vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 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: NV

Complaint narrative:
I am submitting this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate information, unauthorized inquiries, and addresses reported on my consumer credit file that I have no knowledge of. These errors are misleading, unverified, and continue to cause financial and reputational harm. 

My TransUnion report lists the address XXXX XXXX XXXX, XXXX, XXXX  XXXX. I have no knowledge of this address and have never resided there. Reporting an address that is not mine violates your duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). This address must be deleted. 

The address XXXX XXXX, XXXX XXXX, XXXX  XXXX is also being reported on my credit file. I have no association with this address whatsoever. Continued reporting of incorrect personal information after prior disputes reflects an unreasonable reinvestigation in violation of 15 U.S.C. 1681i ( a ). Immediate deletion is required. 

The account XXXX XXXX XXXX, account number ending XXXX, opened on XX/XX/XXXX, reporting a high balance of {$250.00}, is showing late payment history. While I am not disputing the account itself, I am disputing the accuracy of the late payment reporting. If these late payments can not be fully verified as accurate and compliant with Metro 2 standards, they must be corrected or update pursuant to 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). 

My TransUnion report shows an inquiry from XXXX XXXX dated XX/XX/XXXX. I did not authorize this inquiry. Reporting inquiries without a permissible purpose violates 15 U.S.C. 1681b, and this inquiry must be deleted. 

An inquiry from XXXX XXXX dated XX/XX/XXXX is also appearing on my report without my authorization. In the absence of documented permissible purpose, continued reporting violates the FCRA and requires deletion. 

Additionally, an inquiry from XXXX XXXX dated XX/XX/XXXX was not authorized by me. TransUnion is prohibited from reporting inquiries that lack valid consumer consent. This inquiry must be removed immediately. 

Finally, the inquiry from XXXX XXXX dated XX/XX/XXXX was not authorized and does not reflect any transaction initiated by me. Reporting this inquiry violates 15 U.S.C. 1681b and 1681e ( b ) and must be deleted. 

I respectfully request that the CFPB investigate these violations and require the immediate correction or deletion of the inaccurate addresses, unauthorized inquiries, and inaccurate payment history in compliance with federal 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 2026-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am the owner of this account that I am referring and complaining about and accept full responsibility for this account it belongs to me. This account should never have been placed in any type of fraud dispute status with Experian, XXXX, or XXXX. I was recently informed that the account was reported as fraud in error on their end. Which has caused my account to be restricted and unable to make my payment. 
I need this matter corrected it's not fair I should have to go through this in error of credit bureaus or XXXX XXXX XXXX fraud dep t Account Name : XXXX  XXXX XXXX XXXX Open Date : XX/XX/year> Credit Limit : {$16000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: NY

Complaint narrative:
To : The XXXX XXXX Legal Aid And Police Department, The Consumer Financial Protection Bureau From : XXXX XXXX XXXX XXXX Protected War Veteran XXXX XXXX in XXXX XXXX XXXX XXXX in XXXX XXXX This is a Report of of XXXX  Discrimination Practices in The Provisioning of ATM And Debit Card Overdraft Enrollment And Overdraft Approvals. 

I have received XXXX Notifications Confirming My Enrollment in ATM And Debit Card Overdrafts, and each Debit Card Overdraft Was Declined. 

Currently the account is Overdrawn For A Nominal Amount and Provides A Reasonable Approval Opportunity For The Debit Card Overdrafts. 

Therefore, I'm Reporting To The Regulatory Agencies XXXX Discrimination Practices That Disenfranchises Myself An XXXX XXXX XXXX XXXX And Protected War Veteran With A XXXX XXXX in XXXX XXXX And XXXX XXXX in XXXX XXXX 

If This Illegal XXXX Discrimination Practice Provided By This organization US not Resolved within the next few days, A Court Ordered Conciliation Of {$7000.00} Will Be Requested. 

Thanks and have a great day. 

XXXX XXXX XXXX XXXX Protected War Veteran XXXX XXXX in XXXX XXXX XXXX XXXX in XXXX XXXX  XXXX Mail : Search, Organize, Conquer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: IL

Complaint narrative:
I am writing to dispute certain information regarding my credit report. I believe the following accounts are incorrectly reported and need to be corrected. Below are the details for each account : Charged Off Accounts XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$40.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$61.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX  - Date : XX/XX/XXXXXXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. Please correct the errors and provide confirmation once the updates have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
In XX/XX/year>, my IRS tax refund was direct-deposited through XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to Navy Federal Credit Union . The banking information used for the direct deposit was entered as part of the tax preparation process by a tax professional. I did not personally provide or input the banking information and have not been provided documentation explaining how the account information was selected, entered, or verified. 

