vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because TransUnion has continued reporting inaccurate, inconsistent, and unverifiable personal identifying information in my consumer file despite its obligation to maintain maximum possible accuracy and conduct a reasonable investigation when disputed. My dispute involves multiple pieces of inaccurate personal information that are either incorrect, inconsistent, or can not be verified through competent documentary evidence. Specifically, my TransUnion consumer report contains inaccurate name variations, incorrect addresses, conflicting date of birth information, and employer information that I dispute. The inaccurate names reported include : XXXX XXXX XXXX XXXX My correct legal name is XXXX XXXX. My report also contains incorrect and improperly associated addresses, including : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX 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 Additionally, my consumer report reflects conflicting date of birth information, including references to XXXX, even though my correct date of birth is XX/XX/XXXX. I also dispute the employer information reporting XXXX XXXX XXXX because I question the accuracy and source of this information. The presence of multiple inaccurate identifying records raises significant concerns regarding TransUnion 's matching procedures and the integrity of my consumer file. Incorrect personal identifying information increases the risk that information belonging to another individual could become associated with my credit file and undermines the reliability of the information being furnished to creditors and other users of consumer reports. I have requested that TransUnion investigate these inaccuracies and verify each disputed item through competent documentary evidence. If any disputed information can not be verified, it should not continue to appear in my consumer report. Instead of maintaining an accurate consumer file, TransUnion has continued reporting disputed identifying information that I believe is inaccurate, inconsistent, incomplete, or unverifiable. I am requesting CFPB assistance because I should not have to continue disputing inaccurate personal information that negatively affects the integrity and reliability of my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-29 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: U.S. BANCORP
State: IL

Complaint narrative:
I am disputing a claim denial by U.S. Bank regarding Check # 7578 for the amount of {$370.00}. U.S. Bank denied my claim citing UCC 3-406 and account number security negligence. This is a severe misapplication of the law. I did not forge or alter this instrument. I inadvertently misdirected a properly filled-out check to an incorrect business envelope.The check cleared my account via XXXX XXXX XXXX XXXX XXXX # XXXX ). Under UCC 3-406 ( b ), the depository bank failed to exercise ordinary care by accepting a deposit where the payee name did not match the account holder. Furthermore, the intended payee has already executed a signed Affidavit of Non-Receipt, which was forwarded directly to U.S. Bank 's fraud department.U.S. Bank is in physical possession of proof that the check was paid to an unauthorized party, yet they chose to issue a denial under UCC 3-406 rather than processing a standard presentment warranty claim to XXXX XXXXXXXX XXXX to recover the funds. I request that U.S. Bank honor the affidavit and credit my account. ''

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 2026-06-29 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:
This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused Monetary injury and investigation of character nearby something like 30 days of no reaction. Please Remove/ Deleted the following Items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2026-06-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, Citibank notified me that it had closed my Home Depot Consumer Credit Card account because of " two or more returned payments in the last six months. '' I have attempted to contact Citibank multiple times to understand exactly which payments they are referring to and to obtain the documentation supporting their decision. However, because my account has been closed, the automated phone system will not allow me to reach a live representative. Some of my payments were made using my XXXX XXXX account. If any payment was returned, I want to understand which payment it was, why it was considered returned, and why the account was closed rather than allowing me to resolve the issue. Citibank has not provided me with the dates, amounts, or return reasons for the payments they relied upon when making this decision. I am requesting that Citibank provide : The dates and amounts of each alleged returned payment. The reason code or explanation for each returned payment. The documentation supporting the account closure. A meaningful opportunity to discuss the matter with a representative and request a review of the decision.

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 2026-06-29 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: FL

Complaint narrative:
Gentlemen.... My name is XXXX XXXX, I live on XXXX Florida and my e-mail address is XXXX. My complaint is the following : On XX/XX/year> I bought an Hotel Reservation with a scam online company XXXX through a XXXX XXXX XXXX XXXX XXXX website for US {$1000.00} using my Citibank card. On XX/XX/year>, I formally canceled a hotel reservation in XXXX FL processed through the travel intermediary XXXX at XXXX. Under their cancellation terms, I was due a full refund. As up XX/XX/year>, the legally allowed time has passed, 7 to 10 business days, and the merchant XXXX is withholding my funds for a service that was not provided. I filed a dispute case # XXXX with my financial institution Citibank credit card, which was negligently rejected on XX/XX/year>, ignoring my federal protections under the Fair Credit Billing Act ( FCBA ) regarding charges for services not rendered. On XX/XX/XXXX, I contacted in person Customer Service Rep at Citibank XXXX Florida location and officer mentioned unable to re-open or follow up my closed case. I mentioned to him that I had a fraud complaint on XXXX and XXXX already. As up today XX/XX/year>, I demand that the Citibank credit card Dispute Dept re-open the fraud/dispute case again and process the corresponding permanent chargeback immediately. Thanks, XXXX XXXX. XX/XX/year> 2026

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 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received an account closure notice from Citibank. The bank had requested information on my transactions and then decided to close the account with 30 days notice.

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 2026-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I began this bankruptcy dispute process in XXXX of this year. I have tried to dispute bankruptcy XXXX, but TransUnion has consistently rejected my attempts. Disputes only last 24 hours. I understand that I haven't received a fair process. After reviewing FCRA 611 ( A ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( A ) ( 7 ) regarding the request for a method of verification, I sent a certified letter to TransUnion requesting that they provide me with the method of verification used for those incredibly fast results. They chose to ignore me. This correspondence was sent there on XX/XX/year>. Then I sent another letter, as required by the aforementioned law, which states that there are only 15 days to respond to the initial request. This letter was sent on XX/XX/year>. To my surprise, this second letter was also ignored. I demand that bankruptcy XXXX be removed from my credit history for not responding to the investigation method of verification used in the investigation process. Thank you in advance! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX

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 2026-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I contacted Wells Fargo today about paying off my balance. They refused to give me a payoff amount, stating they could not determine what my amount would be and that it is not their policy to give that out. I asked them, because they know my interest rate and what the balance was, why they could not calculate this, and I was told repeatedly that they could not give it. I submitted the complaint. They also tried to ask me about my finances, about whether I was having trouble paying the payments or anything, and I said no. I wanted to just pay off the amount, and they told me that they could not help 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 2026-06-29 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Under 15 USC 1681c-2 ( a ), immediate removal of any inaccurate/fraudulent accounts that are found to be opened or accessed as a result of a data breach must be blocked within four ( 4 ) business days of the dispute being filed.

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 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Currently my account was restricted pending to be closed. It started on Thursday XXXX XX/XX/2026. When My account was restricted I was told I would receive a certified check to receive the funds in my account within 3-5 business days but I called back today Monday XXXX XX/XX/2026 and I was told I would have to wait up to 60 days and they could not tell me how much I would be sent. My current balance in the account is {$3000.00} and {$2500.00} is from my disability check that was deposited today XXXX XX/XX/2026. I was told there is not way for me to get the funds sooner and I would have to wait 60 days to receive my disability funds. I need help because they are holding my funds from me. I did request a call from a manager but I do not believe they will assist me in this matter.

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 2026-06-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo confirmed an unauthorized digital account takeover that occurred on XX/XX/XXXX by reversing one fraudulent wire transfer for XXXX XXXX However they are withholding the remaining stolen funds from the exact same breech under the guise of an 'extended wire investigation ' refusing temporary credit and causing severe financial XXXX. They have grouped the remaining two wires under the same claim number but are refusing credit to my account. They are enforcing a 90 day waiting period. This is an abuse of the UCC article 4a timeliness as the fraud has already been internally verified by the bank. These funds were sent to a XXXX XXXX. Wells Fargo is using the 90 day recall window to deny me access to my funds, despite having already verified internally that the security failure was completely unauthorized. Wire # 1 reversed by bank for XXXX XXXX # XXXX XXXX # XXXX Wells Fargo refuses to credit these two unauthorized breech wires Wire # XXXX XXXX XXXX # XXXX XXXX # XXXX Wire # XXXX XXXX XXXX # XXXX XXXX # XXXX Here are the claims numbers Wells Fargo gave me # 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 2026-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by 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 non-monetary relief
Consumer complaint received 2026-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
Shellpoint continues to contact my wife, XXXX XXXX XXXX at the rental property address. I have notified them, in writing, via email, that all correspondence and contact is to occur at our home at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. Attached is my latest attempt to get them to stop sending correspondence to the wrong address. Thank you.

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 2026-06-29 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed that the account XXXX XXXX is reporting inaccurate payment information. Specifically, the report shows a XXXX late payment in XXXX of 2024 even though my payment was made on time. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to report information with complete accuracy. This account was not 30 days late in XXXX. The inaccurate late payment is currently being reported for : XX/XX/year> I have attached a copy of my credit report highlighting this inaccurate entry. I respectfully request that you conduct a thorough investigation of this account and correct the inaccurate payment history by updating this late payment to Paid as Agreed or Paid on Time immediately.

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 2026-06-29 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: IL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and, Proof of Address, and SS Card.

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 2026-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I recently received a letter from a company called I.C. Systems Inc. attempting to collect a {$950.00} debt on behalf of XXXX XXXX XXXX. This debt is not mine nor have I ever utilized any services from XXXX XXXX XXXX. This is second debt collection company that has attempted to collect this debt on the behalf of XXXX XXXX XXXX. I previously submitted a complaint to the CFPB regarding the first company which resulted in the negative item being removed from my XXXX reports. Also worth mentioning that utilities at any dwellings I resided in the last twenty-six years were billed through third party companies.

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 2026-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Shellpoint is issuing an income denial today but currently has a temporary hold on the foreclosure. My XXXX confirmed she has all our updated documents for three incomes uploaded today. I am filing this complaint to ensure Shellpoint does not lift the foreclosure hold when the denial processes. I demand the hold remain in place while underwriting reviews the new income 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 explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I'm writing to formally request that the collection account mentioned in your most recent email be validated. In accordance with my rights under 15 U.S.C. 1692g ( b ) of the Fair obligation Collection Practices Act ( FDCPA ), I ask that your office furnish comprehensive and verifiable proof attesting to the validity of this obligation. At the very least, this validation has to contain : The original creditor 's complete name and address, A thorough statement of the whole amount owing, including principle, interest, fees, and any additional charges, the original account number, a full payment history and evidence, such as a signed contract or other official papers, proving I am legally required to pay this obligation. You are legally obligated to stop all collection efforts and not report this account to any credit reporting agencies until such validation is received. This inquiry is meant to make sure the data you are reporting is correct, legal, and not the product of fraud, miscommunication, or error.

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 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: MA

Complaint narrative:
On XX/XX/XXXX a direct deposit is suppose to be posted into my account at open of business day every other months on- gong to date I have been getting delays in my funds from XXXX being post dated and released i have bee. in constant contact with Netspend regarding this same issue almost every other month now, XXXX funds are sent to folks financial institutions 30 days in advance therefore while I sit here and go without food in my stomach my funds are not being post dated like I know others who have this netspend is

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