vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FinCo Services Inc DBA Current
State: VA

Complaint narrative:
XX/XX/XXXX I was charged by XXXX for services that I had already paid for so to speak. I received a flyer in the mail back in XXXX giving me credit to post jobs on XXXX  which I did use but because I didn't need the service and was able to find a candidate elsewhere. I canceled the service and they properly applied the credit to my account. They sent me an invoice showing I had a {$0.00} balance. Then about a month later I got an email saying that I owed a balance to which I disputed with the company and I showed them the flyer that they had sent me or I forwarded it to them and they said they will look into it but they never got back to me and every time I reached back out they said they were still working on it and I still had a {$0.00} balance. I was then charged {$110.00} which I did not agree to. I disputed it with my bank. I gave them the receipt showing that the amount had already been handled and the bank bank sided with the company and gave them my money. Anyway. I reached back out to the company to which they are still looking into it but they're not showing that I was ever charged

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I put in a mobile deposit, it was returned because it was hand written. I took the check to the bank, cashed it just fine, got some cash and deposited the rest in cash to my account. Two days later the mobile deposit on the check that was already cashed, there was a gold pit on it. This put my account in red and I had no access to my money. Two days before XXXX. Then when I talk to someone. They told me I was just going to have to wait for the hold to go away. No access to my money. This is thief. That check was already cashed. No hold should be on it.

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 2025-12-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2024, I traveled from XXXX, FL to XXXX, IL for my XXXXXXXX XXXX XXXX XXXX At the airport, I attempted to add my XXXX XXXX XXXX XXXX to XXXX XXXX  for public transportation payment. A fraud alert had locked my account. 

I called customer service immediately. Despite being the legitimate cardholder, I was told : ( XXXX ) no phone authentication available, ( XXXX ) no email or SMS verification available, ( XXXX ) only option was letter mailed to my Florida home, XXXX miles away, ( XXXX ) no temporary unlock possible. I explained I was traveling and needed immediate access. Representative offered nothing. 

I demanded supervisor escalation - same response. I demanded VP-level escalation- was allegedly connected to XXXX, then this person hung up on me without any help during the emergency. 

XX/XX/XXXX : Visited Citibank branch on XXXX XXXXXXXX XXXX XXXX XXXX XXXXth ID and credit card. Branch staff stated they can not help with credit card fraud alerts- must call customer service. 

XX/XX/XXXX : Called again, spoke with representative XXXX who acknowledged " this should not have happened '' and confirmed prior representatives failed to follow documented procedures. He stated fraud department provided information contradicting his training. XXXX me to website for promised letter - no letter posted. 

XX/XX/XXXX ( today ) : XXXX still locked after 7 days. No letter in online account. No resolution. Can not use my credit card. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I recognize multiple critical failures : organizational silos preventing cross-functional help, authentication infrastructure decades behind industry standards, no backup verification protocols, and branch network unable to assist customers with credit card emergencies.

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 2025-12-23 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Insikt, Inc.
State: IN

Complaint narrative:
I received a written solicitation from XXXX XXXX stating that I was pre-approved for a personal loan of up to {$39000.00}. After responding and participating in a recorded call with a XXXX XXXX representative, I was informed that I was in fact not approved for any meaningful loan nor was I ever pre-approved for any loan - Instead, I was pressured to enroll in that debt resolution program. 
During the call, the representative made multiple false statements, including that participation would not negatively impact my credit, that creditors would not report late payments, that accounts would be reported as paid as agreed, and that the program was federally regulated and affiliated with credit bureaus. This call was recorded and is preserved for review. 
The statements made by the representative were materially false. Debt resolution programs inherently involve missed payments, settlement negotiations, and adverse credit reporting. Further, documents provided by the representative outlining the terms of the debt resolution program conflicted with the terms the representative orally made during the call. The pre-approval representation appears to have been used solely to induce engagement in order to sell a completely different product. 
I believe this constitutes deceptive loan marketing and misrepresentation in violation of federal consumer financial protection laws.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-23 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: IN

Complaint narrative:
Company : InComm / Vanilla Visa Product : Prepaid Gift Card ( Vanilla Visa ) I am filing a complaint regarding an unauthorized fraudulent transaction on a Vanilla Visa prepaid gift card.

The card was purchased legally and stored unused in a secure location ( a home safe ). It was not lost, shared, or used by me or anyone in my household. When I later checked the balance, I discovered an unauthorized charge of {$490.00} that occurred approximately 18 months prior, without my knowledge or consent. 

This fraudulent transaction was discovered only when I checked the balance, as prepaid gift cards do not provide statements or alerts. 

Once the unauthorized charge was discovered, I immediately : Contacted Vanilla Visa customer service Filed a fraud dispute Provided all requested information Vanilla Visa denied the dispute solely due to the transaction being outside the card networks dispute timeframe, not because the charge was determined to be legitimate. 

This was a case of unauthorized fraud, not a delayed reporting issue caused by negligence. The card was unused and secured, and there was no reasonable way to detect the theft earlier. 

The denial appears to be based entirely on internal time limits rather than an evaluation of : Whether the transaction was authorized Whether the merchant was associated with known fraud Whether goodwill or discretionary reimbursement was possible Given the lack of consumer protections for prepaid cards and the absence of balance alerts or statements, this creates an unfair outcome for consumers acting in good faith. 

I am requesting : A secondary review or escalation of this fraud case Consideration of a goodwill reimbursement Transparency regarding the merchant that processed the fraudulent transaction I am not disputing that time limits exist, but I am requesting a fair review based on the facts of unauthorized use and the reasonable inability to detect the fraud earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-12-23 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 respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
Dear Sir/Madam, I am filing a dispute regarding multiple accounts on my credit report. Please review the following information and take necessary actions to resolve the discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$830.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXXXXXX 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} STATE EMPLOYEES XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: VI

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-23 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: VI

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I made two payments per month on my mortgage to PennyMac for the months of XXXX, XXXX, XXXX, XXXX, XXXX and XXXXXXXX XXXX XXXX in the exact amount of the XXXX. Rather than paying down the principal, they accepted these payments as prepayments to my mortgage. I reached out to PennyMac XX/XX/year> to indicate that I intended the funds to be applied to my principal. They told me that the issue would be resolved, funds applied to principal and the interest would be recalculated as of the payment receipt dates. I called again XX/XX/XXXX and have continued to regularly follow up without resolution. As of today, XX/XX/year> this issue is still not resolved. 

PennyMac has sent me messages through the message center including this one From : XXXX XXXX XXXX XXXX When : XX/XX/year>XXXX XXXX XXXX XXXX  I am truly sorry, but we are not a robots. I am pleased that during your conversation with Customer Service Department they were able to answer the questions you raised in your XXXX  Message. They have requested to reverse the misapplied funds and apply the funds to your principal balance. This was submitted on XX/XX/year>, please allow up to XXXX business days for our Payment Processing Department to complete this. Once completed you can view the update on your loan activity. Thank you, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief