vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I purchased a {$100.00} Vanilla Visa Gift Card from XXXX with the intent to use it for an online purchase on XXXX. The gift card 's packaging did not state that it could not be used for online vendors. 

When I attempted to use the card on XXXX, the transaction was repeatedly declined. After speaking with XXXX 's customer support, they informed me that the card was being declined by the issuer. 

I then spent hours over several days attempting to reach Vanilla 's customer service. I was frequently put on hold with excessively loud, escalating music, which appeared to be an intentional tactic to tire me out and make me hang up. After numerous calls, a representative finally agreed to process a refund and provided me with a case number : XXXX. 

During these calls, I was given several invalid reasons for the issue, including claims that my home and mailing addresses were not valid. This was a clear attempt to avoid processing a refund. 

I was promised a refund check would be mailed to me. However, it has been over 30 days, and the check has not arrived. 

When I tried to follow up again using the customer service number on the back of the card, I was met with a pre-recorded message offering a XXXX voucher, with no option to speak to a live customer service agent. The company appears to have cut off all avenues of communication to resolve this issue. I am seeking the full {$100.00} refund I was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
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 2025-08-21 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 was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I received a letter from CITI thanking me for applying for an XXXX XXXX XXXX XXXX XXXX XXXX, but denying the application because my credit was frozen. I had frozen my credit with all three credit bureaus because of previous fraud attempts. I contacted CITI to let them know I had not applied for that card and asked them to look up the application ID ( XXXX ) to see if I could get information on who applied. They were unable to access that information and referred me to XXXX, the bureau that notified them of my frozen credit. XXXX  put a fraud alert on my frozen account. CITI was absolutely useless in resolving the issue. I would have assumed that if they had not received a denial from XXXX, they would have issued a card and sent it to an address that was not mine though with my billing address.

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 2025-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
XXXX Complaint about Select Portfolio Servicing inc-Back in XX/XX/XXXX my dad passed away we were making the mortgage payments up until XX/XX/XXXX. We tried doing an assumption and Loan modification. When I requested the application to do XXXX in my husband 's name and mine they sent me a copy of the XXXX my dad did after my mom passed away. I spoke to them after that and they told us we were not entitled to the house they said my dad sent in a letter stating that he is giving them the house to keep it and sell it.When I asked them for a copy of the letter they stated they lost it. Back in XX/XX/XXXX my son googled Lawyers to help us with the process of getting the house into my husband 's name and mine. The law firm was XXXX XXXX they said they can help us but all they did was take XXXX dollar 's from us and we didn't get the help we were told.That lawyers name was XXXX XXXX after he took all our money he left the company and never notified us. He now has a law firm in XXXX XXXX. XXXX XXXX told us to put it into bankruptcy department because SPS, XXXX XXXX and XXXX XXXX sheriff 's department was playing games with us. Another lawyer took over the problem we filed chapter XXXX everything was going good payments were made and then our tenant screwed us over by not paying the rent and the case was dismissed.We filed chapter XXXX again and that is when we started the loan modification and SPS told us we did not have to pay the chapter XXXX anymore because we were doing a loan modification and once again it was dismissed since then SPS, XXXX XXXX and XXXX XXXX XXXX 's department have been playing their games since then. My son went and googled the information on the assumption and loan modification application we printed it out filled it out sent in certified mail. The house was supposed to be auctioned off on XX/XX/XXXX but it was cancelled on XX/XX/XXXX. We received a letter from XXXX XXXX stating that it was cancelled. As of XX/XX/XXXX we have not received any paperwork to sign for the loan modification. We were also trying to get help from XXXX for the back pay. 
The letter from XXXX XXXX shows a different mortgage company that we were unaware of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. I need them to delete and block these inaccurate accounts from reflecting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: NY

Complaint narrative:
I am a victim of identity theft my information was exposed during the data XXXX  data breach I noticed an account that doesn't belong to me reporting on my credit. PLEASE see all supporting documents

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 2025-08-21 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: KY

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 2025-08-21 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: EQUIFAX, INC.
State: KY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations. 

I request to confirm this correction in writing and provide an updated copy of my credit report showing the accurate and corrected personal information. If this can not be verified the validity of these aliases and addresses with sufficient legal documentation linking them to me, then they must be removed immediately 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 explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint because my credit report with TransUnion contains multiple inaccuracies in my personal information that must be corrected immediately, as required under the Fair Credit Reporting Act ( FCRA ). Despite providing valid documentation, my file continues to show incorrect name variations and outdated or unauthorized addresses. 

