vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To whom it may concern : I have certified online documentation of the validity of my complaint. On XX/XX/XXXX, and on the next date of the letter, XX/XX/XXXX, and also on XX/XX/XXXX, a certified letter was sent to TransUnion disputing XXXX XXXX XXXX XXXX XXXX. I also googled the company and XXXX, and they don't have a positive rating as a debt collector ; a lot of reviews state scam. The debit was for a XXXX XXXX Credit Card through XXXX, which they informed all customers about XXXX week before they closed it entirely. They hired XXXX XXXX XXXX as a collection agency. The total debit was paid on XX/XX/XXXX, for XXXX. The financial loss from this error was XXXX from XXXX XXXX XXXX XXXX XXXX, here, XXXX XXXX XXXX, where I have documentation from her with denial due to collections on my 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 2026-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am filing this complaint because Citibank has repeatedly denied my billing dispute without properly considering the evidence I provided. On XX/XX/2026, I attempted to purchase airline tickets through XXXX. The transaction was unsuccessful. No booking was created, no airline ticket was issued, and I never received any travel services. I contacted XXXX, and after reviewing their records, they confirmed in writing that : * No booking was created. * The payment was not processed by XXXX. * There is no reservation associated with my email address. * If money was deducted from my account, I should contact my bank because XXXX did not receive the payment. I submitted this written confirmation to Citibank as evidence. Despite this, Citibank continues to hold me responsible for a charge of approximately {$600.00}. I respectfully request that Citibank explain : XXXX. How they determined that the charge is valid when the merchant confirms that no booking exists and no payment was processed. XXXX. What evidence they relied upon to deny my dispute. XXXX. Why I am required to pay for services that were never provided. I believe Citibank failed to conduct a reasonable investigation as required under the XXXX Credit Billing Act. Requested Resolution : * XXXX the disputed charge. * Remove all related interest and fees. * Correct my account balance. * Provide me with copies of the evidence used to deny my dispute. I have attached the email from XXXX confirming that no booking was created and that the payment was not processed by them. Thank you for your assistance. 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 explanation
Consumer complaint received 2026-07-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is regarding Sears Home Improvement card. My AC broke and Sears replaced it. The broken AC was under warranty and AC manufacturer said they will pay the replacement but they will pay directly to vendor. In my case it was Sears. I have informed Sears and Sears never obliged to follow and get the check from Carrier AC. I can't pay because Sears didn't do as expected by them. Very poor customer service by Sears. Hours on call and no one followed and tried to get the check.

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 2026-07-07 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: NY

Complaint narrative:
I am submitting this complaint regarding multiple issues with my account ( s ) with this company. Over a period of time, I have identified several discrepancies, including unauthorized or incorrect charges, billing errors, and/or inaccurate account information. I have made multiple attempts to resolve these issues directly with the company, but the responses have been insufficient, delayed, or have failed to address the problems. In some cases, the issues remain unresolved despite repeated follow-ups. These ongoing problems have caused financial impact and significant inconvenience. I am concerned about the accuracy of my account and the companys handling of my disputes.

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: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-06 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: FL

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : Accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XXXX - XXXX XX/XX/XXXX {$950.00} XXXX XXXX XXXX - XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX - XXXX XX/XX/XXXX {$1100.00} XXXX XXXX - XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XXXX - XXXX XX/XX/XXXX {$45000.00} XXXX XXXXXXXX XXXX XXXX - XXXX XX/XX/XXXX {$3000.00} COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5700.00} PERSONAL INFO XXXX XXXX XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL 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 non-monetary relief
Consumer complaint received 2026-07-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing this complaint against TransUnion regarding a dispute I submitted that was handled with gross negligence. On XX/XX/year>, I noticed on my credit monitoring that a fraudulent collections account had been placed on my report. It is from XXXX XXXX XXXX ( XXXX ) in the amount of {$3900.00}. The original creditor is listed as XXXX on the XXXX XXXX XXXX XXXX, Georgia. I am a victim of XXXX XXXX. I have never lived at this apartment, I have never signed a lease there, and this debt is entirely fraudulent. I immediately submitted a dispute to TransUnion. They have since closed the investigation and issued their results, stating that the account was " VERIFIED AS ACCURATE. '' Not only did they blindly take the word of the debt collector without proper verification, but TransUnion 's investigation results state that they actively updated the " ADDRESS INFORMATION '' on my credit file to link my identity to this fraudulent Georgia address. TransUnion failed to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). They are continuing to report a damaging, fraudulent {$3900.00} collection on my report and have actively corrupted my personal file by attaching a fraudulent address to my identity. I have attached my official FTC Identity Theft Report. I demand that TransUnion immediately delete this collection account in its entirety and completely remove the fraudulent Georgia address from my personal profile.

