vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-03 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2026-06-03 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) XXXX $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I over drafted my TD Bank account. This is a Sunday, which falls into their weekend Grace Period policy- which means the account must be brought positive by Tuesday at XXXX. I deposited XXXX dollars at a local branch which brought my account positive {$12.00}. I was still charged an overdraft fee Wednesday morning which brought my account to exactly XXXX which is the exact amount of their overdraft fee for three transactions. I called customer service and they refused to refund me, and also stated the overdraft fee was for items that were posted XX/XX/XXXX ( obviously ). I stated I deposited enough money the previous business day to bring it back into a positive standing, but I received the run around that my cash deposit was still 'pending " even though it states on their website that all cash deposits are INSTANT. This was their excuse as to why they were able to charge me the overdraft fee, even though I have ALWAYS deposited enough money to cover it by the next business day. The associate on the phone could not give me a proper explanation as to WHY, just 'that 's the way the transactions posted. ' This falls under deception. TDBank is knowingly charging overdrafts when the account is in the positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Company : CareCredit / Synchrony Bank Issue : Billing error, improper late fees, and wrongful collections Your Name : XXXX ______ Location : XXXX, TN What happened I opened a CareCredit account, but for the first few months I never received any billing statements. I later discovered that the bills were being mailed to the wrong address because another house on the corner of XXXX XXXX and XXXX has the same house number as mine. The statements were being misdelivered to that location instead of my home. Because I never received the bills, I had no way to know a payment was due. What I did to fix it As soon as I learned what happened, I called CareCredit/Synchrony Bank and explained the situation. I told them the bills were going to the wrong address and that I had not received any statements. I offered to pay the original balance immediately if they would remove the late fees caused by their mailing error. They refused. What the company did Instead of correcting the billing error, Synchrony : Refused to remove the late fees Refused to acknowledge the misdirected mail Reported the account as late Sent the account to a collection agency This happened even though the nonpayment was caused by their failure to send the bills to the correct address. Why this is a violation This situation is a billing error under the Fair Credit Billing Act ( FCBA ). I did not receive the statements, and the creditor failed to send them to the correct address. Synchrony Bank also violated my rights by : Refusing to correct the error Charging late fees for bills I never received Sending the account to collections despite being notified of the mistake What I want the CFPB to help with I am requesting : Removal of all late fees and penalties Correction of any negative credit reporting Recall of the account from collections Written confirmation that the account is restored to good standing Assurance that future statements are sent to the correct address I am simply asking for the account to be corrected to reflect the fact that I never received the bills due to the creditors mailing error. If you want, I can also prepare : A billing error dispute letter to Synchrony A credit bureau dispute for XXXX, XXXX, and XXXX A followup letter to the collection agency after you file the CFPB complaint Just tell me what you want next, and Ill get it ready for 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 explanation
Consumer complaint received 2026-06-03 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: Rocket Mortgage, LLC
State: MD

Complaint narrative:
A foreclosure sale is currently scheduled for XX/XX/year>. A short sale offer that meets both FHA and Rocket Mortgage requirements was submitted through Rocket Mortgage 's short sale platform, XXXX, on XX/XX/year>. Despite the offer being under review for several weeks, there has been virtually no movement on the file. Since the offer was submitted, we have escalated the matter twice and have repeatedly attempted to obtain a status update. Each time, we have been told that all communication and processing must occur through XXXX. Unfortunately, no meaningful action has been taken on the file despite the impending foreclosure sale date. Based on FHA guidelines and Rocket Mortgage 's short sale requirements, the submitted offer meets the necessary criteria for review. Given the XX/XX/XXXX foreclosure date, the file should have already been reviewed and the foreclosure postponement request addressed. Instead, the file appears to have stalled entirely. Since Rocket Mortgage 's merger with XXXX XXXX, we have experienced significant delays across numerous short sale files, and it appears that this file has been negatively impacted as well. The lack of action is placing the homeowner at unnecessary risk of foreclosure despite a qualified offer having been submitted well in advance of the sale date. We are requesting immediate intervention to ensure that the foreclosure sale is postponed and that the short sale offer receives the review it should have already been given. Time is of the essence, and without prompt action, the borrower may lose the opportunity to avoid foreclosure due solely to servicing delays and a lack of file review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Americas Car-Mart, Inc.
State: GA

Complaint narrative:
At the moment of repossession of this specific vehicle, I was actively inside the vehicle and towed away in the car. I sent videos and called the sales person that sold me the vehicle and told them that I was actively in the car while being towed in Texas, that is kidnapping. XXXX XXXX withheld the tow companies information along with the tower from XXXX XXXX and XXXX XXXX until after the statue of limitations were up so that I could not make a civil matter to retrieve my personal property and or rights for being kidnapped while in the vehicle When I made a police report, they lied to the police and told him that the vehicle wasnt stolen although they had kidnapped me while I was in the vehicle. Which means they made a false report to the police because in Texas towing someone while in a vehicle is looked at as kidnapping. This is a breach of contract and bailment The vehicle has been sold along with XXXX XXXX a XXXX $ camera some games and a couple of high profiles hoodies and jackets

