vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 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: KS

Complaint narrative:
On XX/XX/year>, I submitted a formal debt validation and dispute request to XXXX XXXX XXXX XXXX regarding an alleged debt they claim I owe. Despite my timely request, the company has failed to provide any documentation validating or verifying the debt. 

Despite their failure to validate the debt, Absolute Resolutions has continued to report this unverified debt to the credit reporting agencies, including TransUnion. This action violates both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Under the FDCPA ( XXXX U.S. Code XXXX ), a debt collector must cease collection activitiesincluding credit reportinguntil the debt is validated. Under the FCRA ( XXXX U.S.C. XXXX ), furnishers of information must ensure that any data reported to credit bureaus is accurate and verifiable. 
I am requesting the following actions : - That XXXX XXXX XXXX XXXX immediately cease all collection and reporting activities permanently blatant and intentional violation of my rights. 
- That TransUnion remove the unverified debt from my credit report. 
- That the CFPB investigate XXXX XXXX XXXX XXXX for noncompliance with federal law. 

See CFPB Complaint ID XXXX as proof of dispute. 

This unresolved issue has caused significant financial harm, including mortgage denial, homelessness, and repeated credit denials. I respectfully request immediate corrective action.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I previously submitted letters to address errors on my Experian credit report, but no corrections have been made to date. Please review the documents and correspondence I provided regarding these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: VA

Complaint narrative:
XXXX XXXX is reporting a late payment and labeling this tradeline as Account Not in Dispute, which is completely inaccurate. I have disputed this account multiple times, and no valid documentation has ever been produced.

Under FCRA 623 ( a ) ( 3 ), a furnisher must report an account as in dispute when notified by the consumer. Failing to do so while continuing to furnish data violates FCRA 607 ( b ) ( maximum possible accuracy ) and 623 ( a ) ( 1 ) ( A ) ( duty not to report false information ). 
Furthermore, XXXX XXXX has not provided actual bank statements, billing statements, or proof of late payments meaning this information is hearsay and unverifiable under FCRA 611 ( a ) ( 1 ) ( A ).

Per Metro 2 Manual 4.3.1, data furnishers must maintain documentary evidence supporting derogatory codes such as 30/60/90 days late. Reporting without documentation is considered factual inaccuracy.

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 2025-11-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX is reporting a late payment and labeling this tradeline as Account Not in Dispute, which is completely inaccurate. I have disputed this account multiple times, and no valid documentation has ever been produced.

Under FCRA 623 ( a ) ( 3 ), a furnisher must report an account as in dispute when notified by the consumer. Failing to do so while continuing to furnish data violates FCRA 607 ( b ) ( maximum possible accuracy ) and 623 ( a ) ( 1 ) ( A ) ( duty not to report false information ). 
Furthermore, XXXX XXXX has not provided actual bank statements, billing statements, or proof of late payments meaning this information is hearsay and unverifiable under FCRA 611 ( a ) ( 1 ) ( A ).

Per Metro 2 Manual 4.3.1, data furnishers must maintain documentary evidence supporting derogatory codes such as 30/60/90 days late. Reporting without documentation is considered factual inaccuracy.

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 2025-11-09 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing a complaint regarding a {$300.00} charge on my Apple Card related to an XXXX XXXX trade-in misunderstanding. 

I purchased an XXXX through Apples online store and selected the trade-in option and XXXX as XXXX XXXX. I was informed by XXXX XXXX staff that I could complete my trade-in directly with XXXX since XXXX was traveling internationally. I completed the trade-in with XXXX, and XXXX has confirmed that they received my old device and applied my promotional credits. 

However, XXXX still charged me {$300.00} on my Apple Card, claiming the trade-in was not received. When I disputed this through the Apple Card dispute process, the dispute was denied because Apples system only recognizes trade-ins returned through their own channel even though I fulfilled the trade-in through XXXX per Apples own XXXX. 

