vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
We are a XXXX XXXX in XXXX, Florida that had used a verified online company that provides temporary and permanent placement for dental professionals ( ie. doctors, hygienists, dental assistants and front office personnel ). We commisioned a girl for a temporary dental assistant needed in our office. She completed the work day and was paid by check. Apparently the girl committed fraud using the check to open other variousc accounts and pay bills in excess of {$70000.00}. A police investigation is currently underway with a police report number. Initially TRUIST reversed approximately {$10000.00} and then the reversals stopped. My local TRUIST branch representative opened a new fraud claim ( additional to the initial ) for the fraudulent charges and associated vendors. As a specific example : one vendorXXXX XXXX XXXXs ( where the suspect was reportedly living and paying rent ) a charge for XXXX XXXX was made in XXXX in the amount {$260.00} which was reversed. There is an additional {$37000.00} in fradulent charges, just from XXXX XXXX, that need to be reversed back to my account. ( This is excluding the other approximately {$30000.00} from other various fraudlent charges made. ) I have reached out the TRUIST more that five times to get updates only to be told " they're still investigating ''. My question to them was " If one charge from XXXX XXXX for {$260.00} was reversed, establishing through their investigation, that it was indeed a fraudulent charge, then why has the additional {$37000.00} been reversed back to my account. I believe TRUIST is stalling to return my funds and would like a swift resolution to this unfortunate situation. TRUIST is currently working with local law enforcement on this case and a case number can be provided if necessary.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX filing this complaint regarding $ 12 monthly service fees charged to my Chase XXXX XXXX  account in XXXX, XXXX, and XX/XX/year>. In over XXXX years as a Chase customer, I have almost never previously been charged this fee. 
I was unaware the minimum daily balance requirement had changed from {$500.00} to {$1500.00}, and I received no clear notice of this change. When I called to dispute the fee and ask for assistance, I spoke with a supervisor named XXXX ( XXXX XXXX # XXXX ). 
I explained I was going through financial hardship and asked for the XXXX department, but XXXX said it had been dissolved. I asked him to reconsider before I ended my long relationship with Chase. He did not acknowledge my history as a customer and treated me as disposable. 
I pleaded for him not to end the call, yet he hung up on me without my permission or resolution. 
I am requesting a refund of the service fees and a formal explanation of how the policy change was communicated. I also want Chase to address how this call was handled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: LEXISNEXIS
State: CT

Complaint narrative:
LexisNexis agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer report or i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXX and XXXX toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC
State: CT

Complaint narrative:
My XXXX XXXX is apparently revoked, account ends in XXXX. It is not apparent if account closed. I am unable to use card as revoked, not clear if closed. Ive attempted to clarify account status, if closed or not, unable to do so. If in fact closed, I will discard card. In case account remains revoked indefinitely, I request account closed as I am unable to use card and no reason to have it open.

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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
Full Complaint Text ( Copy This ) : I transferred XXXX USDC.e ( bridged USDC on XXXX ) to my Robinhood wallet address. The funds were successfully received and confirmed on-chain ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, but Robinhood refuses to recover or return them.

Robinhood previously listed USDC.e as a token eligible for recovery, without disclosing that only the XXXX network was supported. There was no warning or network restriction shown when generating the wallet address, and the wallet itself ( XXXX ) is active and continues to process XXXXbased transactions. 

Robinhood admits to holding the funds but has denied my recovery request based purely on internal policy. XXXX ( USDC issuer ) confirmed they are not involved and that Robinhood has full custody. 

This is a serious failure to disclose risk and a violation of reasonable consumer expectations, as funds were received in an operational wallet with no technical limitation preventing recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm 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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: SC

Complaint narrative:
I deposited via ACH my monthly income into a XXXX checking account. I use an account there for bill pay and have done so for several years. The deposit was made on the XXXX and has not cleared in the normal ACH timeline. I had another deposit made on the XXXX and it did not clear until today the XXXX. I have almost XXXX in funds at XXXX primarily in retirement accounts. I received late fees and penalties. I called XXXX ahead of those penalties to try to get them to clear the deposits and they refused. I was told to send a complaint email with the penalties and got a generic response. I called them back about this and am dismissed and told to wait. I've lost my faith in this organization as a fiduciary