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: 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: AZ

Complaint narrative:
I am submitting this complaint because my credit report contains inquiries that I did not authorize or initiate. I do not recognize these companies, never applied for credit with them, and did not give anyone permission to access my credit file. As a result, these unauthorized inquiries have unfairly impacted my credit score and raised serious concerns about the misuse of my personal information. I previously contacted the credit bureau regarding this issue, and a representative advised me that these fraudulent inquiries would be removed. Despite those assurances, they continue to appear on my credit report, causing unnecessary stress and affecting my financial opportunities.

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: 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: TX

Complaint narrative:
I am contacting you to dispute a hard inquiry on my credit report that I believe 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 2026-07-06 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: NC

Complaint narrative:
I discovered multiple inaccurate and inconsistent items on my credit reports that I believe are being reported in violation of the Fair Credit Reporting Act ( FCRA ). The accounts contain conflicting information among Experian, Equifax, and TransUnion, including differences in payment history, account status, and dates. Some hard inquiries also appear on my reports without a permissible purpose or authorization. I disputed these items and requested a reasonable investigation, correction or deletion of any information that could not be verified, and removal of obsolete addresses from my credit file. I also requested the method of verification ( MOV ), including the documents and procedures used to verify the disputed information if the companies claim it is accurate. Despite my dispute, the inaccurate and inconsistent information continues to appear on my credit reports. This inaccurate reporting is negatively affecting my credit score and my ability to obtain credit on fair terms. I am requesting that the company comply with its obligations under the Fair Credit Reporting Act by conducting a reasonable investigation, correcting or deleting any information that can not be verified, and removing obsolete personal information from my credit file.

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 2026-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I went to a Bank of America branch with my 17-year-old son, who is the named payee on a XXXX Treasury Social Security XXXX XXXX XXXX XXXX for {$2300.00}. We wanted to cash the Treasury check. The branch refused to cash it and instead instructed us to deposit it into my Bank of America checking account. Before the deposit was completed, the teller consulted with the branch XXXX regarding whether a hold would be placed on the deposit. After that consultation, I was specifically told that there would be no hold on the deposited funds. I relied on that representation and agreed to deposit the check rather than take it elsewhere. After the deposit was accepted, Bank of America placed a hold on the entire {$2300.00} until XX/XX/year>, preventing access to the funds. I contacted Bank of America through its secure messaging service to understand why the hold had been placed. I repeatedly asked the bank to identify the specific reason for the hold and the specific Regulation CC or other funds-availability rule or exception that authorized it. Instead of answering those questions, the representative provided only general statements that deposited checks may be subject to review and acknowledged that the branch XXXX could not have known whether a hold would be placed. My complaint is not simply that a hold was placed. My concern is that I was induced to deposit the Treasury check based on an assurance that there would be no hold, and after relying on that assurance, the bank imposed a seven-day hold without identifying the specific basis for its decision when I requested an explanation.

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: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I deposited a valid insurance settlement check for {$7000.00} into my Truist account. After holding my funds for approximately XXXX month while they conducted their review, Truist finally informed me that my funds would be released. On XX/XX/year>, I went to the Truist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to receive my funds. After waiting an entire month, the bank issued me an official Truist check with my name misspelled. Because of Truists error, I had to wait for them to void that check and issue a replacement. Once I received the corrected Truist-issued check, I asked if I could cash it at the branch. Since it was a Truist check and the funds had already been verified and released by the bank, I expected there would be no issue. Instead, I was simply told no without any explanation or reasonable justification. I then went to the Truist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hoping they could assist me. Unfortunately, the treatment I received there was even worse. The employee immediately questioned why my name appeared as both the purchaser and the payee on the check. I explained that I did not prepare the check and that Truist itself had issued it that way. She then asked which branch had issued it, and I told her it came from the XXXX XXXX. She said she would speak with her XXXX. After only a couple of minutes, she returned and, in a rude and aggressive tone, told me to take the check back to the XXXX XXXX. No explanation was provided, no attempt was made to help me, and I felt I was simply being dismissed. Throughout this entire process, I have felt that I have been treated unfairly and with hostility by Truist employees. Ever since I deposited my insurance check, I have experienced unnecessary delays, poor communication, inconsistent information, and unprofessional treatment. My valid funds were withheld for approximately a month, and when they were finally released, Truist made an error on my check, refused to cash its own official check without explanation, and treated me disrespectfully at multiple branches. I am asking the Consumer Financial Protection Bureau to investigate Truists handling of my account, the prolonged hold on my funds, the unnecessary errors made when releasing my money, the refusal to cash a verified Truist-issued check without providing any explanation, and the unprofessional and discourteous treatment I received from employees at both the XXXX and XXXX branches XXXX I believe I deserve a clear explanation for these actions and to be treated fairly and respectfully as a banking customer.

