vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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, CHALLENGEDORNOT.

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 2025-08-28 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: CO

Complaint narrative:
These accounts are to be finalized in XXXX  days per USC 1681g guidelines.

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 2025-08-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: CARD Corporation
State: FL

Complaint narrative:
XXXX my name is XXXX XXXX I have a issue with XXXX there phone number XXXX XXXX my card was restricted XXXX XXXX  without notice I had a direct deposit come on that date and didn't noticed they blocked my account they did not reach out three email or phone to let me know they needed verification from me I reached out to this on XXXX XXXX and was told to send my information to verify my IDENITY which I did I sent my ID FRONT and back my security license my signed social security proof of address and my XXXX  they told me XXXX to verify called back on XXXX XXXX which they asked for the documents again and was saying the social security was signed which it was and the proof of address was over XXXX  days which it wasn't they every day after that another excuse and another excuse I just want access to retrieve my funds I had this same issue with XXXX  and it's frustrating"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally disputing the presence of a fraudulent account on my credit report. I did not authorize, open, or maintain this account, and its reporting is false and harmful to my financial record.

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 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year>, I initiated an instant transfer of {$1000.00} from my PayPal account to my personal bank account. As of today, the transfer is still pending, and the funds have not reached my bank. 

I contacted PayPal multiple times. Representatives confirmed that the withdrawal was processing but could not provide a timeframe for when my money would be available. They also stated they could not cancel the transfer, return the funds to my PayPal account, or complete the transfer to my bank. 

Each time I called, I was given different explanations, with no resolution. In effect, PayPal is holding my funds without providing access or clarity. This has caused financial hardship. 

I am requesting that PayPal immediately release or return my {$1000.00}, and that the CFPB review this issue since it appears to be an ongoing problem with their withdrawal process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I am disputing this reinserted account pursuant to 15 U.S.C. 1681c-2 and request that this fraudulent account be blocked or removed immediately.

I have attached my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence.

Under 15 U.S.C. 1681c-2, credit reporting agencies must block fraudulent information within four ( 4 ) business days of receiving an identity theft report. Despite my prior complaint and attempts to resolve this with [ insert name of credit agency ], the following fraudulent account was reinserted on my credit report : XXXX XXXX - XXXX This reinsertion is causing significant harm to my credit and financial opportunities. I have requested verification and contract copies from the reporting company, but after 60 days, received no response. This account was previously removed by other agencies due to lack of verification, yet TRANSUNION reinserted it without proper validation.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, 1681c-2, and 1681s-2 ( a ) ( 7 ), reinsertion of deleted information requires written certification from the data furnisher confirming accuracy, and the consumer must be notified. This was not done in my case, violating federal law.

I urge the CFPB to ensure TRANSUNION complies with the law by blocking this fraudulent account immediately and confirming the action.

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 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello and Good Afternoon. My name is XXXX XXXX and I have an issue regarding Chase Bank. I would like to report their fraudulent activity. 

I had an account with Chase that they had threatened to charge off. As soon as I gained employment, I reached out to Chase myself to set up a payment plan, because I wanted to make things right and handle the balance in good faith. During that call, I made sure to confirm several times before hanging up that the agreement we made would not result in my account being charged off. Over the phone, I was given verbal confirmationon a call they said was being recordedthat as long as I followed the plan, my account would not be charged off. I also have papers at home that reflect this agreement. ( I can provide this ). 

Even though I was told this, Chase still went ahead and charged off my account. On top of that, I received a letter saying my account was being sent to a lawyer for possible legal action. They even sent someone to my house at XXXX in the morning knocking on my door, just so I would sign for a delivery that was basically threatening me with legal action. I do not understand why this was done in that way. 

On top of this, Chase made me wait several times for checks to clear, even after they had already been verified. This left me without money that was owed to me for nearly two weeks at a time. When I called in to ask why, I was told theres nothing that can be done. Meanwhile, I would also be berated with constant phone callsup to XXXX calls a dayreminding me that my card needed attention. I already knew this information, so I dont understand why I was being harassed in this way. It made a stressful financial situation feel even worse, like I was being punished for trying to do the right thing. 

I am fully willing to comply with what I agreed to, but I feel that Chase went against their own agreement and treated me unfairly in the process. This has left me with a charge-off on my credit, legal threats, financial hardship, and a lot of unnecessary stress. I would like them to honor the original agreement, correct the charge-off, and stop pursuing legal action while this gets resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
My house at XXXX XXXX XXXX, XXXX XXXX, XXXX was destroyed in the XXXX  fires of XX/XX/year>. 

Yet, I continue to be hounded by XXXX XXXX XXXX XXXX for {$130.00}, most of which is not owed. 

I told them and their collection agency that I will pay what I owe through XX/XX/year>. ( Account # XXXX ) However, they maintain that I did not notify them of the fire and loss of service until XX/XX/year>. Apparently, they dont watch the news and were unaware of this national disaster. 