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I applied for a HELOC directly with Mr.Cooper, my current mortgage lender, and I was denied for it. After allowing them to run my credit, check my score, and move forward with the process, I was told that my XXXX XXXX was below their minimum threshold. Although they knew this from the beginning, they still ran my credit instead of letting me know I would not be approved due to my score. Additionally, they sold my information to third party creditors, and I have been receiving calls every day about my " loan approvals ''. These calls come from multiple phone numbers, primarily from New York state. I called Mr. Cooper and asked them to opt me out of any and all communication as well as third party sites. I opt out of all such third-party communications anywhere I do business ; therefore, I am positive I opted out from Mr. Cooper 's XXXX affiliates as well. When I spoke with a representative of Mr. Cooper, they apologized for the calls and assured me they would remove me from all lists. That was months ago, and I am still receiving calls. I mark them as junk calls, block them, and purchased an additional spam blocker from XXXX. The calls have continued, and they disturb me multiple times per day, every day. Attached are only a few of the voicemails left as not all calls leave a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was approved for a Chase Sapphire Preferred card with a {$500000.00} limit at the sane time I applied for a XXXX  XXXX and XXXX  XXXX {$300.00} limit each. The reason why I applied for 3 credit cards is because during the pandemic my identity was stolen and my credit took a hit, I started rebuilding it over the years and then applied and my 3 cards were approved.. I received the cards in XXXX XXXX begin using them and paying the monthly amounts on or before their due date. Then in XX/XX/year>, I had to go to the XXXX  pharmacy and pick up my medical inhaler, as I proceeded to leave I got an alert from Chase, I instantly thought that my checking account was compromised, then I noticed that right underneath the checking account information, my Chase Sapphire card said CLOSED! Their reason was " Due to multiple card 's opened along with the Chase Sapphire, they claim that I was abusing my cards '' but yet I paid each of them on or before their due date. They were also looking at my credit information monthly, but yet they knew that I was approved for the XXXX XXXX and XXXX XXXX. I truly believe that Chase closed my account in order to get money, because if they had denied my application, they wouldn't be getting {$2.00} now, because my account would never had existed. I even opened a checking account with them just to pay my Sapphire card. What they did was wrong, especially since I was paying my bill on time. I will never deal with Chase again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 non-monetary relief
Consumer complaint received 2025-05-21 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:
This late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I contacted XXXX XXXX back in XXXX over an unauthorized charge I noticed on my account! XXXX XXXX claimed they would do an investigation and would fix the issue! 3 weeks later I receive an email saying I benefited from the purchase and would be re-billed for the purchase of {$360.00}. I called again and they said they would open another investigation! NOT EVEN 2 DAYS LATER I received the same letter saying I benefited! THEY DID NOT PERFORM ANY INVESTIGATION!!! Before I can call I notice ANOTHER fraudulent charge on my card this time of {$530.00} dollars, ON THE SAME ITEM I WAS FRAUDULENTLY CHARGED ON THE FIRST TIME ( XXXX XXXX  XXXX ) So now its the beginning of XXXX and I make a THIRD call to speak with the supervisor and Im told the reason I benefited from the purchase was because the purchase was made online by someone using my OLDER SISTERS NAME, and that the new fraud charge would be disputed! So I have my older sister speak with the supervisor and they requested that she shows any proof that she has to show she didnt make the purchase! KEEP IN MIND THE PURCHASE DOESNT SHOW UP ON EITHER ONE OF OUR ACCOUNTS!!! After providing all they asked for AND more the supervisor assures me that it is enough proof to dispute the charge and that she would open a new investigation! 4 DAYS LATER XXXX XXXX  ONCE AGAIN SENDS THE SAME LETTER!!! ONCE AGAIN A 60 day investigation took a couple days even with all the new proof that was provided!! LEADING ME TO BELIEVE XXXX XXXX IS LYING AND NOT CONDUCTING ANY INVESTIGATION AND NOT TRYING TO WORK WITH ME AT ALL!!! SO now im calling once again to try and resolve this issue cause now Ive been making minimum card payments on this false charge just so my credit score isnt affected but instead XXXX XXXX decided they would lower my credit limit by {$2500.00}???? Im fed up with this, no company has ever treated me this way!

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 2025-05-21 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief