vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX. My personal information was exposed in a data breach and used to open accounts without my knowledge or authorization. I did not open, authorize, or benefit from these accounts in any way. The following accounts are not mines Selfinc/Lead account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX all of which is listed on my Transunion credit report.

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 2026-07-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
" MOHELA is showing only 108 payments remaining and a XXXX XXXX monthly payment, but my official XXXX record shows 177 qualifying payments already made with only 63 remaining until forgiveness. This appears to be a serious processing error. '' Enclosed is the accurate payment count related to XXXX. XXXX more until forgiveness ( around XX/XX/year>XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-03 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: AL

Complaint narrative:
THE FOLLOWING ACCOUNTS VIOLATE MY RIGHTS UNDER 15 U.S.C. 1681E ( B ) AND 15 U.S.C. 1681B REGARDING PERMISSIBLE PURPOSE. I DID NOT AUTHORIZE THESE COMPANIES TO ACCESS, REPORT, FURNISH, OR MAINTAIN ANY INFORMATION ON MY CREDIT FILE. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND I BELIEVE THEY MAY BE THE RESULT OF IDENTITY THEFT, FRAUDULENT ACTIVITY, OR INACCURATE REPORTING. I AM REQUESTING THAT THESE ACCOUNTS BE IMMEDIATELY BLOCKED, DELETED, AND PERMANENTLY REMOVED FROM MY CREDIT REPORT WHILE THIS MATTER IS BEING INVESTIGATED. PLEASE PROVIDE PROOF OF ANY ALLEGED AUTHORIZATION IF YOU CLAIM THESE ACCOUNTS ARE VALID. IF SUCH DOCUMENTATION CAN NOT BE PROVIDED, THESE ITEMS MUST BE DELETED IMMEDIATELY IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-03 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: TN

Complaint narrative:
I am filing this complaint due to ongoing and unresolved issues with my account ( s ) with this company. I have identified multiple discrepancies, including unauthorized or incorrect charges, billing errors, and/or inaccurate account information. Despite repeated attempts to resolve these matters directly, the company has failed to conduct a proper investigation or provide a meaningful resolution. My prior disputes have either been ignored, inadequately addressed, or improperly denied without sufficient explanation. The companys handling of these issues reflects a lack of due diligence and raises serious concerns regarding its compliance with consumer protection standards. As a result, I have experienced financial harm, unnecessary fees, and significant inconvenience. I am now seeking formal intervention, as I no longer have confidence in the companys willingness or ability to resolve these matters appropriately.

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 2026-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting a complaint regarding inaccurate personal identifying information appearing on my consumer credit reports. After reviewing my reports and supporting documentation, I identified personal information that is incorrect, outdated, inconsistent, or not associated with my accurate identity records. The Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), requires consumer reporting agencies to maintain maximum possible accuracy regarding all information contained within a consumer file. Under 15 U.S.C. 1681i, disputed information must be reasonably reinvestigated and corrected when inaccuracies are identified. Given the increasing number of consumer data breaches and incidents involving compromised personal information, the inaccurate personal information appearing on my reports may be the result of corrupted or improperly merged data files. I have attached supporting identification and personal documentation verifying my correct information. The continued reporting of inaccurate identifying information creates confusion regarding my consumer file and raises concerns regarding the accuracy and integrity of the information being maintained and reported.

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 2026-07-03 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: TX

Complaint narrative:
I deny any role in creating or approving the specified accounts and do not claim them. Please investigate thoroughly and remove them once verified. Documentation is included.

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 2026-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint because multiple companies obtained my consumer credit report without my knowledge or authorization. I did not authorize these entities to pull my credit, nor did I provide consent for them to access my consumer report. As a result, unauthorized hard inquiries were placed on my credit file, which may have negatively impacted my credit score. The companies involved include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have disputed these inquiries with the credit reporting agencies and requested that they verify that each company had a permissible purpose to access my consumer report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. I have also requested that any inquiry that can not be verified be removed pursuant to 15 U.S.C. 1681i. I am requesting that the Consumer Financial Protection Bureau investigate this matter and require the companies involved, as well as the consumer reporting agencies, to provide documentation demonstrating the permissible purpose for each inquiry. If they can not establish that the inquiries were legally authorized, I request that they be permanently removed from my credit reports. I also request that appropriate action be taken to ensure my rights under the Fair Credit Reporting Act are protected and that I receive written confirmation of the results of the investigation.

