vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-16 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: GA

Complaint narrative:
I am filing this complaint against TransUnion because inaccurate late payment remarks continue to appear on my credit report despite multiple disputes submitted over several months. I previously disputed these items on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, yet no meaningful corrections have been made. The accounts involved are XXXX XXXX and XXXX XXXX XXXX, both of which are reporting late payment history that I believe is inaccurate and not properly verified. Despite repeated disputes, TransUnion has failed to correct, remove, or properly update the payment history to reflect accurate account status. Under the Fair Credit Reporting Act ( FCRA 611 ), consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information and correct or delete any information that can not be verified. In this case, TransUnion has not provided documentation or explanation showing how the late payment information was verified. This inaccurate reporting continues to negatively affect my credit profile and is causing ongoing financial XXXX and frustration. I believe TransUnion is not meeting its obligation to ensure maximum possible accuracy of the information being reported.

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 2026-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
( Ability recovery service LLC ) is reporting inaccurate and unverifiable information on my credit report. The account shows a balance of {$2200.00} and is marked as Placed for collection, last reported on XX/XX/year>. I have not received any proper validation of this alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), nor has Ability recovery service LLC. provided proof they have the legal right to collect or report this account. The continued reporting of unverifiable and inaccurate data violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ), which requires furnishers to ensure complete and accurate reporting. I am requesting that this account be fully investigated and deleted from all credit bureaus ( XXXX XXXX XXXX XXXX ) if Ability recovery service LLC. can not provide full validation, including the original signed agreement, full payment history, and proof of ownership or assignment. Please investigate this matter promptly and remove the inaccurate information to restore 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 explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.

Complaint narrative:
On XX/XX/year>, Citibank informed me that my appeal regarding my complaint would be processed and responded to within thirty days. The deadline they gave for a resolution has already passed, and I still haven't received a response.

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 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I did a transaction back in XXXX XXXX XXXX with XXXX they canceled it and failed to refund me. I contacted my bank to dispute it. I was given a provisional credit. End of XXXX they reversed the provisional credit and took almost XXXX from me. I contacted the merchant vrbo they sent me a refund ( come to find out my bank didnt really dispute anything with them ) XXXX XXXX. Ive been given a refund id etc yet my bank refuses to give me the funds

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 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I am submitting this complaint regarding serious concerns involving my bank accounts and the handling of my account security. My previous bank accounts were compromised, resulting in the unexplained loss of approximately {$3000.00}. Despite my repeated requests, the bank has failed to provide any explanation regarding where these funds went. I instructed the bank to close the compromised accounts, and I was informed that they had been closed. However, when I requested written confirmation or account closure statements, the bank refused to provide them. Subsequently, I opened two new accounts and specifically requested that online banking access be disabled due to the security concerns surrounding my previous accounts. The banker assured me that online banking had been disabled on both accounts. Nevertheless, I continue to receive notifications indicating that monthly online statements are available for these accounts. In addition, my debit card has been randomly locking and unlocking without my authorization or knowledge. These unexplained changes have further heightened my concerns regarding the security and integrity of my accounts. I have contacted the bank on multiple occasions regarding these issues, but bank representatives continue to deny that online banking access exists and have failed to provide satisfactory explanations regarding the irregular activity affecting my accounts. Given the contradictory information, the unexplained disappearance of {$3000.00}, and the ongoing unauthorized changes to my debit card status, I have serious concerns regarding possible fraud, unauthorized access, and a breach of my account security. I further suspect that the institution 's failure to adequately secure my accounts and provide accurate information may be connected to the missing funds. I request an immediate and thorough investigation into the missing funds, written confirmation of all account closures, verification of whether online banking access remains active, a complete audit of all activity associated with my accounts, and an explanation regarding the repeated unauthorized locking and unlocking of my debit card. I also request that all records, communications, and electronic access logs relating to my accounts be preserved for investigative purposes.

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 2026-06-16 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
i transferred money to my boyfriend physically while i was in the bank and it dont show on they end it or my end and my account is empty but it dont show in the transaction

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 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:
On XX/XX/XXXX, I contracted an automobile windshield replacement with XXXX auto. During installation the technician damaged my vehicle, breaking the windshield spray nozzle. I contacted XXXX, they acknowledged responsibility and asked me to submit a warranty claim. I submitted a warranty claim on XX/XX/XXXX ; and warranty order number XXXX was created. Over a 23-month period we tried to work with the local XXXX store and corporate office to resolve. When this did not result in a resolution, I contacted Citi Credit Card services to dispute the charge due to XXXX not completing the contract and subsequent repairs they caused. I filed a dispute with Citi on XX/XX/XXXX. I submitted my dispute based on XXXX not completing installation and subsequent repairs to the vehicle that they caused. Citi contacted merchant on XX/XX/XXXX and merchant replied on XX/XX/XXXX. Citi found in favor of the merchant, however when I called to ask for evidence they could only show the installation was completed and no evidence was provided by merchant related to subsequent warrant claim XXXX. They reopened the claim and ensured me they would ask for evidence from merchant related to warranty claim. I was contacted on XX/XX/XXXX, by Citi and was told once again they found in merchants favor because the 'merchant was unwilling to issue a credit. ' I contacted Citi ( after 2 hours I finally reached manager only to get hung up on with no return call ) I called back and once I finally reached someone I was told they obtained no new evidence, merchant did not address the warranty status and closed the dispute once again. I am filing this CFPB complaint due to Citi either intentionally or incompetently investigating this dispute without conducting a full due diligence. Had they performed correctly, they would have confirmed the warranty claim is still active after 6 months and XXXX is making no attempt to resolve. ( I have a separate CFPB claim against 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 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, USAA placed a full restriction on my checking account after I deposited a legitimate check for approximately {$17000.00}. The deposit hold completed, the fraud review completed, and the analyst review completed, but my account remains restricted and I can not access any of my funds. I contacted USAA multiple times, including the XXXX XXXX XXXX, to request an explanation and to ask for escalation to the appropriate internal department. I was given inconsistent and contradictory information. Representatives stated they think the check will bounce, but no return notice has been issued, no reversal has occurred, and the funds still appear in my available balance. USAA has not provided any documentation or evidence that the check is being returned. USAA refused to escalate my case to the internal department that handles account restrictions or risk reviews. I was told that no one could assist me further and that I must wait without a clear timeline. I have not been given a specific reason for the ongoing restriction, despite multiple requests. As a result, I can not access my own funds, can not use my debit card, and can not obtain a clear explanation of the restriction. I am requesting that USAA provide a clear reason for the restriction, review the case promptly, and release my funds if no legitimate return or fraud issue exists.