The refund was not received. I contacted XXXX XXXX XXXX XXXXXXXX, who confirmed in writing that the direct deposit was initiated on XX/XX/year> and that they contacted Navy Federal in good faith to retrieve the funds. XXXX XXXX XXXX XXXXXXXX advised that Navy Federal declined to return the funds and instructed that I must resolve the matter directly with Navy Federal XXXX XXXX XXXX XXXX XXXX Case # XXXX ). 

I have not been provided an explanation as to how the deposit was accepted if my name was not associated with the receiving account, nor have I been provided confirmation of whose name was on the account that received or attempted to receive the funds. 

I have requested written confirmation fr

om Navy Federal regarding whether the ACH deposit was received, rejected, returned, frozen, offset, or applied to any account, including the ACH trace number, return code, and the name associated with the receiving account. Navy Federal has not provided this information. I am requesting that Navy Federal provide written confirmation of the transaction status, identify the account holder associated with the depos
it, and return the improperly handled funds to me or otherwise make them available to me upon confirmation of the transaction status. I am requesting written correspondence only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
I have a debt that originated from XXXX that shows up on my credit report now as {$440.00} from Jefferson Capital. I have spoken with many parties from both companies ' multiple times but am not getting this issue resolved. When I spoke to XXXX, they verified the debt shows up as someone other than my name. I have tried over ten times to get this issue resolved and am not getting any assistance. I then contacted them and they reported there is nothing they can do because they already sent it over to the collection 's agency. I now have tried to close this account with Jefferson Capital and within doing so I had a woman who asked for a small amount of money to purchase my full credit report. I paid the few dollars to which she explained my credit report is plummeting from inaccurate information. I was told that they were only going to remove the things that are inaccurate on my credit report such as spelling of my name, false addresses, inaccurate standings of payments, etc., if I paid them for a membership fee around {$500.00}. She was very persuasive, and I was under the impression that was my only way to remove my debt from now both XXXX, and Jefferson Capital which is a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of america is the worst XX/XX/year>XXXX  i received an email from my landlord that the rent had not been paid. I tried to pay i noticed my card and my account isnt working. They never emailed me they never contacted me or any of the sort. so i contacted bank of america they said my account was placed on a hold. i asked why they couldnt say, i also asked how long they told me to just wait there wasnt any number to call or timeframe so you mean to tell me you can hold my funds that i use to pay my rent with now i can potientally be evicted because i dont know what is going on i cant simple tell my landlord the bank said wait that makes no sense. i work hard for my funds just for them to be witheld from me. THIS IS OUTRAGOUS I CANT WAIT TO CLOSE 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 monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing this complaint regarding Navy Federal Credit Unions handling of a billing dispute under the Fair Credit Billing Act. Navy Federal denied my dispute solely on procedural timing and failed to evaluate whether services were rendered or misrepresented, as required by federal law. I am requesting regulatory review to ensure compliance with FCBA obligations. 
Additionally, I called today ( XX/XX/year> ) and spoke with XXXX ( Incident # XXXX ) to verify the correct address to request NFCU to reinvestigate the case ( XXXX ) that was closed on the XXXX. I submitted all the email correspondence with XXXX XXXX XXXX ( XXXX ) that documented my requests for cancellation/explanation of inability to utilize the services as advised upon purchase on the 2nd and received email confirmation from NFCU that they received those documents the same day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX in XXXX XXXX XXXX, Florida, XXXX XXXX, will not Delink  our XXXX & BofA Accounts. We moved our 401K Funds out of XXXX, but think they have left open the XXXX XXXX XXXX accts. ( which have funds missing & will be filed under separate complaint ). XXXX & his banker, XXXX XXXX locked all BofA accts. to be run & reviewed by XXXX and we are unable to open new BofA accts. as BofA says XXXX agent must delink. They will not respond to our numerous complaints and letters the their secure mail or by our emails. 

We require to be completely removed from any XXXX XXXX and deal with Delinked BofA savings and checking accts. for BUSINESS & PERSONAL which ML agent will not do. 

