vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 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: TN

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting and unauthorized access to my consumer credit file. 
While I opened certain original credit accounts, my personal identifying information was later misused, mishandled, and accessed beyond the scope of my authorization during collection, assignment, and credit reporting activities. As a result, multiple third parties accessed my credit reports and placed hard credit inquiries without a permissible purpose, and several collection tradelines are being reported inaccurately and inconsistently. 
I did not authorize new credit applications, unauthorized hard inquiries, duplicate reporting, re-aging of debt, or the reporting of inconsistent balances, dates, or account statuses. Some inquiries appear to have resulted from pre-qualification requests that should have been processed as soft inquiries only, yet were reported as hard inquiries without clear authorization. 
These actions violate the Fair Credit Reporting Act, including but not limited to : FCRA 604 ( 15 U.S.C. 1681b ) Consumer reports accessed without a valid permissible purpose or beyond the scope of any authorization FCRA 607 ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy FCRA 611 ( 15 U.S.C. 1681i ) Failure to properly reinvestigate disputed information FCRA 623 Furnisher duty to report complete, accurate, and non-misleading information Despite disputes, these inaccuracies and unauthorized inquiries continue to be reported, causing ongoing credit damage and financial harm.

This is my Police report number : XXXX in regard to my investigation. I also had to change my phone number numerous times due to the amount of spam calls and emails I would get a day because my personal information was misused.

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 2026-01-13 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: TN

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting and unauthorized access to my consumer credit file. 
While I opened certain original credit accounts, my personal identifying information was later misused, mishandled, and accessed beyond the scope of my authorization during collection, assignment, and credit reporting activities. As a result, multiple third parties accessed my credit reports and placed hard credit inquiries without a permissible purpose, and several collection tradelines are being reported inaccurately and inconsistently. 
I did not authorize new credit applications, unauthorized hard inquiries, duplicate reporting, re-aging of debt, or the reporting of inconsistent balances, dates, or account statuses. Some inquiries appear to have resulted from pre-qualification requests that should have been processed as soft inquiries only, yet were reported as hard inquiries without clear authorization. 
These actions violate the Fair Credit Reporting Act, including but not limited to : FCRA 604 ( 15 U.S.C. 1681b ) Consumer reports accessed without a valid permissible purpose or beyond the scope of any authorization FCRA 607 ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy FCRA 611 ( 15 U.S.C. 1681i ) Failure to properly reinvestigate disputed information FCRA 623 Furnisher duty to report complete, accurate, and non-misleading information Despite disputes, these inaccuracies and unauthorized inquiries continue to be reported, causing ongoing credit damage and financial harm.

This is my Police report number : XXXX in regard to my investigation. I also had to change my phone number numerous times due to the amount of spam calls and emails I would get a day because my personal information was misused.

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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
The issue is not resolved. Agent closed my case without resolving my issue. I need access to reopening XXXX  or allowing my email or phone number to work. My phone number and email does not have access to create a cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I financed a hotel stay through Affirm for a XXXX  XXXX XXXX XXXX XXXX reservation for XXXX XXXX XXXX I departed XX/XX/year> the total amount for the 7 days that I initially reserved the stay was for- {$600.00} During the stay, services were not provided for two days of the reservation. 
I contacted the hotel directly and escalated the issue to XXXX XXXXXXXX XXXX customer service in an attempt to resolve the billing issue and obtain a refund for the two days I did not stay. 

The merchant returned my security deposit, which confirms that an issue with the stay and billing occurred, but refused to refund the remaining two days for which services were not rendered. 

I then contacted Affirm to dispute the remaining balance. Affirm advised that disputes must be handled through their merchant dispute process and that the merchant must approve or issue a refund in order for the loan balance to be adjusted. 

Despite following the dispute process and attempting to resolve this directly with both the hotel and corporate customer service, the remaining amount for the two days is still being financed. I am continuing to make payments in good faith while seeking correction of the disputed charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
In XX/XX/XXXX, a fire damaged my apartment at XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL ), making it uninhabitable. I terminated my lease under F

lorida Statute 83.51 due to the landlords habitability violations. Before this account was assigned to collect
ions, a substantial payment was made to XXXX XXXX by my guarantor. On XX/XX/XXXX, XXXX XXXX assigned a debt of {$6100.00} to IQ Data XXXX without properly crediting payments already received. 

On XX/XX/XXXX, IQ Data reported {$6100.00} to XXXX. The credit report shows Date of last payment : XXXX indicating no payments were credited despite payments having been made. 

When IQ Data called to collect, I informed them that a payment had been made to the original creditor. They refused to verify payment history, stating they didnt have to confirm with XXXX XXXX what payments were received. They demanded I provide proof rather than fulfilling their legal obligation to validate the debt. 

