vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data
breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I keep getting over draft fees after I asked for them to not allow my account to be able to get over drafted they told me its a pick and choose on which places can do it and thats not what I signed up for thats fraud if I asked for something to not be done it shouldnt be a problem. They come up with all these fees and charges this is an inconvenience Im paying more for overdrafting that I use the account but when my car insurance tried to come out it was denied

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-26 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: NY

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 2025-12-26 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: MI

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 2025-12-26 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX XXXX  TD bank XXXX ny. 
international wire transfer in the amount of {$26000.00} i provided the bank employee XXXX XXXX XXXX my phone with wire destination information to wire or to complete my transaction however my focus was on beneficiary account number and destination bank, but TD bank employee entered " '' wrong XXXX number '' '' and didn't enter " '' inter-mediatory bank '' '' info as well. 
i went back after 4 days due to weekend. and pointed out their mistakes, so bank sent out corrected information to wire transfer dpt. of TD internal services. and told me it will take XXXX to XXXX days for investigation to complete and will return or re-send funds to correct beneficiary. nothing happened, they didn't call me back, then i called TD bank wire dpt for help. and they told me they will fix this by Friday XXXX after Christmas holiday. yet no response. 

so i called them again Friday which is today. they saying they are at the mercy of beneficiary bank who received wrongfully my funds. Which they are not returning and they didn't responded TD banks request. i asked them who have my funds at the moment so i can reach out to that bank. but they wont disclose the information. 

wrong XXXX possibly banks involved according to my internet research. 
TD BANK. 
XXXXXXXX XXXX 
XXXXXXXX XXXX XXXX XXXX  XXXX in NJ. 

i can provide wire transaction receipt upon request. i have all supported documents if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank withheld funds from a deposited check, closed my account, and has refused to release or return the money despite multiple confirmations that they received the funds. I have never received a written explanation of the investigation or instructions on how to resolve it. 

In XX/XX/XXXX, I deposited a {$1200.00} XXXX check into my Citibank checking account ( digital deposit ). XXXX XXXX issued the check as part of an international transfer from an account I own at a XXXX  XXXX  ( XXXX, in XXXX ). Citibank later informed me by phone that the check had been flagged as fraudulent and that my account would be closed. However, Citibank representatives also confirmed, multiple times, that they did receive the funds and that the funds would be returned to me, which never happened. 

I have spent over a year trying to resolve this with Citibank, XXXX XXXX, and XXXX without any written explanation, status updates, or a clear resolution path from Citibank. 

Detailed Timeline XX/XX/XXXX Transfer initiated from my XXXX account via XXXX check for {$1200.00}, payable to me. 
XX/XX/XXXX I deposited the check digitally into my Citibank checking account. 
XX/XX/XXXX Citibank notified me that my account would be closed due to irregular activity. When I called, I was told the XXXX  check was flagged as fraudulent. I was not provided anything in writing explaining the fraud finding or the next steps. 
XX/XX/XXXX Because Citibank claimed they did not process the check, I re-deposited the original check back into XXXX. 
XX/XX/XXXX XXXX  informed me that the check was returned by XXXX XXXX with REFER TO MAKER, and also told me the funds had already been captured by Citibank. 
XXXX XXXX Citibank confirmed by phone that the funds were received and would be mailed to me by check. This never occurred. 
XX/XX/XXXX Citibank informed me ( again by phone ) that the funds were being held until the issuing bank authorized release and that XXXX needed to call Citibank Fraud. I relayed this, but to date, the funds are still withheld.

At no stage did Citibank provide written correspondence explaining : Why the funds were held ; The legal or regulatory basis for continued retention ; Any investigation results ; How I could resolve the situation.

The only written communication I received was a generic account-closure email stating I had violated account terms, without any explanation.

Impact - {$1200.00} remains withheld without a clear legal justification.

- My bank account was closed, and my banking reputation was damaged.

- I spent significant time making in-person visits and numerous calls to three banks.

- These funds were intended for urgent medical expenses for a family member.

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 2025-12-26 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am resubmitting this complaint because Capital One has incorrectly denied my identity theft dispute and continues to assert liability based on legally insufficient reasoning, resulting in inaccurate credit reporting. 
The account ending in XXXX was not opened by me, not authorized by me, and not used by me. I am a victim of identity theft. Any charges, activity, or payments associated with this account occurred without my knowledge, permission, or benefit. 
Capital One claims the account belongs to me because payments were made and because the account was listed in a XXXX  XXXX bankruptcy. Payments made by third parties do not establish liability, and bankruptcy schedules are XXXX  admissions of debt validity. I was unaware the account was fraudulent at the time of filing. 
Once identity theft is identified, creditors are required to correct inaccurate reporting regardless of bankruptcy status. XXXX XXXX  refusal to do so has caused continued inaccurate credit reporting and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting and failure to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ).

I disputed a collection account with XXXX, XXXX, and XXXX  pursuant to 15 U.S.C. 1681i. As a result of this dispute, XXXX  and XXXX  deleted the account, while XXXX  verified it.

My dispute to XXXX  was sent via certified mail, Tracking Number XXXX, and was received and signed for, establishing proof of notice.

Despite receiving notice of the dispute, the debt collector continued to furnish and verify the account as accurate with XXXX. I subsequently submitted a direct written request to the debt collector requesting full account-level substantiation of the alleged debt, including original contractual documentation and verification materials relied upon to certify accuracy.

To date, the debt collector has failed to provide competent documentation sufficient to substantiate the accuracy and legal enforceability of the account. Internal summaries, screen printouts, or database confirmations do not satisfy the FCRAs requirement of a reasonable investigation.

The continued reporting of this account, despite deletions by two consumer reporting agencies and failure to substantiate verification after notice, constitutes negligent and/or willful noncompliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: FL

Complaint narrative:
I actually attended XXXX University in XXXX XXXX, FL and XXXX University in XXXX XXXX, FL. I was forced to take out private loans to cover my school tuition. As a student at the time, I was taken advantage of due to seeking a better life for me and my family. Although, I am making these loans payments it seem like a never ending process. My loan appears to be at a standstill I'm assuming due to insanely high interest rate. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: OH

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

Company 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