vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: MD

Complaint narrative:
I am filing this complaint for multiple unauthorized hard inquiries that appeared on my credit report without my consent or permissible purpose as required by the Fair Credit Reporting Act ( FCRA 604 ( a ) ( 3 ) ). These items have damaged my credit score and violated my consumer rights. I request immediate investigation and permanent removal. 

ADDRESS : XXXX XXXX XXXX, MD XXXX This address is not mine and must be deleted immediately. Reporting unverifiable address information violates FCRA 607 ( b ) and 611 ( a ). If you can not provide proof directly tied to me, remove it. 

ACCOUNT : XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$360.00} Late Payment This account shows false late payment data. No verification or documentation has been provided. Reporting unverified data violates FCRA 611 ( a ) ( 5 ) and 623 ( b ). Remove immediately if proof of accuracy can not be produced. 

INQUIRY : XXXX XX/XX/XXXX This inquiry was unauthorized. I never consented to it. Reporting or accessing my report without permissible purpose violates FCRA 604 ( a ) ( 2 ) and 604 ( f ). Delete this inquiry immediately. 

These items were done without my consent and violate multiple FCRA provisions. I request that CFPB investigate these companies and ensure full removal from my credit report.

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 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX XXXX XXXX, as XXXX XXXX XXXX XXXX under attached assignment/authorization agreement. I am filing this complaint against Transunion for failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding my dispute submitted on XX/XX/year>, about the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The furnisher has already confirmed that it lacks the documentation necessary to verify the account and agreed to remove it. Despite this, Transunion continues to report the account and has failed to provide the written reinvestigation results within the required 30-day period under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 6 ) ( A ). This constitutes noncompliance with federal law and has caused ongoing harm to my consumer credit profile.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I reported to Barclays Bank that I was a victim of vulnerable persons and financial abuse due to my XXXX and XXXX XXXX and Barclays denied that I was a victim of fraud and is currently pursuing a lawsuit against me

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 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXXXXXX XXXX XXXX I sent by XXXX XXXX on my account to pay {$560.00}. for my auto reg, The DMV sent me a notice late XXXX stating non payment. I went to the bank to get a print out verifying payment. Called the DMV to verify still no payment. Today XXXXXXXX XXXX XXXX I called the bank to see if they had traced the funds. They said they could not find where the money went so I must have made a mistake, and i am responsible. They would do nothing more. It is up to me to repay the amount to DMV. They were not very nice with it either. 
I pay all of my bills on XXXX XXXX. I went back and checked if they had changed their address and they had not. I went to the DMV last week and took my statement they said the funds were not there. I am XXXX XXXX XXXX and can not afford to pay this {$560.00} again and the late fees on top of that. I do not know where to go after this. Please help!

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 2025-11-13 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: RI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health XXXXXXXX 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 explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXXDOFED XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
I see that inaccurate late payments are still appearing on my credit reports today, and I am unsure why. The inaccurate late payments did not disappear when I refreshed my browsers. I am requesting that all the documents I submitted be reviewed carefully so I never have to worry about this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Issue : Repeated unreasonable check holds/ unfair treatment / possible discrimination Complaint : On XX/XX/year>, I deposited a legitimate {$24000.00} check into my Bank of America checking account. Immediately after the deposit, the bank placed a full hold until XX/XX/year>, stating only that they have information indicating the check ( s ) may be returned. 

They did not provide any specific reason code or explanation for why the check was flagged, even when I asked. The notice is vague and does not explain the risk or justify the length of the hold. 

This is not the first time this has happened. Every time I deposit a check, Bank of America puts a hold on my funds, even when the checks are legitimate and from reputable sources. I have never bounced a check or given the bank any reason to treat my deposits like they are suspicious or likely to be returned. 

It feels as if the bank treats me like a risk or like I have a history of bouncing checks, which is completely false. Others depositing similar checks do not seem to receive these repeated long holds. I believe I am being treated unfairly, and possibly discriminatorily, compared to other customers. 

This repeated behavior causes financial harm because I can not access money that is legally mine. The bank is reducing my available balance for days at a time without any valid justification and without transparency. 

I

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I opened a savings/checking account combo in XXXX since they advertised a {$900.00} bonus. They accepted my initial deposit of {$2400.00} for the savings account via XXXX from my primary checking account, XXXX XXXX. They then refused to accept any more, accusing me, inexplicably, of " committing fraud ''. They also accepted {$870.00} for the checking account via direct deposit. As they refused to accept future deposits to meet the " bonus '' requirement and avoid monthly fees I closed both accounts. 