IQ Data is reporting an inaccurate balance and refused to properly validate when requested. This violates the FDCPAs requirements for accurate representation and proper debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I was traveling out of country from XX/XX/XXXX - XX/XX/XXXX. During that period, multiple fraud transfer payments were made using a third party site XXXX that I have used twice in the past but I did not attempt to make those transfer payments. When I got back to the state, I filed fraudulent claim with Wellsfargo as advised by XXXX when I emailed them reporting those payments. Wellsfargo denied my claim saying the transfer payments were already processed that nothing else they could do and advised me to contact XXXX directly. I contacted XXXX and they gave me the same round around response just like Wellsfargo that they cant do anything and told me to contact my bank. I have been a long term customer with Wellsfargo and Im very upset of how they handled this situation. I wouldve caught it if I was in the country but because I was out of country, I did not get the approval text about those transfer payments until I got back. Now I feel hopeless and stressed because its a large amount of money

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 2026-01-13 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: AR

Complaint narrative:
On XX/XX/year>, I purchased a product from Best Buy and on XX/XX/year> I logged in to the account to make a full payment for the product. On XX/XX/year> I realized that a transaction was made in the amount {$540.00} that was not made by me, sole authorized buyer, from a differing state. I attempted to report through the site but was rerouted to call instead. On XX/XX/year>, I called the Best Buy credit line to report the fraud purchase, call lasting approximately XXXX minutes. I was told they would report the transaction and would be notified on further updates, none were received. On XX/XX/year>, I called Best Buy credit line to inquire on the fraudulent charge, call lasting approximately XXXX minutes. I was told they would notify me of any further updates, none were received. On XX/XX/year>, I called the Best Buy credit line to inquire again on the updates of the fraudulent charge, call lasting approximately XXXX minutes. I was told that they had no record of me reporting the transaction or any prior conversation held with the Best Buy credit line. I attempted to close the account, customer service denied the request. They attempted to issue a new card, I denied. By the end of the call, the Best Buy credit line promised that I would not receive a new card and that the transaction was reported as fraudulent, and the account would be closed post resolution of fraudulent charge. On XX/XX/year>, I called the Best Buy credit line after viewing the negative points on my XXXX XXXX report, call lasting approximately XXXX minutes. Once again, I was told that there was no dispute on the transaction. Customer service claimed they reported the transaction as a fraudulent charge, no further updates were given since. Customer service was in fact able to close the account but now the fraudulent charge remains. The phone number provided by customer service to check on the status of the dispute is an automated system that does not provide information and ends the call after notifying the caller that if information is needed, Best Buy would reach out. No further updates were given. I do have screenshots of the calls length with phone numbers and dates attached.

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 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD

Complaint narrative:
XXXX XXXX XXXX appears to have purchased several of my XXXX XXXX XXXX XXXX accounts, including those from Bank of America ( on record thru XX/XX/XXXX ), XXXX XXXX ( on record thru XX/XX/XXXX ), and XXXXXXXX XXXX ( on record thru XX/XX/XXXX ). XXXX XXXX XXXX has consolidated these XXXX debts into a XXXX new debt, and also added it to my XXXX XXXX, meaning the same debt is now listed XXXX on all my XXXX XXXX - Once under XXXX XXXX XXXX, and once under each of the XXXX original credit issuers above. All XXXX  original credit issuers are still updating the collection status of the debt, each reporting as recently as XX/XX/XXXX. This amounts to the same debt being listed illegally XXXX on all my XXXX XXXX. XXXX XXXX XXXX has been made aware of this fact and refuses to remove their XXXX entries from my report. Each of the above accounts went to collection in XX/XX/XXXX due to XXXX. However, XXXX XXXX XXXX has listed themselves as an original creditor, as of XX/XX/XXXX. They state the debt will report through XX/XX/XXXX, beyond the date of the original debts above. XXXX XXXX XXXX has updated the total amount as of XX/XX/XXXX, meaning that the original creditors are reporting the debt more recently than even XXXX XXXX XXXX! Despite repeated attempts, XXXX XXXX XXXX has refused to respond to attempts to validate this debt and has refused to respond. The only response I received during a phone call was that they " could do whatever they wanted and you can't stop us ''. They are violating federal law by reporting the debt as a XXXX in addition to the original creditors who are still attempting to collect the debt. They are violating federal law by reporting it beyond the dates of the original debts. They are violating federal law by refusing to respond to requests that they validate the debts. Online searches reveal that this is their modus operandi. They are foxes in the hen house and should be treated as such.

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 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase has locked my account for over 3 years with no resolution and no access to {$32000.00} of my funds. I am requesting immediate release of funds or written justification for continued restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my Citibank credit card account and to request immediate corrective action. 

On XX/XX/XXXX, my Citibank credit card ending in XXXX was lost at a convenience store in XXXXXXXX XXXX XXXX. After realizing the card was missing, I promptly contacted Citibank to report the card as lost and to review any activity that may have occurred after that date. 

During my conversation with a Citibank representative, I was informed that a charge in the amount of {$4100.00} was made on XX/XX/XXXX, at XXXX XXXX in XXXXXXXX XXXX XXXXXXXX than a week after the card was lost and in a location I did not visit. I immediately reported this transaction as unauthorized and fraudulent and requested that the charge be disputed. I also ordered a replacement card. 