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 2026-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX at approximately XXXX to XXXX I drove up to a Bank Of America ( Drive Thru ) ATM located at XXXX XXXX, XXXX XXXX, TX XXXX. I inserted my debit card and provided my pin before selecting make deposit. The machine said to insert up to XXXX bills at once. I placed {$3000.00} dollars ( 30x $ XXXX ) into the machine and it grabbed it. The machine then displayed an error message saying something along the lines of not all bills could be accepted. I could see {$100.00} was sticking out so I pulled it back. The machine door then closed and I could hear it starting to count the money. The error message remained on the screen and then maybe a minute later said please take back your debit card. It did not print any receipt and my bank app didnt show any deposit. I tried to call and the support line but only got a robot asking questions about why I was calling. Another car was waiting in line so I drove away into a nearby parking spot as I attempted to contact support. It finally told me offices were closed and to call back during business hours. I drove back up to the atm and this time tried another deposit but for only {$200.00} ( {$100.00} x2 ) and the machine counted that and then asked how I wanted my receipt at XXXX. This transaction was successful. The original {$2900.00} deposit never ended up in my checking account. I called support the next morning and they refused to assist me and claimed that they will hold onto my money for up to two months while it is being investigated. As I write this, Bank Of America has my {$2900.00} and I am out my money because of their broken machine. I have called Bank Of America back to ask for updates and they claim it is still being investigated and can not offer any further details.

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 2026-07-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I deposited approximately {$270000.00} with Wells Fargo and met with a banker to discuss the best account options for my funds. I was advised to establish a XXXX XXXX and XXXX XXXX relationship and was told that this relationship would serve as an umbrella for my other Wells Fargo accounts. I was specifically told that maintaining this relationship would prevent fees on my linked accounts and that, after my one-year promotional 4 % interest rate ended, my savings would continue earning approximately 3 % interest. I relied on the information provided by the Wells Fargo banker when deciding how to maintain my accounts and funds with the bank. However, I later incurred fees on my joint account despite being told that my XXXX relationship would cover my accounts, and my savings account did not receive the approximately 3 % interest rate I had been told I would receive after the promotional period ended. After discovering these issues, I contacted Wells Fargo multiple times and also contacted another banker at the same branch seeking clarification and resolution. I was unable to obtain a satisfactory explanation or resolution. I then escalated my complaint to Wells Fargos Enterprise Complaints Management Office. Wells Fargo initially advised that it expected to respond by XX/XX/year>. I have now been informed that the bank needs additional time to investigate and may not respond until XX/XX/year>, with the possibility of further delay. My complaint is that I made financial decisions and maintained substantial funds at Wells Fargo based on specific representations made by a Wells Fargo employee regarding account benefits, fees, and interest rates. Those representations were not honored, I incurred financial losses as a result, and despite my repeated attempts to resolve the matter directly with Wells Fargo, I have not received a timely resolution. I am requesting that Wells Fargo review the representations made when my accounts were established, reimburse any fees that should have been waived, calculate and credit the interest I reasonably expected based on the information provided to me, and provide a clear written explanation of its findings and 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 monetary relief
Consumer complaint received 2026-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There was XXXX dollars taken from my account my Wells Fargo bank card was linked to my XXXX XXXX someone added funds to my XXXX XXXX from my bank card sent it to someone and closed my XXXX XXXX account I filed a dispute on XX/XX/year> and it was denied. All transactions started from XX/XX/year> through XX/XX/year>. And I was incarcerated from XX/XX/year> through XX/XX/year>

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