vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: MA

Complaint narrative:
Hi, This is a XXXXXXXX XXXX XXXX  The credit Card Number is XXXX. 
My card was stolen on XX/XX/year>. The thief used my card in XXXX XXXX, he also used the other cards in various places. I had filed a police report in XXXX Police Station, after two months of investigation the thiefs are caught and charged. Every other credit card company has accepted the details and have dropped those charges from my credit card except this card. 

Details are Post Date XX/XX/year> Reference Number XXXX Amount XXXX. 
The credit card company keeps on adding charges and has caused harassment. The have given me no email id where i can report this. My credit report is getting affected by this. 
Police details can be got my contacting her. 
" 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 2025-07-19 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: TN

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-07-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AL

Complaint narrative:
I received a {$200.00} and {$50.00} virtual gift card purchased on XXXXXXXX. I followed the instructions to link it to my XXXX XXXX  and it would not link. I then tried to use the card at various merchants and it continuously declined. I called the number on the website and after 3 attempts finally got a person. They told me that the card was declined due to heightened security and to just keep trying it at different merchants until it worked and give it two hours and try again. I did all of this repeatedly. Every time I tried and it failed, I called back, requesting a new card number. They told me that it was impossible to replace the card and since it was an anonymous card, it doesnt work most places. That is not disclosed. I asked to speak to a supervisor and was told that there are no supervisors. I continued to try to use the card and continued to call back. I finally got a supervisor and she was very flippant and said Well, Im not really sure what you want me to do. If you cant get it to work, its because youre flagged. I will not refund you. I am requesting my money back as these cards are advertised to be able to be used anywhere that XXXX is accepted and that is clearly not the case as I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
Absolute Resolution Investments has been given the freedom by XXXX XXXX XXXX to write fraudulent and misleading information and include it in my credit report to maliciously harass me and my credit while I ask for a thorough investigation and removal of the fraudulent account setup without my knowledge. Absolute Resolution Investments has broken the law by fraudulently writing derogatory information to XXXX XXXX XXXX  during the investigative process of my dispute subsequently changing the account from good to bad. This is illegal and I dispute this under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: PA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-19 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: PA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I signed a contract with CapitalOne, and before my payments are due they lock my account. I have called numerous times and they try to force me to pay over the phone instead of through their secured website. Today when I called they deleted my entire online account and my bill is past due tomorrow. They told me it will take 5-10 business days to get my account back. If I cant make payments online, after I signed a contract with a company that stated I can pay online, then my credit score will be drastically impacted and I will lose my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
On XX/XX/, 2025, Mr. Cooper claimed that my property insurance had expired and stated their intent to purchase force-placed insurance at a significantly higher cost than my existing policy. I immediately confirmed with my insurer, XXXX, that my policy was active and had not lapsed. The phone number provided in Mr. Coopers notice did not allow me to speak with a representative. This appears to be a deceptive practice intended to impose unnecessary fees on customers based on false information. Attached is the letter and my insurance information which clearly shows that my insurance has nearly a year left before expiring.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: LA

Complaint narrative:
I am formally disputing the inclusion of an account on my credit report that does not belong to me. Under the Fair Credit Reporting Act ( FCRA ) 602, 609, and 611, you are required to investigate and remove any account that can not be verified as accurate and truly associated with me. I am also invoking my rights under UCC 1-308, reserving all rights without prejudice. If you are unable to provide a legally binding contract bearing my signature or valid documentation proving this account belongs to me, you must delete it from all credit reporting systems immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: LA

Complaint narrative:
I am formally disputing the inclusion of an account on my credit report that does not belong to me. Under the Fair Credit Reporting Act ( FCRA ) 602, 609, and 611, you are required to investigate and remove any account that can not be verified as accurate and truly associated with me. I am also invoking my rights under UCC 1-308, reserving all rights without prejudice. If you are unable to provide a legally binding contract bearing my signature or valid documentation proving this account belongs to me, you must delete it from all credit reporting systems immediately.

