vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I rented a car from XXXX for approximately XXXX month, picking it up in XXXX and returning it at XXXX XXXX XXXX XXXX. I have been a long-term XXXX customer and was advised that a location change fee of {$50.00} would apply. On my final invoice ( Rental Agreement # XXXX ), XXXX charged me {$1600.00} for the time and mileage portion of my rental. Their own rate chart on that same invoice shows a weekly rate of {$190.00}. XXXX weeks at XXXX XXXXXXXX equals {$780.00} not {$1600.00}. I was overcharged by {$820.00} with no explanation or justification. I contacted XXXX and, after several weeks of back-and-forth emails, they refused to correct the charge. I then filed a dispute with Bank of America. It has now been over a month since that dispute was filed, and I have received XXXX communication from Bank of America regarding its status. I have called Bank of America 's dispute department twice, waiting on hold for over an hour each time, and was told only that the dispute has been " escalated. '' There is no way for me to check the status of my dispute online despite Bank of America 's own website indicating that active disputes should be visible in my account. No dispute appears anywhere in my online account. This unresolved overcharge of {$820.00} has caused my account to go negative by {$660.00}. Bank of America is now threatening to close my account while simultaneously failing to resolve or even communicate the status of a dispute they acknowledged has been escalated.

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 2026-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE INQUIRIES DO NOT REFLECT AUTHORIZED CREDIT ACTIVITY. I DID NOT PROVIDE CONSENT FOR THEM. I AM FORMALLY DISPUTING THESE ITEMS AND REQUEST A THOROUGH INVESTIGATION. IF THEY CAN NOT BE PROPERLY VERIFIED, THEY MUST BE REMOVED IMMEDIATELY.

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 2026-07-05 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: IN

Complaint narrative:
I am requesting a second reinvestigation of the XXXX CARD account. The previous dispute did not properly verify the inaccurate and questionable information reported. Errors include : the {$1800.00} amount being reported as written off, past due, and current balance without a clear breakdown ; missing proof of the Date of First Delinquency ; charge-off reporting continuing after the XX/XX/year> status update ; and no verification of the account closure information. Under FCRA Sections XXXX and XXXX, please provide the complete XXXX of XXXX ( MOV ), documents reviewed, verification source, and proof supporting all reported information. If this account can not be fully verified as accurate and complete, please correct or delete it from 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 2026-07-05 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 ACCOUNT DOES NOT BELONG TO ME AND WAS REPORTED IN ERROR. I HAVE NEVER OPENED, AUTHORIZED, OR HAD ANY AFFILIATION WITH THIS ACCOUNT. I AM FORMALLY DISPUTING THIS ITEM AND REQUEST A FULL INVESTIGATION AND PROPER VERIFICATION. IF IT CAN NOT BE VALIDATED WITH COMPLETE AND LEGITIMATE DOCUMENTATION, IT MUST BE REMOVED IMMEDIATELY.

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 2026-07-06 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: MA

Complaint narrative:
I previously disputed this account, but the response simply stated that the information was verified without explaining how it was verified or addressing the inconsistencies I identified. The account is reporting different balances and information across the credit bureaus, which calls its accuracy into question. I am requesting a thorough reinvestigation, verification of the correct account information, and correction of any inaccurate or inconsistent reporting. Please provide a meaningful response that addresses these discrepancies rather than a generic statement that the account has been verified.

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 2026-07-05 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: GA

Complaint narrative:
based on there response, these public record should promptly deleted

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 2026-07-05 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: NY

Complaint narrative:
I received a copy of my credit report and noticed some unauthorized inquiries. I am requesting a reinvestigation and deletion of these inquiries. Here are the unauthorized 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 XXXXXX/XX/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 2026-07-05 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: NC

