX Account in dispute no status/invalid ) Any and all negative information reporting that fails XXXX XXXX compliance or XXXX verification Legal Basis for Deletion : XXXX. 15 U.S.C. 1681c-2 ( FCRA Identity Theft/Blocking of Information ) : You are required to block and remove any information resulting from identity theft or that can not be fully verified with original signed documentation. I am the victim of prior identity misuse, and this information remains unverifiable. 
XXXX. 15 U.S.C. 1692g ( FDCPA Debt Validation ) : No proper validation or chain of custody for these alleged debts has been provided by the furnishers. Without proper validation, these accounts must be deleted from my report. 
XXXX. FCRA 605 ( c ) ( 1 ) : Accounts that do not accurately reflect the date of first delinquency, that are re-aged, or that misreport status can not be legally reported. 
XXXX. 15 U.S.C. 68016802 ( GLBA Privacy and Safeguards ) : The unauthorized sharing and reporting of my personal data without proper consent violates XXXX. You must ensure all such items are removed. 
XXXX. 15 U.S.C. 1666B : Improper billing and posting practices by furnishers result in inaccurate reporting that you are required to correct or delete. 
XXXX. XXXX XXXX Compliance : All data furnished to credit reporting agencies must meet XXXX XXXX standards. The above accounts are reporting in a manner that does not comply with these requirements ( including incorrect balance histories, status updates, and dispute coding ). 
Required Action : Under these statutes, I demand : XXXX deletion of the accounts listed above and any other unverifiable negative items from my credit file. 
Written confirmation within 30 days that these deletions have been processed. 
Documentation of the investigation you perform, including the name of the person verifying each account, per FCRA 611 ( a ) ( 7 ). 
Failure to comply will leave me no choice but to escalate this matter with the CFPB, FTC, and my state Attorney General. 
Attached : Copy of my government-issued ID, proof of address, and a copy of the disputed credit report highlighting the accounts in question. 
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 2025-07-25 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: CO

Complaint narrative:
Subject : Request for Immediate Deletion of Inaccurate and Non-Compliant Accounts Re : Credit Report No. XXXX, Dated XX/XX/year> To Whom It May Concern, This letter serves as a formal demand, under the Fair Credit Reporting Act ( FCRA ) and related federal laws, for the immediate deletion of all inaccurate and unverifiable negative information from my credit file. Specifically, I am disputing the following accounts shown in my Experian report dated XX/XX/year> : XXXX & XXXX ( Collection Account Progressive ) XXXX XXXX XXXX  XXXX Account in dispute no status/invalid ) Any and all negative information reporting that fails XXXX XXXX compliance or XXXX verification Legal Basis for Deletion : XXXX. 15 U.S.C. 1681c-2 ( FCRA Identity Theft/Blocking of Information ) : You are required to block and remove any information resulting from identity theft or that can not be fully verified with original signed documentation. I am the victim of prior identity misuse, and this information remains unverifiable. 
XXXX. 15 U.S.C. 1692g ( FDCPA Debt Validation ) : No proper validation or chain of custody for these alleged debts has been provided by the furnishers. Without proper validation, these accounts must be deleted from my report. 
XXXX. FCRA 605 ( c ) ( 1 ) : Accounts that do not accurately reflect the date of first delinquency, that are re-aged, or that misreport status can not be legally reported. 
XXXX. 15 U.S.C. 68016802 ( GLBA Privacy and Safeguards ) : The unauthorized sharing and reporting of my personal data without proper consent violates XXXX. You must ensure all such items are removed. 
XXXX. 15 U.S.C. 1666B : Improper billing and posting practices by furnishers result in inaccurate reporting that you are required to correct or delete. 
XXXX. XXXX XXXX Compliance : All data furnished to credit reporting agencies must meet XXXX XXXX standards. The above accounts are reporting in a manner that does not comply with these requirements ( including incorrect balance histories, status updates, and dispute coding ). 
Required Action : Under these statutes, I demand : XXXX deletion of the accounts listed above and any other unverifiable negative items from my credit file. 
Written confirmation within 30 days that these deletions have been processed. 
Documentation of the investigation you perform, including the name of the person verifying each account, per FCRA 611 ( a ) ( 7 ). 
Failure to comply will leave me no choice but to escalate this matter with the CFPB, FTC, and my state Attorney General. 
Attached : Copy of my government-issued ID, proof of address, and a copy of the disputed credit report highlighting the accounts in question. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-07-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: AZ