Name Correction : The correct and only legal spelling of my name is XXXX XXXX XXXX XXXX. Any other name variations, misspellings, or incorrect entries must be permanently deleted. 
( Proof attached : Social Security Card ) Address Correction : The only valid address associated with me is : XXXX XXXX XXXX, XXXX, XXXX XXXX. 
Any other outdated, incorrect, or unauthorized addresses should be deleted accordingly. Some addresses listed no longer belong to me, and I simply seek for my personal information to reflect maximum accuracy. 
( Proof attached : Proof of Address ) Under the Fair Credit Reporting Act ( FCRA ), I am entitled to the maximum protection and accuracy regarding the personal information reported on my credit file. Specifically : 15 U.S.C. 1681e ( b ) : Requires that consumer reporting agencies follow reasonable procedures to assure the maximum possible accuracy of the information they report. Failure to maintain accurate records, such as listing incorrect names or outdated addresses, violates this obligation and can seriously impact a consumers financial standing.

15 U.S.C. 1681i ( a ) : Mandates that upon receiving a dispute, credit bureaus must conduct a prompt and thorough reinvestigation to verify the accuracy and completeness of the disputed information. If the information can not be verified, it must be corrected or deleted without delay. This ensures that consumers are not burdened by incorrect or unverifiable data.

15 U.S.C. 1681b : Limits the furnishing of consumer information strictly to those who have a permissible and authorized purpose. Any inclusion or reporting of unauthorized information such as outdated addresses not only compromises consumer privacy but also constitutes a breach of this federal requirement.

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 2025-08-21 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-21 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Inaccurate Late Payment Reporting Consumer Name : XXXX XXXX XXXX Credit Bureau Involved : Transunion Date of Report : XX/XX/XXXX Summary of Complaint : Transunion is inaccurately reporting late payments on my credit file that are not correct, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ). These errors are causing significant harm to my credit standing. 
Details of Inaccuracies : XXXX XXXX ( Account XXXX. XXXX ) Transunion reports a XXXX late payment in XX/XX/XXXX with a past due amount of {$830.00}. 
This is inaccurate and not supported by my actual payment history. No verifiable proof has been provided. 
XXXXXXXX XXXX XXXXXXXX. ( Account XXXX. XXXX ) Transunion reports a XXXX late payment in XX/XX/XXXX. 
This is erroneous and not reflective of my true payment status.

Violations : FCRA 611 ( a ) ( 1 ) : Failure to maintain accurate and verifiable information in consumer credit files.

FCRA 609 ( a ) ( 1 ) : Right to review and receive proper documentation of reported items.

Metro 2 Compliance Guidelines : Late payments must only be reported if accurately documented and verifiable by original creditor records.

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 2025-08-21 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Subject : Complaint Against Bank of America Mishandling of Funds Availability, Regulation CC & Reg E Violations Dear CFPB, I am filing a formal complaint against Bank of America, where I have been a customer for over XXXX  years with both personal and business accounts. 

On XX/XX/year>, I deposited a cashiers check in the amount of approximately {$99000.00} into my Bank of America account. At the time of deposit, the teller ( XXXX XXXX, XXXX XXXX ) gave me a receipt stating that the funds would be available on XX/XX/year> at XXXX AM. When I called the bank on XX/XX/XXXX, I was told by a representative that the release date was now XX/XX/XXXX at XXXX AM. On XX/XX/XXXX, the funds were still not available. 

I requested a Funds Availability Notice, which is required under Regulation CC ( 12 C.F.R. 229 ). The teller did not know what that was and instead gave me only a transaction printout. The document I received had different information than what I was told in person and by phone. This inconsistency in release dates, without proper written notice, is a clear violation of Regulation CC. 

Ultimately, my funds were released on XX/XX/year>, at XXXX PM after escalation with Bank of America associate XXXX XXXX XXXX who was professional and helpful. However, the mishandling caused me hardship, as I had critical payments due ( car note and land payoff ) and could not access my funds as promised. 

In addition, to date, those funds have not been restored. This appears to be a violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 C.F.R. 1005 ), which requires banks to promptly investigate and provide provisional credit for disputed or mishandled transactions. 

I also initiated a {$5000.00} wire transfer for which I paid a {$30.00} fee. Most wires clear in XXXX minutes, yet mine remained on hold for hours without explanation. 

I believe these practices show a pattern of delay and mishandling of customer funds. I request that CFPB investigate whether Bank of America violated Regulation CC and Regulation E in my case. 

Requested Resolution : Reimbursement of any late fees I incurred as a direct result of the banks failure to release my funds on time. 

Consideration of my request for a {$50000.00} open-end credit line or business credit card, given my XXXX history with Bank of America, the size of my accounts, and the poor treatment I received during this situation. I believe this would be a fair resolution to restore my trust and loyalty. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief