vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-29 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: MA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX inaccurate and unlawful credit reporting on my student loan account XXXX on XX/XX/2025. 
XXXX XXXX is reporting a 60-day late payment on my credit report. This information is completely false. I have never been 60 days late on this account, and I have never missed a payment in a manner that would justify this level of delinquency. 
Most importantly, XXXX XXXX never reported a 30-day late payment on this account. A 60-day delinquency can not legally or logically exist without a prior 30-day delinquency. Reporting a standalone 60-day late payment is misleading, inaccurate, and not verifiable. 
I previously disputed this error directly with XXXX XXXX, yet they failed to correct or remove the inaccurate information. Their failure to do so constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 
Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or misleading information. Under 15 U.S.C. 1681e ( b ), they must maintain reasonable procedures to ensure maximum possible accuracy. Additionally, under 15 U.S.C. 1681s-2 ( b ), once a dispute is received, the furnisher must conduct a reasonable investigation and correct or delete any information that can not be verified as accurate. 
A reported 60-day delinquency without any prior 30-day delinquency is inherently inaccurate and demonstrates that XXXX XXXX failed to conduct a reasonable investigation. This false reporting is causing significant harm to my credit profile.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX TransUnion is reporting a XXXX  XXXX bankruptcy with a filing date of XX/XX/year> on my consumer credit report. I have no knowledge of any such filing, and I have not participated in, signed, or been served with any bankruptcy petition or case. 

Further, based on my financial circumstances, I am not eligible for XXXX  XXXX relief under the applicable means test, making the reporting of a XXXX  XXXX filing facially implausible and legally suspect. 

I have reviewed my records and there is no bankruptcy case number, court notice, trustee communication, or docket entry provided by TransUnion to substantiate this reporting. The tradeline appears without proper verification and has caused immediate and ongoing harm to my credit profile. 

Additionally, while TransUnion reflects that adverse tradelines are now closed, the closure dates appear to predate the alleged XX/XX/XXXX filing, raising serious concerns about accuracy, reinsertion, or automated reporting errors. 

Prior to any alleged bankruptcy reporting, I exercised my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by submitting regulatory validation disputes to the consumer reporting agencies, the CFPB, the FTC, the Illinois Department of Financial and Professional Regulation, and the Illinois Attorney General. It appears these lawful disputesnot a bankruptcymay have led to tradeline changes, yet TransUnion is now inaccurately attributing those changes to a nonexistent XXXX  7 filing.

Under 15 U.S.C. 1681e ( b ) and 1681i, TransUnion has a duty to ensure maximum possible accuracy and to conduct a reasonable reinvestigation. Reporting a bankruptcy without documentary verification, court identification, or consumer knowledge violates these obligations. 

Resolution Requested Immediate deletion of the inaccurately reported XX/XX/XXXX XXXX  XXXX bankruptcy Written confirmation of deletion Disclosure of the method of verification, including : Court name and district Case number Source of information Assurance that this inaccurate bankruptcy will not be reinserted without strict compliance with FCRA 1681i ( a ) ( 5 )

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 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I have purchased a XXXX XXXX XXXX and got a loan through credit acceptance with a APR of my loan at a high rate. XXXX percent. The car is paid off and is mines but the price of the loan was extended because of the amount of the loan and would like to be compensated because of the price of the loan and the apr through credit acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed my personal checking account through its Risk Department and is withholding approximately {$7000.00} of my cleared, available funds. The bank informed me that the funds will not be released until after the account is fully closed on XX/XX/XXXX, at which time they will mail a cashiers check. 

I met with a branch manager in person and spoke with management by phone on XXXX. I formally requested early release of my funds due to hardship and asked for the specific regulatory or legal basis for withholding my cleared funds for this extended period. He contacted Risk and they informed him the account would be closed on XX/XX/XXXX. I've been given 6 closure dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). 

The manager I spoke with on Friday XX/XX/XXXX on in Risk escalated my call 4 times and explicitly refused to provide any regulatory reason or authority for holding my funds and stated only that it was a risk decision or bank policy. No negative balance exists, no chargebacks exist, and no disputes are pending. The funds are fully cleared and available. The funds were my owner draws from my business account ( my payroll ). All cleared funds. 

I am not disputing the banks decision to close the account. I am disputing the continued withholding of my own money without explanation. I have alternate open accounts at other financial institutions ready to receive the funds immediately. 

Bank of America has refused to explain why my funds can not be released, refused early disbursement, and refused to identify any regulation requiring this hold. This is causing significant financial hardship. 

I am requesting that the CFPB require Bank of America to either : Immediately release my funds, or Provide the specific regulatory authority justifying the continued withholding of cleared funds. 

The banks refusal to explain or justify the hold is unreasonable and improper. I also require the banks regulatory office to return the 5 voicemail messages I left with XXXX. She called me once and since then has never returned my calls in over XXXX weeks.

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 2025-12-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Creditly Corp.
State: FL

Complaint narrative:
I begin to apply for a loan from Credit Genie that I decided not to get because of the fees. I didn't know that Credit Genie was going to charge me the fees regardless if I didn't take the loan. They have been charging me for services I was unaware of having and didn't use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I called to get my house refinanced after talking to a loan XXXX we set the date for XX/XX/XXXX to do it, I was then told to not make my payments on XX/XX/XXXX and XXXX because I am refiancing in XXXX and I had already paid my XXXX months rent ( XXXX ) on XX/XX/XXXX ( XXXX ) and the XXXX ( XXXX ), I made the arrangements by cancelling my auto payment on XX/XX/XXXX, but the company ( Newrez ) took the money on the XXXX of XXXX ( XXXX ), I called and told them I cancelled on XXXX XXXX the auto payments, they said they would give me a refund and that the auto pay has been cancelled. I waited serval days/weeks with no refund. then on XXXX XXXX they took another XXXX without my autorization since I cancelled my auto pay. I called them again asking for a refund of that portion back for several days, After I waited till XX/XX/XXXX, two day before my refiancing, and called them to ask why I have not recieved my refund for the two payment they took they told me I would have to wait another week. I then called my bank XXXX XXXX and demanded my money back of XXXX payment of XXXX the one on XX/XX/XXXX and the XXXX of XX/XX/XXXX from them due to the fact it was taking so long. In doing so Newrez is now saying I owe them XXXX for the months of XXXX and XXXX. Even tho they never gave me the refund in the first place and I had to get my bank to do it. They have prevented me from refiancing my home while saying I owe them for a extra month rent ( XXXX ) that I paid in XXXX on the XXXX and XXXX. I have called them over XXXX times in the last XXXX months trying to resolve this issue with them I have sent them bank statements and proof of my morgage statments that say that I do not owe XXXX months rent. I owe XXXX months rent now which I wasnt going to have to owe if the refaincing would of went through on the XXXX and Newrez didnt block it. I called to pay XXXX month rent and was told I have to pay XXXX first even tho I dont owe for that month. I just want to refiance my home, and this experiance has been awful, to the point where I need to seek legal advice. I have all the documentation proving I dont owe XXXX months rent and that Newrezs negligence on my loan cause me to miss my refaince several times, and is causing them to say I owe XXXX months payment when I do not. On XX/XX/XXXX and XXXX they alo tried to take another XXXX out of my account even tho I had cancelled the autopaymen, and at this point have called and taken my bank account off there site.

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 2025-12-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XX/XX/year> Experian Legal P.O. XXXX XXXX XXXX, tx XXXX I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my rights under the fair credit report act and I request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. these practices, as outlined by the CFPB, includes : Conducting inadequate investigations that fail to address consumers disputes property. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumers that my dispute XXXX be mishandled in a similar manner. 
Please review the inaccurate 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 explanation
Consumer complaint received 2025-12-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2025-12-29 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: MS

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Block, Inc.
State: MS

Complaint narrative:
I was XXXX from XX/XX/year> XXXX while i was XXXX a person stold my phone from were it was at this person stold my idenity when released i tried to recover my cash app it said i couldnt get a card so i called i even tried to open a new one they would not give me one i had no money on it when i got arrested my friend requested money and it showed my face my hash tag with the girls name who had my phone i have screen shot so cash app had to be aware of something ive done everything called XXXX XXXX XXXX XXXX XXXX XXXX my report it had my birthday wrong and my name spelled with XXXX insted of XXXX ic3 idenity theft police report but because i didnt loose any money i can not get help but my idenity was stolen ive tried and tried to settle this with cash app i need my cash app to send money to my children in calif i did nothing wrong but i am the one who gets treated this way i know hearing i was XXXX makes everyone think that its ok to not help me i did my time and now my life is gone ty

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc.
State: NC

Complaint narrative:
Money lion offers a type of loan maybe i did not understand correctly. Either way it showed on my credit i recieved a line of credit or loan which i never recieved any funds. Even after payments were beimg made withoit my consent i advised money to cancel loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

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. 


XXXX - XXXX XXXX FIN - XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase froze one of my checking accounts with XXXX balance XXXX months ago without any letter explaining on why or what I can do to get my funds back. 
Every time I call to customer service, I get a pushed to different departments saying they do not have an authority to tell me what is happening even my " personal '' banked does not know what I can do or who I can contact to get my money back. 
Any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to formally dispute an unauthorized outstanding balance of {$320.00} that has appeared on my Wells Fargo XXXX XXXX XXXX XXXX ( account ending in XXXX ). This balance has been reflected in my online account dashboard, despite the fact that I fully settled all dues on this card in XX/XX/year> and have not used the card for any transactions since then. 

My last payment of {$810.00} was received by Wells Fargo on XX/XX/year>, and the last statement balance as of XX/XX/year>, was $ XXXXconfirming that all obligations were cleared. I have verified that the card has not been lost, stolen, or used fraudulently, and there are no transaction records in my account that justify this {$320.00} balance. Additionally, I have not received any notifications, calls, or correspondence from Wells Fargo regarding this alleged balance prior to seeing it in my online account. 

I request that Wells Fargo immediately investigate this discrepancy, remove the unauthorized {$320.00} balance from my account, and provide a detailed explanation of how this balance was generated. Please also confirm in writing once the issue has been resolved and the account balance is restored to its correct {$0.00} status as reflected in the XX/XX/year> statement period.

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