vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: IN

Complaint narrative:
First Digital Card. I asked for a cease and desist to call my work at XXXX on XX/XX/year> due to my family lost our home in floods in XX/XX/year>. I have all my accounts working through a debt consolidation to get back on my feet. First Digital email me to confirm that I asked for a cease and desist. Yet they are still calling my employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX XXXX, acting on behalf of Bank of America, N.A., in connection with an alleged debt. 

On or about XX/XX/year>, I received a Stipulation of Settlement and related correspondence from XXXX XXXX XXXX XXXX XXXX. The documents state that I allegedly owe {$16000.00} and propose that I pay the creditor {$100.00} on XX/XX/year>, {$100.00} on XX/XX/year>, and {$100.00} on the XXXX of each subsequent month until the balance is paid in full. The stipulation also contains waiver provisions that would force me to give up defenses, including protections under state and federal law. 

The problem is that I am on Social Security, and as the documents themselves acknowledge ( in compliance with New York regulations ), Social Security income and other protected sources can not be garnished or taken to pay a debt. I have been paying this alleged debt for years using my Social Security funds, but based on these disclosures, I now understand that these funds are legally exempt. I do not wish to waive my rights, and I believe this collector is improperly pressuring me to continue payments with exempt funds. 

In XX/XX/year>, I filed a complaint with the New York State Department of Financial Services ( NYSDFS ) ( case number XXXX ) regarding this matter. I was informed that the collector never responded to NYSDFS. I was further advised by NYSDFS to contact the CFPB. 

What I need clarified and resolved : Whether, under federal and state law, I am correct that this debt is not collectible from me because I am solely on Social Security. 

Whether XXXX XXXX XXXX, XXXX  communications and stipulation violate federal consumer financial protection laws by attempting to collect from exempt income and by requiring me to waive legal protections. 

Whether Bank of America , N.A . and its counsel may continue to pursue this alleged debt given these circumstances.

I am seeking confirmation from the CFPB that I should not be paying this debt with my Social Security benefits, and I ask that CFPB require the company to cease further collection efforts and correct their practices. It is bad enough that I have already been paying for years from exempt Social Security funds, and I need assurance that this will not continue.

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 2025-09-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: SC

Complaint narrative:
there was a invalid charge take from the card from temu. contacted direct express and was on hold 2 seperate times total over 2 hours.

got ahold of person and they cancelled the card. claim # XXXX. 
the next day the funds were put back by XXXX and a email stated your order has been refunded due to unusual payment activity po XXXX. 
SEE THIS EMAIL ATTACHED i checked and the money showed online for the direct express. 
however awaiting the new card to come. 
a few days later i see emails from XXXX that they did ship orders and looked at XXXX XXXX and the funds were gone again. 
how did that happen if the card was cancelled.? 
please fix this issue and revert the funds of XXXX transaction XXXX. 
i did try to contact XXXX XXXX again and can not get thru to talk to anyone. this is a major setback

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-12 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: NC

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 2025-09-12 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.c

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 2025-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I am submitting this complaint due to fraudulent auto loans that were opened in my name without my knowledge or consent, and the subsequent lack of action or communication from the financial institutions involved. On XX/XX/year>, I contacted wells fargo Financial after discovering a repossession reported under my name. I requested documentation regarding the alleged auto loan, which totals approximately {$51000.00}. I made clear that I did not authorize the use of my identity or Social Security Number for any such loan the amount of {$51000.00} with Wells Fargo. Despite repeated attempts to contact institution and request information or resolution, I have received no substantial updates or evidence of investigation. The account continues to appear on my credit report and are affecting my financial standing. I filed a police report for identity theft on XX/XX/year>, and have taken all appropriate steps to report this crime to the Federal Trade Commission. Additionally, I have not applied for a new vehicle in over seven years, nor have I attempted to obtain any auto financing until very recently, further confirming that these accounts are unauthorized and fraudulent.

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 2025-09-12 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: Experian Information Solutions Inc.
State: NC

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 2025-09-12 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX. I transferred {$1200.00} into a account of my son 's and I didn't know that he didn't have access to that account I instantly requested the money back and I continue to do that for at least 2 weeks and they did not help they told me to create a new email and a new cash app account so that they can try to reverse it that way they still couldn't do anything he has no access to the account he does not remember any of the information to the account we have tried several ways of trying to get into the account to reverse the payment they send me to a supervisor which told me through email that my money will be reversed back to me after 14 days which it has not been reversed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: United Shore Financial Services, LLC
State: OH

Complaint narrative:
My mortgage company ; ( United Wholesale Mortgage ) has been very deceptive and not trying to work with me to save my home from foreclosure. I contacted my mortgage company XX/XX/XXXXXXXX  when my mortgage was only one month behind and advise them that I was dealing with financial hardship due to medical issues and have been unable to work for medical reasons. My only income is my pension and now I'm drawing my Social Security. My mortgage company informed me that my mortgage needs to be 60 days behind in order for them to proceed with a mortgage hardship. After two months passed I contacted them again but my mortgage company still would not work with me and stated my mortgage needed to be 60 days behind for me to request a mortgage hardship loan modification. 
At three months I contacted them once more and they proceeded to start the process for a hardship loan modification. This was done XX/XX/XXXX. When I received the loan modification offer it was far more money and would have posed and even bigger hardship upon me because their mortgage rate offer was 7.25 % for a modification. And my monthly payment would be {$4000.00}. This offer was a nightmare and would not have helped me one bit because they actually increased my mortgage payment by {$200.00}. And my currently is 6.25 % so increasing my APR rate to 7.25 % is hurting me even more. 
My mortgage was then transferred to another United wholesale mortgage location in New Jersey. I filed again with the new mortgage company XX/XX/XXXX .. mind you that each one of these loan modification offers takes 30 days to complete which pushes my mortgage even deeper in the hole. 
I contacted the mortgage company again on XX/XX/XXXX concerning the mortgage modification hardship status and was told I would be receiving a new offer on XX/XX/XXXX. I was briefly given some details of the new offer over the phone which is a greater hardship again. With a higher rate and a higher mortgage payment. This mortgage company is not trying to work with me but instead is trying to seize my home. 
I then receive a call from a VA representative ; ( XXXX XXXX ) on XX/XX/XXXXXXXX Stating to me that she received a phone call from XXXX mortgage company stating that my loan was in foreclosure!?? 
I advised her that I had no knowledge of this mortgage company that she stated to me and that my mortgage company is United wholesale mortgage. She advised me to call the new mortgage company to find out what exactly is going on with my mortgage because they're looking to foreclose. I contacted this new mortgage company I was told that they are a third-party vendor that works with United wholesale mortgage. I feel as though this mortgage company is not trying to work with me but instead take my home after all of my efforts to try and save my Home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: OH

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  ] Account Number : [ 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 2025-09-12 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: IL

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
On XX/XX/year>XXXX XXXX XXXX XXXX  mailed me a notice that my account relationship was terminated, effective immediately. This came while I have multiple open complaints under review by the CFPB concerning the banks refusal to comply with Regulation E. 

This closure appears retaliatory. The bank has : 1. Failed to comply with Regulation E by denying my dispute without providing required transaction-level evidence or issuing provisional credit within 10 business days.

2. Used my prior dispute history as justification for denial, which is an unfair practice in itself.

3. Now, closed my account entirely while my complaints remain open with regulators, creating additional financial harm. As a result, I now have no access to my account or my balance. 

This constitutes an abusive practice under UDAAP. The bank is punishing me for exercising my rights, ignoring its legal obligations, and creating escalating consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
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