vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information appearing on my Transunion credit file. Recently, it was reported that Transunion experienced a data breach, placing millions of consumers including myself at risk of identity theft and inaccurate reporting. 
Under the Fair Credit Reporting Act ( 15 U.S.C 1681i & 1681c-2 ), I am exercising my right to dispute any information that is inaccurate, unverifiable, or the result of potential identity theft due to the data breach. 
The following accounts & hard inquiries must be investigated and removed immediately from my credit report : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Hard 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 XXXXXXXX XXXX Mortgage These accounts & Hard Inquiries are not valid, may have been the result of unauthorized access, and can not be verified given Transunion 's admitted data breach. Any continued reporting of these items after this notice will constitute willful noncompliance with the FCRA and subject Transunion to liability.

Therefore, I demand the immediate deletion of these negative accounts from my credit report within 4 business days, as allowed under federal law. Please send me written confirmation of the results of your reinvestigation.

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 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXXXXXX XXXX  demanded that I make a payment that I did not owe. Instead of returning my full payment, they only sent me a check for {$680.00} from the {$1000.00} owed to me.

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 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Home Depot charged off my account and now I can not find out who they charged it off to. The collection agency has never made an attempt to contact me and Home Depot can not find my debt. Ive been trying to resolve this account but they make it impossible to resolve it and they would rather hurt my credit.

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 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Between XX/XX/year>, and XX/XX/year>, {$12000.00} was removed from my SOFI bank account using XXXX and other withdraw means. As soon as I was made aware of this I called and spoke to their fraud team. I was told they would investigate this fraud case within 10 days and get back to me and return my money. On XX/XX/year>, at XXXX I received an email stating SOFI had denied my claim. They did not give me any reason for the denial, I called the fraud team back and was told it was out of their hands. As of today, I have filed a claim with FDIC and will file a police report. 
{$10000.00} was withdrawn using XXXX and the balance, {$2100.00} taken by withdraws. It was not explained to me how any of this could happen without my knowledge. HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio recovery. I would like this account removed for inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate information reported by XXXX XXXX XXXX XXXX XXXX XXXX. The company reported that I was over my limit and listed a highest balance of {$4400.00}, when in fact my actual balance is around {$1900.00}. 

This inaccurate reporting has significantly damaged my credit score and directly caused one of my creditors to cancel my credit line, resulting in a financial loss of more than {$6000.00} in available credit. 

I have attached documentation supporting the accurate balance and proof of the negative consequences that occurred as a result of this error. 

I am requesting that XXXX XXXX XXXX XXXX this inaccurate information with all credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX XXXX remove the over the limit notation, restore my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XXXX, I submitted a written dispute to Equifax concerning inaccurate information on my credit file. With that dispute, I included the required identification and supporting documents. 

Instead of reinvestigating, Equifax sent me a stall letter ( attached ) on XXXX claiming they were unable to locate a credit file and demanding I resend additional identification. This is improper because : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a consumer reporting agency to conduct a reasonable reinvestigation within 30 days of receiving a dispute. 

15 U.S.C. 1681i ( c ) requires the agency to clearly note that the items remain in dispute if they do not correct or delete them.

Equifaxs stall letter is an attempt to reset or delay the statutory reinvestigation period, which the FCRA does not allow. 

I have already provided sufficient identifying information, including my driver license and social security number which is on my complaint form from cfpb. Equifaxs refusal to process my dispute, its failure to reinvestigate, and its continued reporting of inaccurate information violate the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: MI

Complaint narrative:
Ive included a master dispute letter that illustrates the consistency of multiple violations of FCRA, Metro 2, XXXX, Transunion Terms of service all dates amounts and actions are detailed Ive also attached credit reports and dispute letters detailing all violations specific to each account and XXXX  response to my original case filled on XX/XX/year> resulting in deletion of the same accounts listed with Transunion

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 2025-09-13 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: NJ

Complaint narrative:
I am disputing the accuracy of the late payment reporting for XX/XX/year> and XX/XX/year>, which is showing as XXXX/XXXX days late on my credit report. This reporting is inaccurate and inconsistent because XX/XX/year> and XX/XX/year> are not reported late at all. If there were truly a XXXX or XXXX delinquency, it would necessarily be preceded by late notations in the prior months. Since that is not the case, the information being furnished is inaccurate and misleading. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information that they know or reasonably should know is inaccurate. Additionally, the credit reporting agencies are required under FCRA, 15 U.S.C. 1681i ( a ) to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information.