Additionally, I received a Citibank fraud alert via text message regarding this transaction and responded No, explicitly indicating that I did not authorize the charge. Despite taking all appropriate and timely steps to report the loss and fraud, the charge remains on my account several days later. 

This transaction is highly unusual and uncharacteristic of my spending history. I do not have a pattern of making purchases of this size, and this charge clearly falls outside my normal account activity. Given the circumstances, the timing, and my immediate response, I am extremely concerned and disappointed that this fraudulent charge has not yet been removed. 

I believe Citibanks handling of this matter is inconsistent with fair consumer protection practices and credit card fraud safeguards. I respectfully request that the {$4100.00} fraudulent charge from XXXX XXXX be permanently removed from my account and that I receive written confirmation of the resolution. 

If this issue is not resolved promptly and fairly, I will have no choice but to escalate the matter further and reconsider my relationship with Citibank. I am hopeful, however, that Citibank and the Consumer Financial Protection Bureau will review the facts and resolve this matter in my favor.

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 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I checked my XXXX XXXX and seen some collections from accounts I didnt open

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I went to Title Loan to receive a loan of XXXX which was placed on my debt card in XXXX mins. The rep signed me the different areas to sign which I did. As I was exiting the door she says your first XXXX notes will be XXXX, then XXXX and it will start to go down .Therefore I told her that I will be making the payments monthly. XXXX hours later I tried to return the money. I called and told the Title loan company that I decided to return the XXXX back .They told me I was past the XXXX door of that option. It may have been in the contract that I only browsed through. But, Im very sure it was not brought up in the entire transaction. I called to explain that to the corporate office and they also informed that time has expired, just use the money since it was already in my account. XXXX was my very first payment .I noticed months were passing and I was making the payments but the balance was not moving. I called to ask why has none of the XXXX that I paid for the XXXX to XXXX months not going toward any of the balance. THEN the XXXX says, no, no that doesn't go to your balance XXXX to XXXX, XXXX payments are just to renew your payment for the month .So I told him Im paying just to XXXX in my XXXX each month, any additional money you add toward the monthly payment then goes to the balance .I informed the XXXX that was not clearly explained to me. He says the rep may have told but this because it tells all the employees thats the way it goes. AND my financial situation may have not heard her. He's also said title have always been that why with the high monthly and the which that I need to pay that ballon payment of XXXX. I told him so how can this be? He said READ YOUR CONTRACT I said so none of that XXXX I paid does touch the XXXX? That means I would be paying like XXXX overall. This loan is XXXX sided, only the title co. Benefits while I am pay to ride in my XXXXXXXX XXXX which is totally like XXXX XXXX notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
In XX/XX/year>, I disputed XXXX XXXX debit transactions totaling {$1100.00} as fraud/service not received ( Dispute # XXXX ). Chime misdocumented my claim 4 times ( requiring me to force written submission ), misclassified it as an " error '' instead of fraud, failed to provide Regulation E provisional credit within 10 business days, delayed investigation 63+ days, improperly reopened/closed it ( XXXX ), and denied it with " no error found '' without reasonable review of my evidence. I've spent hours on phone calls trying to get proper handling. There is no one in disputes I can have any sort of contact with to explain their errors, or anything else too, when I requested clarification as to why my disputes were denied, the only response was a list of my uploaded documents, improperly ( by chime employees ) filled out intake forms, and a list of the charges I was disputing. I submitted emails with clear evidence of fraud and as far as I can tell, its never even been reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
The contractor, XXXX XXXX XXXX XXXX XXXX, induced my mother into two construction loans with GoodLeap by misrepresenting his role as a co-signer. We now have written proof from him using the term co-signer, while the loan documents in fact made him a co-borrower with full borrower rights and obligations. This was never disclosed or explained and materially changed ownership and liability risk. 

No construction work was performed on either property, and no permits were pulled. Despite this, the loans were funded, and UCC/title encumbrances were placed on the properties. The misrepresentation caused credit denial, title clouding, and financial harm. 

We disputed the loans with GoodLeap, provided documentation, and requested investigation and forbearance. Instead of resolving the fraud, GoodLeap continues collection activity and payment demands. Regulatory complaints are pending with the XXXX, a bond claim is filed, and a police report exists. 

Despite repeated requests, the company has not provided the complete loan origination and underwriting file, including verification records, inspection reports, and the full call recording where the contractor was described as a co-signer.

We are requesting immediate compliance review, forbearance, correction of loan status, and suspension of collection and negative credit reporting while fraud and regulatory investigations are ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
The account with this company was placed into a special forbearance as I am a Government Employee that was affected by the government shutdown in late XXXX. I was told by 2 separate loan counselors from the company that I would not need to make a payment in XXXX. The account was then reported to the credit bureaus as delinquent, resulting in a cascading decline in Credit score. When attempting to rectify via disputes and calling the company, I was told there was nothing that could be done. I pressed to have the transcript logs from a call on XX/XX/XXXX that explained I would not need to make payment for that month at no negative impact to my score, but the loan officer on the line said they could not send those. Contacting the company 's customer support for the same reason proved fruitless.

Company response to consumer: Closed with explanation