They did not need me to inform them that they were unable to provide phone service to me at that address after XX/XX/XXXX. I called them merely to stop sending an incorrect bill. 

I have wasted hours on this and now this debt jeopardizes my good credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I transferred money to my cash app account. I then activated a debit card and received a virtual card. I attempted multiple times over XXXX  days to make a payment online to a law firm, and the transaction was " declined for my protection. '' I attempted to get it fixed through chat which was absolutely useless. I have since transferred the money back to my bank to try to fix it in a different manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
In reviewing my credit report, I have identified a hard inquiry that I did not approve or authorize. The accuracy of my credit file is of utmost importance, and this entry undermines that accuracy.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I noticed the following fraudulent charges on my Home Depot credit card issued through CitiBank : XXXX/XXXX/XXXX for {$160.00} XX/XX/XXXX for {$310.00} I called on XX/XX/XXXX and reported the fraudulent charges. I called back on XX/XX/XXXX to check status but it had not been recorded as fraud. I was told it would be taken care of. I called back on XX/XX/XXXX to check status. It had still not been recorded. I was again told it would be taken care of. I called back on XX/XX/XXXX to check status. It had still not been recorded. I was again told it would be taken care of and was given a case number. I was also told the charges would be credited back to my account within 10 business days while the investigation is ongoing. It has been 10 business days. I called to see why they hadnt been credited yet and was told it would be requested again and to wait another 10 business days. This is appalling business practice for a bank.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of XXXX. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-08-28 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: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of XXXX. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX Code XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX ) and the TXXXX XXXX XXXX XXXX XXXX XXXX  ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I contacted Bridgecrest in XX/XX/year> and requested a settlement.I explained my XXXX diagnosis. I reviewed my credit report and found they were reporting the account as late payments, repossession and then XXXX Surrender. I filed a complaint with the CFPB on XX/XX/year> and was informed an investigation was on the way on XX/XX/year>. I was informed that there were no inconsistencies in the report on XX/XX/year>. They reported I agreed to the XXXX Surrender. That was not in question. They claimed they attempted to contact me, which they have not. They also claimed they attempted to contact me during this dispute. Again, no attempt to discuss this with me was made. A copy of the report is attached. I then requested an additional review.after I disccovered the inconsistencies and send Bridgecrest a certified return receipt letter stating the inconsistencies found ( copy of letter attached ) upon reciept of that letter on XX/XX/year>. I submitted this information then reviewed my credit report again. Bridgecrest changed the information to show XXXX Surrender throughout the years reported. This leaves me perplexed. They made changes only after I conducted the review and informed them of the inconsistencies. These are clear errors they did not find on their own and getting credit form. On XX/XX/year>, I received another letter via XXXX Mail from Bridgecrest dated XX/XX/year> telling me they could not verify the account. How could they be give me so much pushment only to mail me a letter saying they can't verify me? Copy of letter is attached. It is clear that this company is falsifying records to accommodate their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NY

Complaint narrative:
I am requesting the deletion of these unauthorized accounts from my credit report, as I did not authorize or know about their creation. In line with USC 1681g, I ask that they be removed within 15 days. Relevant documents are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I take my financial history seriously and regularly review my credit report for accuracy. Recently, I identified a XXXX  inquiry that I did not authorize. This is misleading and damages the integrity of 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 explanation
Consumer complaint received 2025-08-28 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:
I am formally disputing a late payment reported on my account that is inaccurate. Verified documentation shows that all payments were made on time, and this entry is therefore false. The reporting of this erroneous information is misleading and damaging to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
1 ) My Personal Information was and still is merged with someone else information. 
2 ) Over XXXX inquiries that were NOT authorized after XXXX  was notified to remove. 
3 ) XXXX accounts that have been in dispute that verification has NOT been provided which by law should have been removed. 
4 ) numerous inaccuracies on my report and every time i provide a cfpb report- XXXX  has received some of the documents however, does NOT proceed with removal of the accounts due to your report being missing from the documents sent via US mail and with registered, and notarized documents. 
* * * SINCE THERE IS SO MANY INACCURATE I HAVE ATTACHED ADDITIONAL DOCUMENT SINCE THERE WAS NOT ENOUGH ROOM * * * * * * * * * * * * * * * * * * * * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
FCRA Section 605B ( 15 U.S.C. 1681c-2 ) provides a mechanism for identity theft victims to block fraudulent information from their credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity Theft and Assumption Deterrence Act ( ITADA ) 18 U.S. Code 1028 Makes it a federal crime to knowingly use someone elses identity for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: KS

Complaint narrative:
Paid higher than minimum payment for several pay periods and interest continued to grow while principal was almost untouched. Fees and interest seem to have been added indicriminately, making loan repayment impossible. 

I believe this loan is unlawful under several Kansas and Federal laws.

Company response to consumer: Closed with explanation