Complaint narrative:
I am filing this complaint against TransUnion for continuing to report inaccurate and disputed late payment history on my consumer credit report despite my requests for a reasonable reinvestigation. I do not dispute ownership of the accounts listed below. My dispute is limited solely to the derogatory late payment reporting, which I believe is inaccurate, incomplete, misleading, and not supported by competent documentary evidence. The continued reporting of these late payments has caused significant damage to my credit profile and has adversely affected my creditworthiness. The disputed accounts are : XXXX. XXXX Account XXXX. XXXX. XXXX. XXXX Account XXXX. XXXX. The reported late payment history on these accounts appears inconsistent with accurate account records and has not been demonstrated to be complete or fully verifiable. Under FCRA Sections XXXX ( b ) and XXXX, TransUnion is required to maintain maximum possible accuracy and conduct a reasonable reinvestigation of disputed information. Despite receiving my dispute, TransUnion continues to report the derogatory payment history without providing competent documentary evidence demonstrating that each reported late payment is accurate and supported by the furnisher 's original business records. Generic or automated verification responses do not satisfy the Fair Credit Reporting Act 's requirement for a reasonable reinvestigation. If TransUnion can not verify every disputed late payment through competent and reliable evidence, it should not continue reporting this derogatory information because its continued publication is causing ongoing harm to my credit standing.

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 2026-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MA

Complaint narrative:
On XX/XX/year>, I closed my US Bank XXXX XXXX XXXX XXXX, which has a {$400.00} annual fee. As a Massachusetts resident, I requested a pro-rated annual fee refund afforded to me by Massachusetts General Laws Chapter 140, Section 114C. I received a letter ( image attached ) dated XX/XX/XXXX, stating that they would not be refunding this fee. U.S. Bank is violating Massachusetts General Laws Chapter 140, Section 114C by denying a legally mandated two-thirds prorated annual fee refund upon account closure

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 2026-07-20 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: U.S. BANCORP
State: GA

Complaint narrative:
My credit card ending in XXXX ( Fidelity Rewards Visa, issued by Elan XXXX XXXX ) was compromised in XXXX XXXX and used for a rapid series of fraudulent purchases phones, mobile carriers, and consumer electronics. Elan 's own Fraud Prevention team recognized this and resolved multiple fraud cases on the card, none of which posted to my account, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was also reversed as fraud on XX/XX/year>, and additional fraudulent attempts were blocked. XXXX charge from that same spree XXXX, {$870.00}, posted XX/XX/year> ( a cell phone ) was allowed to stand. My dispute of it ( Case XXXX ) was opened in the same batch of case numbers as the fraud cases above, and Elan 's own resolution letter is issued by Fraud Prevention under reference XXXX ( " Final Resolution, '' dated XX/XX/year> ) yet Elan denied it. I did not make or authorize the charge and reported it as fraud immediately. Elan issued a provisional credit on XX/XX/year>, then denied my dispute and re-charged the {$870.00} on XX/XX/year>. I am now accruing interest on a fraudulent charge. Elan 's denial letter is factually wrong. It states the charge is valid because the merchant " swiped or read your card 's chip via their credit card machine '' a card-present, in-store chip transaction. This was not that. It was an online, card-not-present Samsung.com order processed through XXXX 's processor ( XXXX ) and shipped to an address ; my physical card was never at any terminal. Even page XXXX of Elan 's own letter lists the merchant as a remote descriptor ( " XXXX XXXX NJ '' ), contradicting the in-store chip transaction it claims. The letter also says I " received benefit '' of the merchandise I did not ; the order used an email that is not mine ( XXXX ), shipped to my home while I was in XXXX and was " signed for '' in my name by someone I did not authorize. I never received it. I opened XXXX fraud case XXXX and placed a delivery hold that was not honored ; XXXX has not responded. Finally, the letter relies on the card not being " reported lost or stolen, '' which is legally irrelevant a compromised card number is enough for unauthorized use under Regulation Z and is inconsistent with Elan reversing XXXX other fraudulent charges on this same card in the same window.

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 2026-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Processing Solutions, LLC
State: PA

Complaint narrative:
This communication constitutes a formal debt validation request pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are also hereby notified that the validity of this debt is disputed in its entirety, and you are ordered to cease all collection activity including reporting or forwarding information to any credit reporting agency until complete, specific, and verifiable validation has been provided. Given that you claim to be the " owner '' or " authorized collector '' of this debt, you are legally required to present the following documents for your claim to be considered valid