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 2025-07-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX XXXX 2025, between the hours of XXXX and XXXX my phone was -without my knowledge or consent- accessed and then utilized. {$700.00} was stolen from me. I DID NOT authorize this transfer. I did not know this happened immediately. On XX/XX/year>2025 I discovered the transaction and so i opened a dispute/claim that day. I then notified the cash app customer department and my local police department. I did everything asked from my bank. I even I supplied the police report and everything immediately to the cash app dispute department.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
Mortgage is in a modification and reports missed while being held in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Fraudulent Accounts on My Credit Report Dear [ Credit Bureau Name ], I am writing to formally dispute certain accounts listed on my credit report that I believe are fraudulent. These accounts were not opened by me and are not authorized. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information in my credit report. 

The accounts I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX I have attached copies of my identification and any relevant documents that support my claim, including any reports of identity theft if applicable. I also recommend that you check with the creditors listed above for verification, as I did not authorize these accounts. 

Please investigate these fraudulent accounts and remove them from my credit report as required by law. I request that you provide me with a written confirmation of the results of your investigation within 30 days. 

Thank you for your prompt attention to this matter. If you have any questions or require further information, please do not hesitate to contact me at the phone number or email address provided above. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: American Financial Network Inc.
State: FL

Complaint narrative:
In XX/XX/year>, XXXX XXXX, the buyers loan officer in a property sale where I am the self-represented seller, interfered with the closing process. He falsely claimed I could not proceed without a broker release, despite my revoked agent relationship. On XX/XX/XXXX, I emailed him documenting misrepresentation by agents and his own unauthorized legal assertions. Instead of addressing the issues, he replied dismissively, refused further communication, and attempted to shift blame. I had requested clarification on title coordination, agent involvement, and appraisal status. The closing is scheduled for XX/XX/year>2025, and I am now unable to progress due to continued obstruction and misinformation from XXXX. His conduct has caused delays, confusion, and pressure to comply with invalid demands based on revoked agency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX  XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-07-19 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: AZ

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud accounts. 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 DEPARTMENT OF EDUCATION {$1500.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Charges filed XXXX XXXX XXXX XXXX attached, FTC, social security and ID attached for verification thank you

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud accounts. 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 DEPARTMENT OF EDUCATION {$1500.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Charges filed XXXX XXXX XXXX XXXX attached, FTC, social security and ID attached for verification thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: MS

Complaint narrative:
I recently filed a dispute with TransUnion credit bureau in regards of the Roadmaster student loan account, as I had previously informed them that I did not provide consent for anyone to use my personal information to obtain this account in my name.also explained that Im a victim of identity theft I filed a dispute requesting that this closed account be removed from my credit file, as it was subsequently verified.

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit

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 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX XXXX XXXX, were paid by XXXX transfer XXXX XXXX XXXX {$87000.00}, the bank took a commission of {$15.00} for the transaction, the money was credited to the account and is still in our account, but on XX/XX/year>, the bank blocked the account citing that the payer entered our name with an error, but the payer claims that the name was correct. When we asked the bank what the error in the name was, the bank did not respond. 
Is the bank acting correctly? 
From a strict compliance and risk management perspective, the initial hold by the bank on funds due to a name discrepancy is usually in accordance with its right and is often a necessary security measure. The bank must ensure that the funds are transferred to the rightful owner. 
However, the main problems we encountered were the following : Bank refusal to issue or return funds : This is where the bank 's actions become problematic. If the counterparty insists on the correct name and the bank refuses to release the funds to you or return them to the counterparty, they are effectively holding your money in limbo. This may be a breach of their duty to facilitate legitimate transactions and may cause unreasonable delay. 

No resolution/communication : The bank should be proactive in resolving the issue. If they simply provide the wrong name without further clarification or initiating a refund, this is not a proper resolution process. They should contact the sending bank to sort this out. 

Breach of XXXX payment instructions? 

While XXXX is itself a messaging system, the underlying banking rules and best practices dictate how banks handle situations like this. A banks refusal to pay or return funds, especially if the counterparty insists on the correct name, may be a violation of : Timely Processing : Banks are generally expected to process transactions promptly or provide clear reasons and solutions for delays. Holding funds indefinitely without a clear plan of action is not standard practice. 

Good Faith and Fair Dealing : Financial institutions have a duty to act in good faith toward their customers. Refusing to engage in the proper resolution or refund process until a clear resolution can be considered a breach of this duty. 

XXXX XXXX Banking Law : XXXX XXXX  has rules governing banking. While the specific laws that apply to a given case may require in-depth legal analysis, general consumer protection principles and principles of sound banking practice discourage holding funds indefinitely without resolution.

Company response to consumer: Closed with explanation