This accounts late payment history is being misrepresented and violates the accuracy requirements set forth in the FCRA. I am requesting an immediate investigation and correction of this reporting to ensure that only accurate and verifiable information remains on 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 non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: U.S. BANCORP
State: IL

Complaint narrative:
A bad kid might steal from his mother 's purse. That is not authorized use. 
_________________________________ Ongoing : XXXX XXXX XXXX XXXX took my Elan XXXX credit card number in person, from my home without permission, fronted maximum cash to his business and it has ruined my credit. He has made ongoing attempts to use my address and has reported to the XXXX XXXX XXXX XXXX. Twice. IL XXXX XXXX XXXXXXXX police in XXXX XXXXXXXX have intervened over him sneakily mailing his license to my address. Twice since last report. XXXX XXXX Police have my reports as well. 
_________________________________ ALLEGED FRAUDSTER NOTICE XXXX is a business operated by XXXX XXXX XXXX. Date of XXXX XX/XX/XXXX. Illinois issued drivers license. XXXX has seen over XXXX XXXX in sales. Check the related bank account history, from XXXX XXXX. XXXX XXXX XXXX  location XXXX XXXX XXXX, XXXX, IL XXXX. Has this business owner paid taxes on that amount? Suspected tax / banking / business fraudster. Have there been any complaints against this individual or business? Please investigate. Thank You. 
Attention : IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ILLINOIS XXXX Regarding : Potential tax evasion by hidden business Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IXXXX XXXX  AT XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Number XXXX ( XXXX XXXX XXXX issued XX/XX/XXXX by IRS dept of Treasury XXXX Potential aliases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCLUDE : XXXX & XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX XXXX, Illinois XXXX XXXX owes child support to ) PREVIOUS ADDRESSES INCLUDE : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX PHONE CONTACT : ( XXXX ) XXXX PRIMARY ( 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 explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
Consumer didnt agree with the terms and the calls were monitored and recorded {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XX/XX/XXXX - I made my first transaction on XXXX  to my friend and my account was immediately suspended - I looked through XXXX  's support documents and found that they require ID verification to unfreeze an account- I reached out to ask how to do this and no one responded - I stopped using XXXX  because no one was responding and I eventually forgot about it XX/XX/XXXX - I had a need again to use XXXX  so I reached out to their support chat to inquire why I could not connect my bank account - I was told by the chat that my case needed to be escalated to another team for ID verification - Someone named XXXX XXXX reached out with a link saying I needed to upload my ID and a digital copy of two of my bank statements with the account numbers shown - I felt very uncomfortable sharing my bank statements but did so anyway thinking this would unfreeze my account- I didn't hear anything for a few days XX/XX/XXXX - XX/XX/XXXX - I recieved an email from XXXX  saying that they reviewed my ID and my bank statements and decided to permanently deactivate my account- I emailed back and forth with them trying to understand why they would do that because I have not done anything outside of what they requested of me, and they kept responding with the same email that they are permanently deactivating my account - Since XXXX, I have been reaching out to understand the situation more, and they keep emailing me the same thing without addressing the question. 
- Eventually, I was in a thread with someone named XXXX XXXX who once again told me my account is permanently deactivated, and when I emailed them twice to ask why, they eventually did not answer - I feel extremely frustrated, confused, and used for sharing all my data only for them to block usage and access to my account with no clear explanation. I genuinely have not done anything to violate their terms and agreements, so I am very upset.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Two unauthorized XXXX transfers were made from my Truist checking account : {$700.00} on XX/XX/year> {$720.00} on XX/XX/year> I immediately reported these as fraud and opened Claim No. XXXX with Truist on XX/XX/year>. I completed and submitted Truists fraud dispute forms, provided XXXX payment confirmations, and submitted supporting documents, including : A police report filed with the XXXX XXXX XXXX XXXX XXXX Attorney intake form Confirmation that Detective XXXX of the XXXX XXXX XXXX is investigating the case Despite this, Truist has failed to issue provisional credit within XXXX business days as required under Regulation E ( 12 CFR 1005.11 ). Both transactions are clearly unauthorized, no goods or services were received, and I have provided all required documentation.

Truists failure to comply with Regulation E has caused ongoing financial harm, as I am still without the {$1400.00} taken from my account.

