vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I am submitting this complaint because TransUnion has repeatedly failed to properly investigate and respond to my disputes, making this now my fourth complaint regarding multiple inaccurate items on my credit report. I am not claiming identity theft, nor am I working with a third party. Despite this, TransUnion continues to close my complaints without addressing the factual inaccuracies or providing documentation to verify any negative reporting. 
I have serious questions regarding TransUnions history of data breaches and whether my information may have been compromised during these events. Have I been a victim of any of the multiple TransUnion data breaches that have occurred over the years? 
TransUnion has reported numerous late payments, charge-offs, collections, repossessions, and inquiries that are discrepant across all three credit bureaus and are unsupported by any verifiable documentation. Under FCRA 1681i ( a ), TransUnion is required to conduct a reasonable reinvestigation of disputed information. Under FCRA 1681e ( b ), all furnished information must be accurate, complete, and verifiable. Per Metro 2 compliance, all reported tradelines must reflect internally consistent and accurate payment histories. Additionally, FDCPA standards require that debt reporting be fair and not misleading. 
I am now demanding the immediate removal of all negative information that can not be verified with proper documentation, including bank statements, account histories, and payment confirmations. The repeated failure to investigate or correct these inaccuracies constitutes a violation of the FCRA, Metro 2 standards, and FDCPA regulations. The 30-day investigation period has long passed, and TransUnions repeated stall tactics are unacceptable. 
If this matter is not corrected immediately, I am prepared to pursue legal action to enforce my rights and hold TransUnion accountable for willful noncompliance with federal consumer reporting laws.

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I made an additional payment on my credit card using the Citi app. Citi reported the payment as " returned - account closed '' and charged me a {$30.00} fee. I contacted my bank, who stated that they did not receive a request for payment on any of my accounts, and that my accounts are open. I reported this information to Citi and requested a refund of the fee. The representative stated I would have to call back the following month, because their system allowed him to see the fee, but would not allow him to credit it because the billing statement had not yet closed. So I called back as instructed, and the agent said they would not refund the fee, even though my bank had stated they did not receive the request for payment. I asked for a courtesy waiver of the fee, and Citi declined my request. Further, they posted two interest charges to my account ( {$170.00} and {$4.00} ) related to the same issue. The agent explained that their system reduced my automatic payment by the amount of the {$10000.00} rejected payment, so did not process the full statement balance payment as it has always been ( and the website says they will do ). I requested a waiver of the interest, and the agent said that their system would not allow them to process a courtesy adjustment of the interest. In summary, Citi has charged me {$200.00} in erroneous interest and fees due to a " returned payment '' that was never actually requested from my bank.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I returned an item I bought with my lowes credit card on XX/XX/year>. The return of the item was a total of {$150.00}. After the return of the item my account balance was XXXX as I had paid off the card of all charges and was at a XXXX balance prior to returning. I requested the bank to then issue me a check for that amount and close my account. I wanted to close my account because when I initiated my Lowes Synchrony account my mailbox was broken into and the card was stolen. This lead to multiple fraud charges that have since been proven and the suspect was arrested with my Lowes card in their possession. Being that I didnt have my Lowes card I was using the temporary barcode that was sent via email to purchase items. At the time of XX/XX/year> that barcode had expired and I did not have in possession a Lowes card. As stated already I had paid 100 % of what I bought on this account off prior to entering the store with my return. I spoke with upwards of 12 people since due to my account suddenly owing XXXX. I have spent several hours of my time explaining how this is impossible and demanding an investigation to be done on this. I have also had several supervisors admit to me on a recorded line that no I do not owe this money and that it would be removed from my account as it was an issue that had happened in the store XX/XX/year>. Something had happened that the return was later charged back onto the card and being that I was sent the refund check for that amount XX/XX/year> their system flagged it as now I owed this amount. Since then I have had the amount removed for a short period of time but it seems to always return. I want this to end and I want to never hear from Synchrony again. I have already boycotted Lowes due to 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
Consumer complaint received 2025-12-23 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: 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 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 seven 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 2025-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hunter Warfield is trying to collect on a debt not owed and continues to harass by mail and phone. The account they are trying to collect on is tied to a dismissed case in which the legal representative asked a county court judge to dismiss. Furthermore, there is a federal lawsuit against the original creditor regarding the account because this was dismissed by the county court judge as the evidence showed the illegal possession by the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
CFPB Complaint Affirm , Inc . 
Consumer : XXXX XXXX XXXX ID : XXXX ( XXXX XXXX : XXXX ) State : New Jersey Complaint Narrative I am filing this complaint against Affirm, Inc. for unfair loan servicing and consumer harm following a merchant failure. I entered into a valid installment loan with Affirm for an XXXX purchase ( a bicycle ). I actively performed under the loan and made multiple payments. Due to a merchant failure, XXXX issued a full adjustment on XX/XX/scrub> XXXX XXXX Affirm has confirmed that the loan balance is now XXXX and that payments will be refunded. However, Affirm has refused to restore my ability to complete or replace the original purchase, stating that purchasing power is not guaranteed after a refund. This outcome leaves me financially worse off solely due to a merchant failure, despite full compliance with my loan obligations. Affirms post-adjustment servicing practices deny me the benefit of the financed transaction and constitute an unfair consumer outcome. I am requesting CFPB review and intervention to require Affirm to provide corrective accommodation, written justification of its policies, and assurance that consumers are not harmed when a merchant fails. 
Requested Resolution Written explanation and policy justification Corrective accommodation or alternative remedy Confirmation of no adverse reporting or penalties

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: WA

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
" Please see the attached documentation. I am filing this complaint due to noncompliance with federal law. My consumer report contains inaccurate and unverified late payment reporting, as well as other disputed items, which were previously challenged and not properly investigated or validated. The continued reporting reflects a failure to ensure maximum possible accuracy as required by law. 
"

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 2025-12-23 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: EQUIFAX, INC.
State: DC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally dispute unauthorized hard inquiries appearing on my Equifax credit report. I am a victim of identity theft and have already filed an official FTC Identity Theft Report, which is attached to this complaint. 

Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights to dispute and demand removal of these inquiries. 

Basis of Dispute The hard inquiries listed on my credit report were not authorized by me, nor were they made with my written or permissible consent. As such, they violate the following provisions of the FCRA : 15 U.S.C. 604 ( Permissible Purposes ) No permissible purpose exists for these inquiries. 

15 U.S.C. 611 ( a ) I dispute the completeness and accuracy of these entries.

15 U.S.C. 605B As a victim of identity theft, I am entitled to expedited blocking and removal of information resulting from identity theft.

Because an FTC Identity Theft Report has been filed and provided, these inquiries must be blocked and removed immediately unless the furnisher can provide verifiable proof that I personally authorized them. 

Requested Action I am formally requesting that : All unauthorized hard inquiries be permanently removed from my credit report. 

Equifax and the furnishers cease reporting any information related to these unauthorized inquiries. 

Written confirmation be provided showing the deletions have been completed. 

If these inquiries are not removed, I request that Equifax provide : Documentary proof of authorization bearing my signature, and The specific permissible purpose relied upon under FCRA 604. 

Failure to comply may constitute continued violations of federal law. 

Thank you for your prompt attention to this matter. I expect resolution within the timeframes required by the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In XX/XX/year>, I obtained a mortgage loan that has been serviced by NewRez/SMS/Caliber. The original loan amount was approximately {$560000.00}. My credit report currently shows two tradelines associated with this mortgage reporting conflicting information. 
The first account shows " Late 30 Days '' with a current balance of {$540000.00} and is listed as " Open. '' The second account shows " Late 120 Days '' with a {$0.00} balance and is listed as " Transferred. '' These late payment notations are inaccurate and appear to be the result of servicer error during loan transfer or servicing transition. The same underlying mortgage is being reported under multiple account numbers with conflicting payment statuses, which violates FCRA accuracy requirements and RESPA servicing transfer rules. 
I have disputed these late payment notations and requested verification including : the specific payment due dates allegedly missed, proof that proper payment application procedures were followed, documentation that RESPA-required notices were sent prior to reporting derogatory information, and evidence that payments were not misapplied during the servicing transfer. 
To date, no adequate verification has been provided. These inaccurate late payment notations on my mortgage are severely damaging my credit score and my ability to refinance or obtain favorable terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Scammers texted me pretending to be Bank of America telling me there was unauthorized charges with XXXX and XXXX XXXX using my debit card/account. When i said it wasnt me they said they put a hold on my account and called immediately. To refund the XXXX charges they said they needed to reverse them and had me transfer money over to them under my name by a different number. They also tried to XXXX me to speak with a manager. They also told me my identity was being stolen and someone went into the branch to take money out of my account. Bank of America filed a claim but said its likely i wont get my money back.

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 2025-12-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 611, please investigate this account and remove it if it can not be fully verified. Ive included my ID, proof of address, and a copy of my report. 

Please send me the results when the investigation is complete.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
i recieved a letter in the mail from citizens bank that on the XXXX XXXX. XXXX bank accounts of mine one personal and one joint account would be terminated. today is the XXXXXXXX XXXX XXXXXXXX and my account had been closed since this morning. i cant transfer or use my card. they told me to wait for a check.the paper states the XXXX not the XXXX. i called and they said im sorry we closed the account there nothing we can do. you have to wait for a check. so when they sent me the letter i went to my XXXX ma branch and sat down with the manger who told me that they closed my account for making suspious deposits from may-sept. i havent made any deposits over the legal limit. so i didnt break any laws. why was my account closed? the money came from my insurance claim on my home. i had an XXXX insurance claim. i guess you cant cash and pay your contractors without being suspicious. ive been with citizen bank for roughly XXXX. this was all told to the XXXX would relyed the message from his computer. i was in the office while he was chatting with them. the phone call i just had aroun XXXX today XX/XX/year>. the customer service rep confirmed my accounts are closed and i dont exist. she also stated that they closed my personal account for inactivity. that a lie.i pay all my personal bills with that card. looking forward to hearing from you thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-23 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Branch Messenger, Inc.
State: CA

Complaint narrative:
have contacted branch bank about a refund that XXXX have sent over when I mistakenly filed a dispute on XX/XX/2025. XXXX told me that they refunded the money or the bank took the money back on XX/XX/2025 in the XXXX ending XXXX XXXX which was reported stolen And since then the bank claims that nothing was sent to them and that they can not help me out with this I am getting nowhere and trying to find my {$1500.00} from both companies ( XXXX XXXX XXXX XXXX XXXXXXXX told me that their processing time for refund is three days which has been exceeded. The bank is now telling me that 14 days is when the money will be in my account which has been exceeded and still nothing has come into my new account. After this on XX/XX/XXXX I received an email stating that they have sent the money to t mobile and upon calling XXXX on XX/XX/XXXX I have confirmed it was and on XX/XX/XXXX I went to the XXXX store and they have told me that the money was bounced back to the bank and now the bank nor XXXX knows where my money is

Company response to consumer: Closed with explanation