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 2026-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: IL

Complaint narrative:
On XX/XX/year> the company had texted my father regarding my debit disclosing amount and all personal information which is a clear violation of Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-16 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: OK

Complaint narrative:
I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify violation regarding the reinsertion of previously deleted material into my credit report. On [ Date ], I sent a letter to TransUnion notifying them of the reinsertion of XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection 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 non-monetary relief
Consumer complaint received 2026-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I.C. SYSTEM, INC has placed a collection on my credit report for a fraudulent debt they have refused to verify and validate. They have no creditable evidence this debt is mine. i have never dealt with this company or done business with them. They refuse to provide any info as the debt is fraudulent and should be removed immediately. A report of identity theft has been reported and filed as well. I will take immediate legal action if this debt is not removed from my report immediately. The have violated the fair debt collection act by refusing to provide ant relevant documents to me. I have filed complaints with the district attorney, Florida 's consumer division, and the FTC for fraud.

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 2026-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On or around XX/XX/2026, I was the victim of a spoofing and social engineering scam involving a phone call that appeared to originate from my financial institution, Navy Federal Credit Union. The caller used a phone number that appeared legitimate and impersonated a fraud department representative. During the call, I was told my account was compromised and that immediate action was required to secure my funds. I was led to believe I was speaking directly with my bank and followed instructions under that belief. I did not knowingly authorize any transfers to a third party or scammer. The actions taken were induced entirely through deception and impersonation of my financial institution. As a direct result of this scam, multiple unauthorized transfers totaling approximately {$5000.00} ( {$4000.00}, {$500.00}, and {$500.00} ) were initiated from my account through XXXX XXXX on XX/XX/2026, occurring within minutes of each other. Immediately upon discovering the fraud, I contacted Navy Federal Credit Union and reported the incident the same day. I filed a formal fraud claim and submitted supporting documentation, including transaction details and call logs. I also filed a police report with the XXXX Police Department ( Report XXXX. XXXX ). Navy Federal Credit Union issued me a new debit card and opened a new account on the same day the fraud was reported, reflecting recognition of a security compromise. I have fully complied with all requests for documentation and have cooperated throughout the investigation process. I also filed a dispute with XXXX XXXX. XXXX XXXX denied the claim and provided only a transaction summary indicating the transfers were processed as XXXX XXXX XXXX App activity. XXXX XXXX closed the case and stated no further action would be taken, without providing substantive relief or a full explanation addressing the spoofing and impersonation circumstances. I did not knowingly, voluntarily, or intentionally authorize these transactions. Any authentication or approval occurred as a direct result of a spoofed call impersonating my bank and constituted social engineering fraud. I am requesting a full investigation and reimbursement of the unauthorized funds under applicable consumer protection standards. This was not a typical unauthorized transaction but a bank impersonation scam ( social engineering fraud ) where I was manipulated into initiating transfers under false pretenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Michael Wayne Investment
State: VA

Complaint narrative:
I had several issues with this vehicle since purchase that couldn't be fixed despite repeated repairs. I notified the dealership of these repair items several times to no avail. My complaints fell on deaf ears. After over 2 years of paying for repeated issues and on-time payments, I was unable to afford the fixes on the vehicle. I made several unsuccessful attempts asking the dealership to do the right thing, but they declined saying there was " nothing they could do for me '' and that I " signed a contract ''. This car was a certified lemon from day 1 due to electrical and brake problems and sudden stalling. I purchased the vehicle in XXXX of 2020, made repairs in XXXX on 2020, reached out to the dealership in XX/XX/year>, attempted to make repairs 3 more times with 2 different shops, and continued to pay the account until I opted to voluntarily return the vehicle to them. I just got my credit pulled to purchase a home, and it was revealed to me that this account was marked as a repossession. I am writing today to tell my side as I was told if I returned the vehicle that this account would be removed from my credit. It hasn't been and now it is impacting my ability to purchase a home. This is a bait and switch scenario, not to mention unfair and deceptive from the sales standpoint.

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 2026-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: NC

Complaint narrative:
Sallie Mae makes billions of dollars from predatory loan practices targeting student borrowers with limited credit history or financial understanding. They steer borrowers into an unaffordable private loan and misrepresent the costs and outcomes. I left XXXX after my second semester and still ended up with about {$44000.00} in private Sallie Mae debt at 13.125 % interest, without a full understanding that I should have questioned whether the borrowing arrangement was fair or sustainable. Many students who transfer out of high-cost private programs find themselves with substantial debt and limited options for repayment flexibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Citibank made a duplicate payment error that overdrew my account, and their customer support team refused to investigate or escalate my issue when I called.

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