I request the CFPBs intervention to ensure Truist immediately issues provisional credit for {$1400.00} and complies with Regulation E in full

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 2025-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
We closed on our house in XX/XX/XXXX. Our mortgage was sold to NewRez mortgage company shortly after. I was told we had to wait 60 days to recast, so on the day we were eligible to submit a recast I called the company to discuss the process. They said all I needed to do was submit payment over the phone when I was ready. I asked if there was any paperwork involved and they said no, they would take the money for payment and then it would be processed. I submitted {$100000.00} for recasting on XX/XX/XXXX via wire. I had to call the company again to confirm it was received and again asked what the next steps were. They said it would take XXXX business days to process. I called last week to check up on this and they said they were waiting for the {$250.00} fee. This was supposed to be taken out of {$100000.00} and no one informed me this was what they were waiting on. I was also told I had to complete " paperwork '' which no one had informed me of or sent to me. I paid the {$250.00} on the phone and was told to wait for someone to call me about the paperwork.I had to call back and was told i would receive a call by XX/XX/XXXX which I did not. They also supposedly filed a complaint on my behalf, but I did not hear from anyone. So at this point, my {$100000.00} + {$250.00} fee has been received for recasting but there has been no transparency or communication regarding how to actually get this processed. I have never received any paperwork or been directed to their website for the forms. When I asked the customer services agent to e-mail them to me they said they were not allowed to.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My Personal information has been compromised by the Equifax XXXX XXXX XXXX. The Transunion XXXX XXXX XXXX XXXX Transunion and the Experian 2015 Data Breach XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax has been reporting my name as XXXX XXXX which is inaccurate. My only legal name is XXXX XXXX XXXX XXXX. I do not use any other names. My Only current address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. They are reporting my current address as XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX TX XXXX which I never resided at this address. 

Experian Is reporting my name as XXXX XXXX XXXX and XXXX XXXX which is inaccurate. My only legal name is XXXX XXXX XXXX XXXX. I do not go use any other names. 

TransUnion is reporting my name as XXXX XXXX XXXX which is inaccurate. My only legal name is 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 explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There was a XXXX card charge on an open account ending XXXX of {$45.00} XXXX paid the charge {$45.00} on XX/XX/XXXX and cashed by XXXX on XX/XX/XXXX .The charge was then moved to a closed XXXX closed account ( account was closed in XXXX ) ending in XXXX. I called to dispute the charge and inquired why it was moved to a closed card. I provided my bank statements to the dispute department, this was going on since XX/XX/XXXX, every person I spoke to in the dispute department had given me a completely different reason for the charge. I was given a run around for months. Finally in XXXX, XXXX, I spoke with a manager in the dispute department and she promised that this would be resolved in my favor. I was given a letter stating it was resolved and my claim was approved. Now in XXXX, XXXX the charge was moved back to the closed card ending in XXXX, so I called again, having to explain the situation and given a whole other run around story. This is the worst credit card experience I have ever had. The charge went for {$45.00} to {$43.00} and is now showing a balance of {$43.00} on a closed account ending in XXXX. 
Thank you for your help, 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
Consumer complaint received 2025-09-13 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: PA

Complaint narrative:
Subject : Complaint Against XXXX XXXXXXXX FCRA Violations and Failure to Provide 1099-C To Whom It May Concern, I am filing this complaint against XXXX XXXX  for repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and federal tax reporting laws. 

This complaint involves the following accounts : Account # XXXX Charge-off amount : {$6200.00} Account # XXXX Charge-off amount : {$5500.00} Violations : Failure to Provide IRS Form XXXX I have submitted XXXX written requests to XXXX  XXXX for issuance of a Form XXXX relating to the above accounts. To date, XXXX XXXX has refused to comply. If these debts were canceled or otherwise meet a reportable event, a XXXX is required under 26 C.F.R. 1.6050P-1.

Manipulation of Credit Reporting XXXX XXXX  continues to report these accounts as charge-offs month after month, despite the fact that the last activity occurred more than 24 months ago. This practice is inaccurate, misleading, and unlawful, violating 15 U.S.C. 1681s-2 ( b ), which requires furnishers to report complete and accurate information and update records to prevent misleading reporting. 

This behavior is causing severe harm to my creditworthiness and constitutes a form of double jeopardy reporting, as XXXX XXXX is artificially extending derogatory activity beyond what is accurate. 

Sincerely, 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 explanation