At this point, I do not have the device, XXXX confirms the trade-in, and I am being unfairly charged {$300.00}. XXXX and XXXX each refer me to the other, and no one will correct the charge. 

I am requesting the reversal of this {$300.00} charge or equivalent credit to my Apple Card since the trade-in was completed per the information I received from XXXX. 

So my point is even if I Directly traded in with verzion directly i will still receive the same credit because I upgraded my plan. At this point I am paying extra {$350.00} to XXXX despite traded in my device and upgrading my plan with XXXX. 

At XXXX Check out I only paid the tax and my device installment and monthly will will be charged by XXXX. 

XXXX XXXX number : XXXX The order was placed under name XXXX XXXX who is the verzion family plan owener. 
Attached are screenshots and proof of my XXXX trade-in confirmation and XXXX purchase XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX, I visited TD Bank to obtain a certified Bank Check for {$1500.00} payable to the XXXX XXXX XXXX XXXX  ( XXXX XXXX  ) to satisfy a XXXX XXXX  requirement for a primary residence we were building. {$1500.00} was removed from my TD Checking Account that day. 

On XX/XX/XXXX, I received a letter from XXXX releasing the Bond and returning the original Bank Check. The letter stated We contacted TD Bank and they indicated you can bring the check to them to have the funds returned to your account. 

On XX/XX/XXXX, I went to TD Bank on XXXX XXXX XXXX, XXXX, Connecticut to cash the Bank Check. I showed the teller the letter from the XXXX and her supervisor approved the disbursement of the funds. I left the bank with {$1500.00} in cash. 

On XX/XX/XXXX, I received a call from an XXXX XXXX at TD Bank ( XXXX ) stating that the funds represented by that Bank Check were relinquished to the State of Connecticut as abandoned property. She requested my authorization to remove {$1500.00} from my TD Bank checking account. I denied her request. I informed her that there was no expiration date on the bank check, that neither the XXXX  nor I were ever warned/informed that this was going to happen, and reminded her that the XXXX  confirmed with TD Bank that the funds would be returned to me. {$1500.00} was later removed from my checking account without my authorization and the transaction was labeled as Deposit Correction. 

On XX/XX/XXXX, I contacted TD Bank. I filed a complaint ( XXXX ) regarding the TD Bank employee who removed funds from my checking account without my authorization. 

On XX/XX/XXXX, I received a call from a XXXX at the TD Bank CEO Office ( XXXX ) who said he would investigate this matter and would get back to me in 2-3 days. Since then, I have called him several times, left several messages, and have not received a call back or any status update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: CA

Complaint narrative:
On XXXX XXXX XXXX, I received notification from Citi Cards that someone was using my Best Buy Credit Card Fraudulently. At the time I received the text message I was sitting in the Dentist chair so I could not get back to them until a bit later. I called them and let them know that none of the charges they told me went through there were XXXX total were mine. The second one XXXX the agent said was XXXX for {$1000.00}. All of the other charges have been removed except this one and it is still showing up on my statement. At the time of the fraud, I owed a balance of {$600.00}, as I had purchased something on XX/XX/2025, and was told I could either get points or take 18 months to pay the balance off in full. This is the only amount I owe. I have called Citi CardsXXXX XXXX XXXX  on the following dates XX/XX/2025, XX/XX/2025, XX/XX/2025, XX/XX/2025, and attempted again today XX/XX/2025, but the automated service kept cutting me off. I pulled the statement for this month today so I could get the bill paid and it is still showing the fraudulent purchase on my account, and I do not owe this. I also don't want this to affect my credit score ; I have a perfect credit score and this extra {$1000.00} on my account will lower it. I am planning on moving and need my score to remain perfect, so I don't have any issues. Trying to get anyone at Citi Cards to do anything is ridiculous and unfortunately more times than not when I have spoken to the associates they don't understand or speak XXXX. I don't know what else to do at this point because although I have told them numerous times the {$1000.00} is fraud, they are NOT removing this. Not only are they not removing it but these charges were posted and made XXXX day after the initial fraud, and I was told that the card had been frozen so no more charges could be made. Yet this {$1000.00} shows on the statement as XXXX. I need help and Citi Card, Best Buy is not doing anything to help. 
Best Regards, 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 monetary relief
Consumer complaint received 2025-11-09 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: KY

Complaint narrative:
I submitted detailed written disputes to the credit bureaus regarding multiple inaccurate accounts and specifically instructed that no automated e-OSCAR system could be used. I required full reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ), including the name, phone number, and documentation from the furnisher verifying each account. The bureaus failed to provide any proof, contact information, or reinvestigation results within 30 days as required by law.

The CFPB previously notified the bureaus of these complaints, yet they still have not responded or deleted the unverifiable information. Under FCRA 611 ( a ) ( 5 ) ( A ), any data that can not be verified must be deleted. Their failure to do so is willful non-compliance.

Because of these reporting failures, I was denied a mortgage for {$420000.00} and have suffered measurable financial harm. I am requesting CFPB enforcement to compel immediate deletion of all unverifiable accounts and a printed copy of my corrected credit report mailed to my address within five business days.

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 2025-11-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX years. 

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.

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 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
deposited {$900.00} cash at XXXX using XXXX XX/XX/XXXXXXXX XXXX system. I have the physical receipt with timestamp, store number, and confirmation. The funds were successfully transmitted by XXXX. Capital One has refused to post the funds or provide legally required provisional credit while they investigate. Multiple supervisors deflected the request and XXXX disconnected the call. I now can not pay required bills due entirely to XXXX XXXX  system failure, not any action on my part. I am requesting immediate posting of the deposit or provisional credit, per Regulation XXXX, while the investigation is completed this happened XX/XX/year> 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently discovered that a XXXX XXXX account ( ending in XXXX ) has been reported on my credit file. I have never opened or authorized any XXXX XXXX account and have no business or personal connection with the company. This appears to be a case of identity theft. 

The account first appeared on my credit report dated XX/XX/year>. I immediately contacted the credit bureaus to dispute the entry and began the process of filing an identity theft report. I have not received any communication from XXXX XXXX about this account prior to seeing it on my report, which confirms it was opened without my knowledge or consent. 

I am requesting that this fraudulent account be removed from my credit report and that XXXX XXXX be notified of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: MOHELA
State: TX

Complaint narrative:
Under the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g, I am writing to formally request a review and correction of information contained in my education records related to my student loans.

Specifically, I am disputing the fact that on XX/XX/year>XXXX  I was under the impression that my loans are to be private under my protected health information. However, my current and future employer was provided information related to my balance due and it had a negative impact when my loans are in deferment.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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.

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 2025-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc.
State: PA

Complaint narrative:
According to 15 USC 1681 C-2 and 1681s-2 you have broken the law by reporting this information on my report knowing its inaccurate. Remove this fraudulent information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: WA

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations you failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX  Account 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 2025-11-09 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: EQUIFAX, INC.
State: WA

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations you failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX  Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I sent a payment from my business account ( XXXX ) to my personal account ( XXXX ), according to my accountant 's instructions. Paypal 's system incorrectly flagged this as a fraudulent transaction ( even though I have sent many similar payments in the past ), and shut down both my business and personal accounts. After submitting the requested information, my account was cleared of any wrongdoing, and my business account was restored. However, my personal account is still restricted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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.

Complaint narrative:
I wrote to the bureau to correct errors on my credit report, but I havent seen any changes yet. Please review the documents and letter I provided about these issues.

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 2025-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: FL

Complaint narrative:
on XX/XX/year>XXXX  you stated a lein release has been prepared and sent for recording send me a copy of the Lien Release loan XXXX

Company response to consumer: Closed with explanation