They said they would refund both via paper check, which was never received. After MANY hours calling them multiple times they initially said they would cancel the original check/s ( if they were ever sent ) and re-issue. Now, they insist I come to a branch to fill out some form. They issued the check/s ( if they did ) so they can determine that they were not cashed, cancel and re-issue then. The accounts were opened opened online, the funds were deposited electronically, there is zero reason I need to risk my health getting to a branch to get my money back. They can put the money back ELECTRONICALLY to exactly where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: Chime Financial Inc
State: AZ

Complaint narrative:
I filed a dispute for unauthorized transactions on my Chime account. On multiple calls, I was mishandled by supervisors, hung up on, and no one could provide proof of escalation. My requests for hardship escalation were ignored, and I have not received provisional credit. This has caused financial and emotional distress. Chimes handling violates Regulation E ( 12 CFR 1005.11 ). I am requesting immediate provisional credit, confirmation that my dispute is escalated to a Reg E compliance manager, and written documentation of their handling. 
Amount of money missing XX/XX/year>. {$120.00} was fraudulently taken out of my acount XX/XX/year>. {$50.00} and {$45.00}. Were both taken out of my account FRAUDULENTLY I email their support team I have not gotten any response. I told them that i was shaking and i told them i was going thru a really bad mental break down do to the financial hardship and they mishandled me so bad that it even caused even more stress on top of the financial hardship. 

I even stated in the email I sent due to me being mistreated so bad, not just by the first supervisor, but by two other supervisors as well. I had to mention that this is really bothering me and my mental. I told the support team through email as well as the supervisor that theyre causing me to have thoughts of a messing up my sobriety due to the lack of care and professionalism, and mainly due to the financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AL

Complaint narrative:
I have tried with the help of the FTC report # XXXX previously detailing fraud and fraudulent reporting of information known to all of the credit reporting agencies to be wrong or incorrect or outright fraud. I asked them to investigate which no actual investigation was done so now I am demanding deletion of all of the accounts listed to include incorrect address and an inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
I have tried with the help of the FTC report # XXXX previously detailing fraud and fraudulent reporting of information known to all of the credit reporting agencies to be wrong or incorrect or outright fraud. I asked them to investigate which no actual investigation was done so now I am demanding deletion of all of the accounts listed to include incorrect address and an inquiry.

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 2025-11-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX * * * * * * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : 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 2025-11-13 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: LA

Complaint narrative:
I recently reviewed my credit report and identified several collection accounts and inquiries that appear to be inaccurate or may not belong to me. I am formally requesting a reinvestigation of these items and the removal of any account or inquiry that can not be verified as accurate or authorized. 
The accounts and inquiries in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute the accuracy, completeness, and legitimacy of these collection accounts and inquiries. The FCRA requires that consumer reporting agencies conduct a reasonable reinvestigation of any disputed info

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 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
UNKNOWN ACCOUNT, reported XX/XX/year>, for LVNV FUNDING LLC FOR XXXX XXXX XXXX XXXX for {$760.00}. Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into this matter. 
Because this account resulted from identity theft, I am demanding its prompt removal from my credit file. Please also block any future reporting related to this fraudulent account as required under FCRA Section 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Submitted online at consumerfinance.govXXXX  Subject : Failure of Credit Bureaus and Debt Collectors to Respond to Dispute & Validation Requests Request for Investigation and Goodwill Deletions To Whom It May Concern : I am filing this complaint because multiple credit reporting agencies, creditors, and debt collectors have failed to properly investigate, validate, or respond to my mailed dispute and validation letters, in violation of the FCRA 611 and FDCPA 1692g. 
I sent formal dispute letters to XXXX, and debt validation letters to XXXX XXXX and XXXX, along with goodwill adjustment requests to Capital One and XXXX XXXX XXXXXXXX . To date, none of these companies have provided a proper response, verification, or documentation. 
1. TransUnion Failed to verify or correct : Capital One 90day late ( XX/XX/year> ) inaccurate XXXX 60day late inaccurate ; account paid/closed XXXXXXXX XXXX XXXX collection unverified XXXX XXXX XXXX collection unverified 2 . XXXX XXXX Did not provide required validation under FDCPA. 
3. XXXX Did not provide required validation under FDCPA. 
4. Capital One No response to goodwill removal request for late payment. 
5. XXXX XXXX XXXX No response to goodwill removal request for late mark. 
I am requesting that the CFPB require these companies to : Provide full validation and documentation for all disputed accounts Delete any item that can not be verified Correct inaccurate reporting Review goodwill requests Provide written responses to all letters

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
I am extremely upset to see that the inaccurate accounts are still appearing on my credit report even though they should have been removed by now. I urgently ask that the documents I provided be reviewed carefully so I can finally have peace of mind and stop stressing over this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In early XX/XX/year>, the consumer requested a full loan payoff statement from their mortgage servicer in order to close escrow on the sale of their property. The servicer provided an initial payoff amount, but the escrow company later identified that the servicer failed to include a third loan related to a forbearance agreement. Because this balance was omitted, the payoff figure was incomplete and prevented the escrow from proceeding. 

Beginning in late XX/XX/year>, the consumer and the escrow company repeatedly contacted the servicerby phone and emailrequesting an updated payoff statement that included all outstanding loans, including the forbearance balance. The servicer acknowledged the requests but did not provide the corrected payoff amount. 

The scheduled close of escrow was XX/XX/year>, but that date has now passed due to the servicers failure to issue an accurate and complete payoff statement. This delay is causing financial and contractual issues for all parties involved, as escrow can not move forward without the corrected payoff. 

The complaint is being submitted by another involved party in the same escrow, who is attempting to proactively help resolve the issue, since no other party in the transaction has taken steps to escalate this matter. The consumer is requesting assistance in obtaining a timely, accurate payoff statement that reflects all outstanding loan balances so the transaction can be completed.

Company response to consumer: Closed with explanation