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 2026-07-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Johnson Mark LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I was sued by Johnson Mark XXXX firm for a debt I owned Capital XXXX case XXXX account ending in XXXX. I went to court on XX/XX/XXXX and met with their attorney, XXXX XXXX. We negotiated a payoff of {$1000.00} and I went to the bank and got a cashiers check from XXXX XXXX XXXX XXXX. Check # XXXX She said she would send it to portfolio recovery. As of today portfolio recovery has not been paid and Johnson Mark XXXX has no record of my payment. The lawyer I guess didnt submit my payment and my credit has been affected for the past 5 months. They still have not located my payment and I have sent the court documents as well as a copy of the cashiers check receipt to them. I am not receiving help to get this off my credit and they do not have the payment and have no resolution.

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 2026-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Johnson Mark LLC
State: NY

Complaint narrative:
They " RESPONDED '' with a " see attached '' notation and did not attach ANYTHING. I live in XXXX, NY. The statute of limitations on this alleged debt has expired, as the XXXX in NY ( it is 3 years there ). However, a company called Johnson Mark LLC, which represents XXXX, has been trying to sue me in XXXX, Arizona. I feel that the company is venue shopping because the XXXX has expired in NY. NY is also not a community property state. This caused fear for my family. This is a confusing process to navigate. I notified the company of the error. Johnson Mark LLC originally sent the case back to XXXX, whom agrees I can not be sued for this debt. However, as recently as XX/XX/year>, Johnson and Mark LLC still continues to try to collect this debt through mediation by " attending virtually ''. I have spoken to their representatives multiple times including Thursday XX/XX/XXXX. This was after they previously did file motions to dismiss on XX/XX/year>. My calls to the company on XX/XX/XXXX to the XXXX XXXX XXXX XXXX in XXXX, AZ shows that they did not dismiss this case but indeed wish to proceed through mediation. There is no jurisdiction for this case in Arizona.

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 2026-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing a formal complaint against Bank of America regarding an unfair billing practices issue and their refusal to grant a standard consumer courtesy waiver. I have been a loyal customer with Bank of America for over 30 years and have maintained an excellent, positive payment history. I recently initiated a balance transfer offer and subsequently paid off the account completely, bringing the balance to XXXX to prepare for account closure. {$3400.00} was paid at that time. This was for Bank of America XXXX ending in XXXX. Bank of America then assessed a residual/trailing interest charge of {$38.00} after the account was paid off. This was after already assessing {$120.00} in interest over a two month period while scrambled to get the entire balance paid off. When I contacted customer service to request a one-time courtesy waivergiven my long-standing history and the fact that the core balance was entirely clearedthe bank flatly refused to assist, despite the fact that I explained to them that I suffer from long term chronic illness and had recently been experiencing financial trouble. While I understand the technical mechanics of trailing interest, enforcing this minor fee against a loyal customer who proactively XXXX out their account is predatory. Furthermore, the bank is using the threat of severe, automated credit bureau reporting ( which will permanently damage my excellent credit score ) as leverage to force compliance over a {$38.00} residual charge. To protect my credit profile from automated damage while this federal dispute is pending, I am paying the {$38.00} fee under protest. Desired Resolution : I request that Bank of America 's executive office review this matter, issue a full refund/credit of the {$38.00} trailing interest fee, and ensure no negative or late marks are sent to XXXX XXXX or 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 2026-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Ally Financial engaged in a deceptive pattern of collecting funds under false pretenses. Written evidence, available upon request, proves representatives promised a loan modification if specific payments were made. I complied on multiple dates, yet Ally refused the modification, demanded a XXXX payment, and is now threatening repossession while actively withholding my account and call history.