There are many funds missing and disappeared from various accts., checking, savings, Credit Card , etc.,. by XXXX Agent BofA and XXXX that we have snap shots or credits and then the credits disappear. We have 401K accts. merged by the XXXX agent and he will not provide how he merged and where the documents are for our IRS records incase they ask how and why this was done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
On XXXXXXXX XXXX XXXXXXXX in the morning, a unknown individual to me by the name of XXXX XXXX accessed my Cash App account without my knowledge and on multiple successful attempts illegally withdrew over XXXX that I forgot to cash out on my Cash App account. I only noticed it that am XXXX when I received multiple emails stating the illegal transactions. 

I DO Not know this individual, not was he ever owed and funds from me. 

Ive contacted Cash App on several occasions and filed a fraud/theft report. I get notified by them that this transaction was authorized by me. 

I filed a police report ( XXXX XXXX XXXX ) case XXXX for theft/fraud. ( see attached police report ) I would not file a false police report and take a chance of being charged criminally for making a false report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
PayPal permanently banned my account without warning and without reason given. I have had no chargebacks, disputes, claims, or known fraudulent transactions and done nothing to violate the terms of service. The money I have stored in the account is not accessible for 4-6 months. Chatting, emailing and calling customer service all lead to the same result where they can provide NO INFORMATION whatsoever and there is no option to appeal. PayPal has no transparency with this situation whatsoever, user beware.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
CashApp turned my money into XXXX  without my consent or knowledge {$480.00} in XX/XX/year> Ive reached out later that night when u went to grocery store and had no money I wasnt able to speak to cash app they kept messaging saying its not on them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: TN

Complaint narrative:
I have a bill 12 days past due and I have been receiving multiple calls a day. Most recently I received 3 calls within 11 hours. The third call came after I called customer service and requested they stop. The time between that request and the last call was 3 hours. The time between the last two calls to me from them was 3 hours. When I called this last time a supervisor got on the line after i waited 25 minutes and told me they could call me 4 times a day. I again asked them to cease and desist. She initially told me it could take until the end of today to go into effect, then later in the call said it 'should " be done by some time tomorrow. I have wasted work time dealing with this and the calls are causing emotional stress and XXXX. I asked for a recording of our call today and was told I would have to subpoena the recording.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Paypal credit is refusing to abide by their own rules and also not protecting me. They are allowing an app that IS NOT allowed per their rules to not refund me my money. They continue to close my disputes even though I have requested a refund to a company with no actual customer service. This app is a scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Around XX/XX/year>, my business account which is under business credit card I am referring. Was current and there were no fees. I asked Bank of America for help paying the debt on the credit card to keep my small business. They referred me to XXXX XXXX XXXX ( XXXX ) which is a credit counseling and provides money management services. I did as informed by Bank of America. I enrolled with XXXX whereby XXXX advised me to be paying them to make payment to Bank of America on my behalf. I kept getting mail from Bank of America indicating different balance than the one I saw with XXXX which was making payment for me. XXXX told me to ignore and instead continue to make payment to them under the agreement. I was enrolled in a program called XXXX. I have faithfully being doing doing my due diligence of paying {$140.00} every month and the was paid to Bank of America. I got a call from XXXX indicating they are terminating payment and told me to work with Bank of America. I contacted Bank of America today about the issue. I complained to Bank of America because they charged me exorbitant fees while knowing I was going through hardship and while knowing I was working with debt management. Bank of America said there is nothing they could do. I did not know about paying other funds other than the amount of {$140.00} to XXXX. Bank of America is not acting in good faith by chosing to charge me fees knowing my circumstances. This unfair practice, dishonest, bad faith practice, and a betrayal to me because they knew my circumstances. I would like Bank of America to eliminate all fees/any overdraft related to this account. I am requesting the CFPB intervene.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NC

Complaint narrative:
On Tuesday XXXX XXXX  I went into my local store here in XXXX North Carolina piercing pagoda I return an item I received a receipt stating that my funds of {$370.00} should be back in my account within 24 hours cash app however it keeps playing games stating that all the merchant didnt send the money yet or they keep pushing back the date on my app changing up when I initiated the refund i have a receipt with the original date of the original return have screenshots of when they keep changing the date of the return in the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This company National Credit System is trying to collect on a debt that my apartment complex mistakenly sent to them. This debt was already taken care of after I renewed my lease my lease. I live at XXXX at XXXX apartments. I sent National Credit System a letter and they sent it back.

Company response to consumer: Closed with explanation