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 2026-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
XX/XX/year> XXXX XXXX removed my account overdraft limit without any notification. A check written in my XXXX XXXX account in the amount of {$360.00} was deposited in my PenFed checking account. returned by XXXX XXXX, not redeposited by PenFed as directed. XXXX XXXX I contacted PenFed, explained that XXXX XXXX informed me they were not obligated to inform me my overdraft limit for my checking account was changed. XXXX XXXX further stated the overdraft limit can change daily. limits are created by an automated system, and XXXX XXXX now suggests customers contact the bank prior to overdraft if their account. XX/XX/year> I provided PenFed a debit card linked to the same XXXX account the check was declined from as funds were available to cover the {$360.00} instrument. XX/XX/XXXX I noticed PenFed had not collected/processed the payment authorization for {$360.00}. I contacted PenFed FCU, they stated it was their intent to process the payment in XX/XX/year>. PenFed processed the payment on XX/XX/XXXX. PenFed informed me they will be closing my account on XX/XX/year>. I requested PenFed provide access to my online account to monitor for suspicious activity. I also informed PenFed I needed access to my account statements. Demanded they mail my statements if they were denying me access to my online profile and was still denied access to my accounts.and all activity that occurred from XX/XX/year> to present. XXXX XXXX also sent a letter informing me I contacted them to report identity theft on XXXX XXXX. XX/XX/XXXX, I received documents from PenFed indicating a new account may have been opened and a new debit card may have been mailed. My XXXX XXXX XXXX an envelope from Pen Fed that was opened and may have contained a debit card, PenFed mail also had a return address that did not include the full phone number of the institution. Also note my solid payment history has been removed from my credit report and possibly transferred to another individual cloaked in my identity. Please note the check created post closure of my PenFed checking account is drawn on XXXX XXXX Bank. As I have not been compensated for the multiple fraudulent acts of XXXX XXXX employees opening unauthorized accounts from XXXX XXXX XXXX may be facilitating these issues in an effort to thwart compensating me for my losses.

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 2026-07-19 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2026-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Issue : Debt Collection I am filing this complaint regarding Fair Collections & Outsourcings ( FCO ) attempt to collect an alleged {$91.00} electric utility debt that I was never made aware of until more than one year after I had vacated my apartment. I moved out of the apartment approximately three years ago. At the time I vacated the property, I was never provided with a final utility bill, notice of an outstanding balance, or any communication indicating that I owed money to the utility provider. Had I been notified of a legitimate balance, I would have promptly paid a {$91.00} obligation and avoided any collection activity. Instead, my first notice of this alleged debt came more than a year after I had already moved out, when I was informed that the account had been placed with a third-party debt collector. As a result, I was deprived of a reasonable opportunity to review, verify, or resolve the alleged balance directly with the original creditor before it was referred to collections. To date, I have not been provided with documentation demonstrating that I was properly billed for this alleged balance before the account was referred for collection. I have not received the original utility bill, an itemized account statement, or documentation showing when and how the original creditor attempted to notify me of the alleged debt. Consumers should receive timely notice of any outstanding balance and be given a fair opportunity to resolve it before being subjected to third-party collection efforts. In this case, that did not occur. The lack of timely notice prevented me from addressing the matter when it could have been resolved quickly and without unnecessary collection activity. Given that I was not informed of this alleged debt until more than a year after vacating the property, I believe it is unfair and unreasonable to pursue collection under these circumstances. I respectfully request that the CFPB review this matter and require Fair Collections & Outsourcing to provide an appropriate resolution consistent with applicable 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 explanation
Consumer complaint received 2026-07-19 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I am submitting this complaint regarding Barclays Bank Delawares handling of dispute case XXXX involving a disputed transaction of {$140.00}. My complaint is that Barclays denied my billing dispute without meaningfully evaluating whether I actually received the service I paid for. I purchased tickets to the XXXX XXXX XXXX XXXX XXXX event. Although my tickets were scanned upon arrival, event staff failed to provide the required wristbands needed for continued access to the event. Because of that failure, I was denied continued access almost immediately after entering, and staff could not correct the issue because my tickets had already been marked as used. The merchants response did not address these facts. Instead, it argued only that my tickets had been scanned and that ticket sales were non-refundable. Barclays accepted this response without addressing whether I actually received the service purchased. A scanned ticket alone is not evidence that the contracted service was delivered when the customer is subsequently denied access due to the venues own check-in error. I also provided Barclays documentation showing that the merchant inaccurately stated I had never contacted them regarding the issue. While this was not the primary basis of my dispute, it raised additional concerns regarding the reliability of the merchants response. After Barclays denied the dispute, I submitted additional evidence, requested reconsideration, and filed a formal complaint. Barclays responded that the matter had been reviewed and was closed, but did not explain how it concluded that the service had been delivered or address the issues I raised.

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