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 2026-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am requesting immediate assistance regarding the mishandling of my auto loan accounts with Ally following the total loss of my previous vehicle. From the very beginning of my new loan, I have been receiving collection calls and notices from Ally, even though my payments have been made on time through automatic payments. My previous vehicle was declared a total loss, and both my insurance company and XXXX insurance paid the outstanding balance. Despite this, Ally has failed to properly close the original loan account. For the past XXXX months, I have contacted Ally every month to request that they correct their records. Instead of resolving the issue, they have continued to keep the original account open and have repeatedly misapplied my payments intended for my new loan. As a result, I have been subjected to ongoing collection calls, unnecessary harassment, and inaccurate reporting of delinquent payments to the credit bureaus. My payments have been received on time, and I have not made any late payments. The negative credit reporting and collection activity are the direct result of Ally 's failure to properly process the insurance and XXXX insurance payoff and correctly apply my payments to my active loan. I respectfully request that Ally immediately : Properly close the original loan account that was paid in full by my insurance and XXXX insurance. Correct the payment application on my current loan. Remove all inaccurate delinquency reporting from my credit reports. Cease all collection calls and collection activity related to the paid-off account. Provide written confirmation that these issues have been corrected. This ongoing situation has caused unnecessary stress, damage to my credit, and repeated inconvenience despite my consistent, timely payments. I request that this matter be investigated and resolved as soon as possible.

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 2026-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XXXX XXXX I went to purchase a vehicle to XXXX. I had my own financing through XXXX. The car lot initiated a contract with Ally Finance without my consent. I called Ally Financial repeatedly before the transaction was finalized on a recorded line and told them that I did not want them to fund my vehicle and that I was going to be using XXXX. I even sent the dealership a check from XXXX and both were accepted. They still proceeded to fund the vehicle.

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 2026-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
I am filing a followup complaint regarding Truist Bank and referencing my previous CFPB complaint number [ XXXX ]. Truist mailed me a letter about the dispute on my account, but the letter contained no investigation findings, no timestamps, and no documentation. When I requested the investigation details, Truist stated they would not provide any information unless I obtained a subpoena. This violates Regulation E, which requires banks to provide a written explanation of their investigation and the documents relied upon when denying or reversing a provisional credit. I am requesting that Truist provide the following : A full written explanation of their investigation findings Exact timestamps ( not just dates ) for : the merchant refund initiation the merchant refund completion the provisional credit posting the provisional credit reversal Documentation showing the order of events used to make their decision A reprint of the original letter with complete findings included Many banks can see pending merchant refunds before customers can, including authorization reversals, pending credits, and merchantinitiated refunds. I am asking Truist to explain how they did not know the merchant refund was already processing on the same day. As a customer, this situation appears misleading and creates the impression that the bank is withholding information or acting unfairly. I am also requesting that Truist keep my account open during this investigation. Truist has stated that the account will close and be charged off on or around XX/XX/year>, which would result in : a {$120.00} chargeoff balance, an additional {$30.00} account closure fee, negative reporting, and longterm financial harm. It is not fair or appropriate for Truist to close the account, charge it off, or apply the {$30.00} closure fee while I am actively disputing the matter and requesting documentation. Closing the account during an open investigation would cause unnecessary financial harm and inaccurate reporting. If Truist can prove with documentation including exact timestamps that the refund timing was 100 % my fault and that they had no knowledge whatsoever of the merchant refund at the time they issued the provisional credit, I will pay the {$120.00} balance owed. However, I am requesting that the account remain open until the investigation concludes so that I can resolve the balance without being charged off or penalized. Truists refusal to provide investigation findings unless subpoenaed, combined with their lack of transparency, has prevented me from understanding the sequence of events and verifying whether their reversal was appropriate. I am requesting CFPB intervention to ensure Truist complies with federal law and provides the documentation and explanation they are legally required to give.

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 2026-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
For the past XXXX business days, I have been attempting to obtain my payoff letter from Ally. Despite my repeated calls, I have been transferred to a manager, who has assured me that I will receive a call back by the end of the business day. However, I have not yet received any response. I am deeply frustrated by this situation, as I am unable to obtain my payoff letter. Ally has repeatedly claimed that their system is down, but this is clearly not the case. As a {$14.00} XXXX company, it is highly unlikely that their system has been down for over XXXX days. I believe that Ally is intentionally delaying my request and preventing me from obtaining my payoff letter. I am compelled to provide this information to you in order to bring this matter to Allys attention, as I am certain that I am not the only customer experiencing this issue.

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