Complaint narrative:
There was a deficit in the escrow balance and I sent them money to cover for the shortage. No confirmation from them that they received it. And I requested the new updated version of the escrow balance to be sent to me me via email or mail. I have not received either one of these things yet to date. This makes the third day I have not received anything from them. No confirmation and no escrow balance update. Plus isn't it a law that the escrow balance should be sent to the client once a year and that the escrow balance should show the last two years on the statement. And if that is so shouldn't the statement read as consecutive years not showing three years ago and current rate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am writing to formally dispute multiple unauthorized inquiries that have appeared on my credit report. These inquiries, made without my consent, have caused direct and measurable harm to both my credit standing and credit score.

I previously contacted your agency and was assured these entries would be removed ; however, they remain on my report. This continued inaction is unacceptable. 

The ongoing presence of these potentially fraudulent inquiries raises serious concerns about identity theft and is causing me significant emotional and financial distress.

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 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing in response to ALDOUS received regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. 
* Do not contact me at my place of employment. 
* Do not contact any third parties about this debt. 
If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. 
Please respond to this request in writing. I recommend all future communication be done via mail only. 
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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry on my credit report. According to my records and review of my credit report, I noticed a hard inquiry that I did not authorize. This inquiry appears to be in violation of the Fair Credit Reporting Act ( FCRA ) and is covered under 15 U.S. Code 1602p.

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 2025-07-25 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: WA

Complaint narrative:
I am writing to dispute the presence of unauthorized hard inquiries on my credit report. I did not initiate or approve any credit applications that would justify such inquiries.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a XXXX XXXX XXXX XXXX, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or missing disclosures — 
Company: SLM CORPORATION
State: NY

Complaint narrative:
I WILL NOT BE SUBMITTING PROOF DUE TO PERSONAL INFORMATION BEING ATTACHED TO THE DOCUMENTS. I DO NOT WISH FOR THE COMPANY TO HAVE SUCH INFORMATION IF THEY DO NOT ALREADY HAVE IT ( which they should ). Unfair abusive and deceptive in violation with consumer financial protection Act : As of XX/XX/XXXX ; Sallie Mae revoked my access to financial products and services, limiting my access to my personal online account which held my previous payments as well as future payments. Sallie Mae refused to resolve their website issue in XX/XX/XXXX, causing me to not be able to review or access any disclosure, promissory note, or contractual agreement. The interest rate also fluctuated daily making it nearly impossible to repay the loan. 

on XX/XX/XXXX ; I signed a two year payment agreement which allowed me to pay {$150.00} each month for two years consecutively. However, in XX/XX/XXXX, the company closed and sold my loan to XXXX XXXX XXXX stating that I was three months behind when I was not. 

Sallie Mae illegally over-charged me for my loan. After calculating the total amount paid to the company, I paid over {$10000.00}. However, despite making payments from XXXX XX/XX/XXXX of over $ 300 monthly, the loan had only gone down by {$100.00} within those four years. 

Sallie Mae used to be XXXX as well as XXXX XXXX, but they changed their name after being sued for repeated offenses with a long history of regulatory violations including misleading borrowers about income driven repayment plans, botching payment process, Unfair debt collection practices, etc. When I threatened to sue Sallie Mae XX/XX/XXXX, Sallie Mae closed and sold my account without prior notice to XXXX XXXX XXXX. 

Since Sallie Mae sold my account, I received numerous harassing calls and messages from XXXX XXXX XXXX. Additionally, my personal identifying information has been compromised due to the company 's negligence only to be notified three months later. I received a letter on XX/XX/XXXX stating that on XX/XX/XXXX, that a data security incident took place and that my name, social security number, and more had been compromised which would not have taken place had Sallie Mae not sold my account to avoid accountability for their negligence as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VYSTAR CREDIT UNION
State: GA

Complaint narrative:
VYSTAR CREDIT UNION is falsely reporting on my credit. I have never had any accounts with them. Per my research VYSTAR CREDIT UNION is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-07-25 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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