vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
My address on file has been correct, however I have not received a single notification about a late balance or that my vehicle was at risk of being repossessed, nor did I receive any phone calls, and I updated my phone number. 

My car was repossessed without written notification and now Honda is refusing to provide me any information on my vehicle until 48-72 hrs after repossession in regards to payment.

I have confirmed with the tow company that they have already provided the bank with all the information needed. However Honda refuses to speak to me until they are ready. I already feel like my rights have been violated and now they are delaying my ability to retrieve my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: COMMERCE BANK
State: MO

Complaint narrative:
In approximately XXXX, I paid off my Commerce Bank XXXX credit card ending in XXXX, destroyed the card, and never activated any replacement card. I had XXXX activity on the account for nearly a decade and reasonably believed the account had been closed due to standard inactivity practices. 

Despite this, in XX/XX/year> Commerce Bank issued and mailed a live convenience check tied to this dormant account to an address where I had not lived for XXXX years. I did not request this check, authorize it, or know it was mailed. The check was intercepted and fraudulently cashed by an unknown individual, resulting in a {$5000.00} loss. 

Commerce Banks failure to close the inactive account, failure to verify my current address, and issuance of an unsolicited negotiable instrument directly enabled this fraud. 

I received a letter from Commerce Bank on XX/XX/year> confirming the {$5000.00} fraudulent check and temporary credit. 




What problems did this cause? 
Fraudulent {$5000.00} check cashed Time spent resolving the issue ( calls, letters, police filing ) Emotional distress and fear of identity theft Need for enhanced financial and credit monitoring Interruption of my home loan process because this incident may affect my credit Delay to my familys home-buying timeline

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
CFPB Complaint : Retaliation and Documented Financial Harm Company Involved : Bank of America Product : Checking Account/Account Management Issue : Retaliation, Disrupting Government Benefits, Financial Harm Complaint Narrative 1. Illegal Retaliation Timeline : I previously filed a formal CFPB complaint against Bank of America ( BofA ) on [ Insert Date of Original CFPB Complaint, if you remember it ]. In direct retaliation for that complaint, BofA reported a technical, non-financial compliance violation to the Social Security Administration ( SSA ) regarding the Representative Payee status for my daughter, XXXX XXXX. This alleged violation ( commingling of funds ) had existed and was ignored by BofA for several years. BofA took this specific action shortly after my complaint was filed, demonstrating premeditated malice.

2. Documented Financial and Governmental Harm : BofA 's retaliatory report immediately resulted in severe financial and governmental harm to my dependent child and me : SSA Payee Termination : The SSA issued a formal notice to remove me as my daughter 's Representative Payee ( XXXX XXXX XXXX # : XXXX, dated XX/XX/2025 ). This action directly threatens the continuity of benefits essential for my daughter 's food and shelter. 
Financial Loss : BofA 's action caused the immediate loss or freezing of XXXXXXXX XXXX XXXX benefit payment of {$990.00}, which is vital income that has been denied to her.

3. Request for Resolution : I request that the CFPB investigate Bank of America for illegal retaliation against a consumer who filed a formal complaint. I demand that BofA : Compensate me for the immediate financial loss of {$990.00} caused by the disruption of the deposit. 
Compensate me for all fees and expenses incurred ( e.g., mailing, new account fees ) as a result of their retaliatory actions. 
Bank of America weaponized a technicality to disrupt my familys basic income after I sought legal recourse through the CFPB. This behavior is unacceptable and must be penalized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NJ

Complaint narrative:
Subject / Title : Dispute {$230.00} transaction XXXX order XXXX Not Received, Wrong Delivery by XXXXXXXX XXXX XXXX XXXXXXXX : XXXX Merchant : XXXX Credit Card Issuer : Bank of America Complaint Details What happened : I placed an online order with XXXX for cosmetics totaling US {$230.00} the order number is but I never received the package. The delivery confirmation from the courier shows a photo, but the location in the picture is not my home .I have inspected around my property ; the package is nowhere to be found. 
Here are the key facts : I never received the items. 
The couriers proof-of-delivery photo is incorrect it does not show my house or any feature of my address. 
I immediately contacted XXXX to report not received and requested a refund. 
XXXX refused to refund me, insisting the delivery was successful. 
I then filed a dispute with Bank of America, but they probed the issue and sided with XXXX, denying my dispute. 
Therefore, the {$230.00} XXXX has not been reversed, and I remain out of pocket for goods I never got. 
What I want/ Proposed Resolution : I request a full refund of XXXX $ XXXX to my credit card, because I did not receive the goods, and the evidence provided by the shipper is clearly flawed/ false. 
Why I Believe This is a Consumer Financial Issue : This is not only a merchant dispute, but also a billing error under my credit card account : the charge has been posted, I did not receive the product, and the card issuer ( Bank of America ) failed to protect me through its dispute process. 
Supporting Documentation ( if you have ) : Order confirmation from XXXX Transaction on credit card statement for {$230.00}

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 2025-11-24 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: GA

Complaint narrative:
I am disputing the following accounts and entries because they appear inaccurate, incomplete, or can not be properly verified based on my records. Please conduct a full reinvestigation and provide documentation supporting all reported information. 

Charged Off Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: VA

Complaint narrative:
I am requesting an investigation into the following accounts and inquiries because the information is inaccurate or incomplete. Please verify all data and correct any errors under the FCRA. 

Charged-Off Accounts in Dispute XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Bal : {$2800.00} XXXX Acct : XXXX DOFD : XX/XX/XXXX Bal : {$280.00} These accounts contain inconsistencies compared to the other bureaus. Please verify accuracy. 

Inquiries in Dispute The following inquiries appear unnecessary, excessive, or unauthorized. Please confirm permissible purpose : XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This late payment appears inaccurate and needs verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX Big XXXX XXXX XXXX, MI XXXX Subject : FDCPA XXXX ( b ) Validation Request Cease Reporting Until Verified To Whom It May Concern, ginal creditor Until validation is provided, you must : Cease collection activity I am requesting full validation for the following debts you claim I owe : XXXX. XXXX XXXX. Account XXXX {$2200.00} XXXX. XXXX XXXX XXXX. Account XXXX {$1500.00} Under FDCPA 809 ( b ), please provide : Proof you own these debts Full itemization of balances Contract or agreement with my signature Dates of last payment Chain of title from the ori Cease reporting to credit bureaus Request deletion of the accounts Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my third formal request to have the unauthorized accounts and inquiries on my credit report reviewed and corrected. These inaccurate entries have substantially lowered my FICO score, causing difficulties in maintaining my financial stability.

I am urgently seeking your assistance in resolving this matter, particularly as I am preparing to apply for a loan that requires a strong FICO score for eligibility. Your prompt attention to this issue would be greatly appreciated and would allow me to proceed with my financial plans without further detriment. 

Thank you for your support and cooperation in correcting these inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
Hello, I am updating my complaint because I received a call from a Continental Finance corporate supervisor named XXXX, who acknowledged the following issues : 1. Continental Finance mishandled my settlement, communication, and refund process.

2. Multiple violations occurred, including failure to properly notif
y me, inconsistent documentation, and misinformation from customer service.

3. A refund was discussed and escalated internally but ultimately denied without explanation.

4. Continental Finance is unable to provide proof of : Any attempted calls Any mailed notices Any refund documentation Any internal notes supporting their claims 5. The only resolution they offered was to delete the account from my credit report, which does not resolve the damages caused by the mishandling.

I am requesting CFPB assistance because Continental Finance has admitted issues, has failed to provide documentation, and is not resolving the legitimate concerns regarding the promised refund and the mishandled settlement process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MI

Complaint narrative:
I am a consumer attempting to correct inaccuracies on my credit reports. I am requesting a full investigation into the items listed below. These accounts and inquiries are being reported incorrectly and are causing harm to my credit profile. Please review each item and provide validation, documentation, and correction where applicable. 

Experian is reporting the following charged-off accounts inaccurately. I am requesting a full investigation and proper documentation proving ownership, balance accuracy, account dates, and reporting compliance. 

Charged Off Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$9800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2700.00} Inquiries I did not authorize the following inquiries, and I am requesting their removal unless Experian can provide documentation showing my direct consent : 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 explanation
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XX/XX/XXXX {$280.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$210.00} XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$200.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$19000.00} These items have discrepancies in reporting dates, balances, or creditor names across bureaus. Some also appear unfamiliar to me. I dispute these and request removal if they can not be fully validated. 

INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX I do not recall applying for credit that would justify these inquiries. Please verify permissible purpose or remove. 

LATE PAYMENTS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These reported delinquencies are inconsistent with my records. I request reinvestigation and correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I'm writing to you as homeowner in distress, seeking assistance with a claim issue involving my home insurance policy. I am experiencing an urgent situation and require immediate help. 
My property is located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. In XXXX XXXX, my hone suffered significant damage from a flood. My insurance policy with XXXX XXXX, policy # -- -- XXXX. 
On XXXX, I received a check for the amount of {$120000.00} from XXXX XXXX XXXX I deposited this check into my bank account with the necessary signatures, including my own and my daughter 's. However, I failed to recognize that the mortgage company also needed to endorse the check. 
The funds were to be released through Navy Federal and XXXX XXXX, but they have been on hold due to the lack of endorsement from the mortgage lender. I have received a hold harmless letter from Navy Federal, specifying precisely what is required to release the funds, yet I have been unable to get any assistance from the parties involved to resolve this matter. 
Consequently, I am unable to access the funds needed to begin repairs on my home, so I can return to live in a safe and functional environment. 
I am at a loss for how to proceed and respectfully ask for your office 's intervention in resolving this issue. I would greatly appreciate any guidance or support you could provide to expedite the release of the funds. 

Thank you for your time and attention to this urgent matter. I am available at your earliest convenience to provide any further information or documentation you might require.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint because multiple inaccurate and unverifiable negative accounts continue to be reported on my credit file, even though I submitted formal disputes to the credit bureaus. These accounts contain significant Metro 2 reporting violations including missing dates, missing payment history codes, missing Date of Last Activity, missing Date Closed, contradictory delinquency codes, and incomplete or conflicting information across each bureau. 

My identity and personal information were also compromised in XXXX confirmed data breaches : the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Data Exposure Settlement. These incidents exposed my personal identifying information, including my name, date of birth, contact information, and other identifiers. 

Because the credit bureaus did not request or provide complete documentation verifying these adverse accounts, and because many fields required for FCRA compliance are missing or inconsistent, these accounts can not be verified with maximum possible accuracy under FCRA 607 ( b ), nor were they properly reinvestigated under 611 ( a ). 

I am requesting that the CFPB to require TransUnion to DELETE any account that can not be verified with complete, accurate documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This account is reporting a derogatory status on my credit report, I am unaware of the derogatory status, this account was fully paid on time under the terms of the agreement.

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