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting this formal complaint regarding multiple XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX accounts appearing on my credit reports maintained by Experian , Equifax, and TransUnion. Upon review, I have identified inconsistencies, inaccuracies, and potentially unverifiable information concerning account balances, open dates, last activity dates, and reported delinquencies. Specifically, several accounts show extensive late payments, some of which appear to be duplicated across reporting agencies or tied incorrectly to my credit files, raising concerns about the accuracy, completeness, and proper association of this data with my identity. The accounts in question include, but are not limited to, XXXX XXXX account ending in XXXX with a reported balance of {$25000.00}, XXXX XXXX account ending in XXXX with a reported balance of {$26000.00}, and XXXX XXXX account reported with a balance of {$390.00}, opened on XX/XX/XXXX or XX/XX/XXXX, showing repeated late payments of 30, 60, 90, 120, and 150 days spanning XX/XX/XXXX through XX/XX/XXXX. Additionally, XXXX XXXX XXXX XXXX account ending XXXX is reported with a balance of {$26000.00} and appears to be tied to other XXXX accounts, potentially resulting in duplicative or conflated reporting. These discrepancies necessitate a full verification of each accounts payment history, open and last activity dates, and the legitimacy of reported delinquencies. These reporting issues appear to violate the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy ; 15 U.S.C. 1681i, which mandates reasonable reinvestigation of disputed information upon notice of dispute ; and 15 U.S.C. 1681s-2, which obligates furnishers to provide accurate and complete information and to correct any inaccuracies once identified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 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: OH

Complaint narrative:
I am submitting this formal complaint regarding multiple XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX accounts appearing on my credit reports maintained by Experian , Equifax, and TransUnion. Upon review, I have identified inconsistencies, inaccuracies, and potentially unverifiable information concerning account balances, open dates, last activity dates, and reported delinquencies. Specifically, several accounts show extensive late payments, some of which appear to be duplicated across reporting agencies or tied incorrectly to my credit files, raising concerns about the accuracy, completeness, and proper association of this data with my identity. The accounts in question include, but are not limited to, XXXX XXXX account ending in XXXX with a reported balance of {$25000.00}, XXXX XXXX account ending in XXXX with a reported balance of {$26000.00}, and XXXX XXXX account reported with a balance of {$390.00}, opened on XX/XX/XXXX or XX/XX/XXXX, showing repeated late payments of 30, 60, 90, 120, and 150 days spanning XX/XX/XXXX through XX/XX/XXXX. Additionally, XXXX XXXX XXXX XXXX account ending XXXX is reported with a balance of {$26000.00} and appears to be tied to other XXXX accounts, potentially resulting in duplicative or conflated reporting. These discrepancies necessitate a full verification of each accounts payment history, open and last activity dates, and the legitimacy of reported delinquencies. These reporting issues appear to violate the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy ; 15 U.S.C. 1681i, which mandates reasonable reinvestigation of disputed information upon notice of dispute ; and 15 U.S.C. 1681s-2, which obligates furnishers to provide accurate and complete information and to correct any inaccuracies once identified.

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 2026-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
PennyMac has refused to offer any forbearance plan stating the investor isnt willing to offer any assistance. Ive tried to ask for help and they are not willing to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: FL

Complaint narrative:
This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused XXXX injury and investigation of character nearby something like 30 days of no reaction. Please Remove/ Deleted the following Items. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2026-06-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had my card stolen electronically for the XXXX time since joining this bank. They told me Id have to pay {$30.00} for a new debit card after the fraud and I said absolutely not I do not authorize that charge do not charge me {$30.00} and they said they sent it free of charge. I woke up to a {$30.00} unauthorized fee for the card being sent. I called 2 times this morning and was hung up on by a manager.

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 2026-06-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/XXXX, I purchased building materials from XXXX XXXX in the amount of {$5800.00} using my Bank of America debit card. The payment was successfully processed and the funds were withdrawn from my account. On XX/XX/XXXX, the merchant posted the transaction. However, the building materials were never delivered to me and I never received the goods I paid for. I contacted Bank of America to dispute the transaction because the merchandise was not received. I also attempted to resolve the issue related to non-delivery of the materials. Despite this, I have not received either the building materials or reimbursement of the funds. As of today, I am still out {$5800.00} and have not received the goods that were purchased or a refund for the transaction. I am requesting that Bank of America reimburse the full amount of {$5800.00} for merchandise not received.

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 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which is prohibited. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didnt follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation