vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: OH

Complaint narrative:
I disputed an account on my TransUnion credit report ( XXXX XXXX XXXX XXXX ending in XXXX ) and included a written request for the Method of Verification ( MOV ) under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) ( 7 ).

TransUnion responded by stating that the account was verified as accurate but failed to provide any information about the method of verification used, as required by law. They did not identify who verified the item, what documents were relied upon, or how the investigation was conducted.

This account is a joint charge-off and may not accurately reflect my individual liability. TransUnion did not fulfill its legal obligation to provide the MOV within 15 days of my written request, violating 611 ( a ) ( 7 ). Additionally, their investigation appears to rely on automated data-matching, not a reasonable investigation, as required by 611 ( a ) ( 1 ).

I am requesting that TransUnion : Provide a full response to my MOV request Identify the source and documentation used to verify the account Delete the account if it can not be properly verified I am attaching a copy of their dispute results letter and a copy of my original dispute which included the MOV request.

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 2025-06-08 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: TN

Complaint narrative:
reviewed my credit report and discovered multiple hard inquiries that I did not authorize. These inquiries were made by companies I have never applied for credit with, and I did not give written or verbal consent for them to access my credit file. I believe these inquiries were either made in error, without my permission, or possibly as a result of fraudulent activity. 

I contacted the companies listed and/or the credit bureaus to dispute the inquiries and requested verification that I had authorized them. However, I have not received proper documentation proving my consent. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries must be authorized by the consumer, and failure to obtain proper consent violates my rights.

These unauthorized inquiries are negatively impacting my credit score and my ability to obtain credit. I am requesting that these inquiries be fully investigated and removed from my credit reports if no valid authorization exists.

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 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
Dear Consumer Protection Officer, I am writing to formally report a serious issue involving Remitly , Inc., a digital money transfer service, concerning a transaction that may constitute fraudulent misrepresentation and mishandling of funds. 

On XX/XX/year>, I submitted an international money transfer through Remitly ( Transaction ID : XXXX ) to a recipient in XXXX. I sent {$400.00} USD, which Remitly confirmed as completed and deposited via Access Bank. However, the recipient has not received the funds to date.

Upon further investigation, I discovered the following critical issue : The recipients account is a USD-denominated domiciliary account.

Remitly processed the transaction in XXXX ( XXXX ), despite there being no disclosure or prompt during the transfer process to confirm the currency type of the recipient account. 
As a result, the funds have been misdirected or are now in limbo, subject to whether the recipients bank decides to convert the fundsdespite it being a dollar account. 
Remitlys support has acknowledged the issue but has not resolved it. They have only stated that it may take 72 business hours to investigatewhile the recipient remains without funds. While waiting on the phone for the first customer support representative to address this matter, XXXX hung up the phone on me. 

This transaction reflects a failure of duty of care, possible negligence in verifying account compatibility, and lack of currency transparency in an international financial transaction. As a U.S.-based consumer, I believe this may fall under deceptive or unfair financial practices, and I respectfully request that your office investigate Remitlys procedures regard

ing : 1. Disclosure obligations for currency type and conversion risks. 2. Protocols for verifying account compatibility for international transfers. 3. Delay in remediating a failed or mishandled transaction, which could result in consumer financial harm. I am prepared to submit all supporting evidence,
including : Remitlys confirmation email. 
Chat records with Remitly support. 
Screenshots from the recipients account. 
Internal transaction details and currency discrepancies. 

Please advise on next steps or how to formally submit this case for review. I appreciate your support in holding financial service providers accountable and protecting consumers from harm. 

Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, CA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I am requesting that the CFPB investigate this matter for the following reason ( s ) : I do not recognize this debt and have never been notified about it prior to seeing it on my credit report. I believe this debt may has been resulted in identity theft, an error, or may already have been resolved or paid. 
The information reported appears to be inaccurate and incomplete, including the amount, date opened, or creditor details. 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that this item be validated or removed if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2025 I attempted to put {$80.00} ( application fee ) into a landlord 's account through Chime Financial. I downloaded the Chime app. The app said three times that the money would not go through. I then realized the landlord was a scam and decided not to worry about it. Hours later I saw on my bank statement that the charge did go through but just to Chime. I called Chime three times that night and was disconnected each time. I called Chime the following day, closed my account with them, and requested they send me a check for the {$80.00}. I was told that the check would be sent to me within 10 business days. At that point Chime sent me an email stating, " Your completed direct deposit form is attached. '' The form has my computer-generated signature on it which I never consented to and was never discussed. On XX/XX/XXXX I had not received the money and contacted Chime again. I was emailed a statement that I had {$80.00} in there but that my account was at XXXX because of an {$80.00} " adjustment. '' I also received an email stating my " closure check has been processed '' on XXXX, that it would take 14 days to process it, and that I should receive it within 30 days. It did not arrive. I have called them many times since and have been told three times that this case was being " elevated. ' I got another email on XX/XX/XXXX stating my closure check was processed on XX/XX/2025. They wanted to know if I wanted the check cancelled and reissued ( as I had not received it and check my mail daily. )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft, I have no idea about these inquiries, please remove them from my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: NY

Complaint narrative:
: This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/year> and had been since sold to XXXX XXXX XXXX who is reporting this as a collection account

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Please see all attached. This is a serious error and discrepancy reflected on two separate reports ran on different dates. One by me and another by a creditor. It needs to be removed.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have no knowledge of these accounts and I believe that I was a victim of idenity theft. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Over XXXX years ago, my PayPal account was limited, and I was informed that the funds in my accountapproximately {$5000.00} XXXX be held for XXXX  days. According to PayPals own policy, funds should be available for withdrawal after that period, unless there are exceptional legal circumstances. 

I reside in the United States, and my PayPal account is fully verified with U.S. identification and linked to a U.S. bank. Despite this, PayPal has not allowed me to access my money, and the limitation remains in place without any clear reason.

I have contacted PayPal support multiple times requesting clarification and the ability to withdraw my funds, but they have not provided a meaningful explanation or resolution.

This situation is severely affecting me, and I believe PayPal is violating its own user agreement by holding my funds indefinitely without proper justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: KS

Complaint narrative:
The collection that is on file has been on my credit report for more than XXXX years. Its a closed collection that shouldve been falling off my credit report by now. Ive tried to fix this and they have not removed it. I sent documents proving that its an old enclosed account and they still have refused to remove it from my credit report Ive also requested information providing this collection belongs to me and they failed to send any documents proving that it belongs 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 non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
The collection that is on file has been on my credit report for more than XXXX years. Its a closed collection that shouldve been falling off my credit report by now. Ive tried to fix this and they have not removed it. I sent documents proving that its an old enclosed account and they still have refused to remove it from my credit report Ive also requested information providing this collection belongs to me and they failed to send any documents proving that it belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint because Navy Federal Credit Union denied my fraud claim regarding two unauthorized XXXX XXXX transactions totaling {$250.00} on XX/XX/2025. These payments were made using my Navy Federal debit card linked to XXXX XXXX. I was scammed by someone who was impersonating a breeder through a hacked XXXX account. I believed I was purchasing a puppy, and I only discovered the account was fraudulent after I had already sent payment. 

I reported the incident to Navy Federal immediately, provided full documentation, closed my XXXX XXXX account, and appealed the denial twice. Despite taking every proper step to resolve this, Navy Federal denied my claim stating that because I engaged in conversation with the scammer, it was not considered fraud. I disagree with this response, as this was clearly fraud by deception I was misled into authorizing transactions under false pretenses, which is the very definition of scam-related fraud.

This is also the second unresolved issue Ive experienced with Navy Federal, and it further reflects a concerning lack of protection and support for members facing modern digital fraud. Im requesting the CFPB to review this situation and help hold Navy Federal accountable for denying fair protection to a member who acted in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
Items are being reported which i never gave permission or consent to be reported. 
This is a violation of my consumer rights under 15 USC 1681b. I never gave consent to this being reported, therefore it is identity theft and under 15 USC 1681 c-1 and per 15 USC 1681 c-2 any item identified as identity theft must be deleted and blocked with 5 days the cra 's are violating : 15 usc 1681b specific 1681b ( a ) ( 2 ) Permission or Consent to report 15 usc 1681c-1 If you cant produce proof then Without consent its identity theft 15 usc 1681c-2 Block items reported as identity theft 15 U.S. Code 1681e ( b ) reads " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' - [ ] 15 USC 1681s-2a1a reporting information with actual knowledge of errors

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 2025-06-08 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: GA

Complaint narrative:
XX/XX/year> Equifax Inc. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Reporting Without Written Consent Pursuant to 15 USC 1681 To Whom It May Concern, I am writing to formally dispute information on my credit report maintained by your bureau. Per my rights under the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), I have discovered that your bureau has reported information about me without obtaining my written consent to furnish or obtain this information. This action violates my rights under federal law. 
Specifically, I have not provided written consent for your bureau to collect, share, or report any information regarding my credit history or personal details. Therefore, any reporting of such information on my credit report is unauthorized and incorrect. 
As per 15 USC 1681b, a consumer reporting agency may furnish a consumer report under certain circumstances, one of which is having obtained written consent from the consumer. Since I have not provided such consent, any inclusion of my information in your reports is inaccurate and in violation of federal law.

I request that you immediately investigate this matter and provide me with written confirmation of the actions you will take to correct this issue. This includes removing any unauthorized information from my credit report and providing me with an updated copy of my credit report reflecting these corrections.

Additionally, please provide me with a written explanation of how this error occurred and the steps you will take to prevent such unauthorized reporting in the future.

Please consider this letter as a formal dispute under 15 USC 1681i ( a ) ( 1 ) ( A ), which requires you to investigate this matter within 30 days and inform me of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
There is an old collection that has been closed and has been on my credit for over seven years. Ive requested for them to remove the close account and they keep saying that its verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
There is an old collection that has been closed and has been on my credit for over seven years. Ive requested for them to remove the close account and they keep saying that its 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 non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Regarding Ongoing Freeze/Restriction on Savings Account with American Express National Bank Dear CFPB Representative XXXX I am writing to formally submit a complaint against American Express National Bank concerning an ongoing and unresolved issue involving a freeze or restriction placed on my savings account ( Account Number : XXXX ). 

Despite numerous phone calls and repeated conversations with multiple representatives, the issue remains unresolved. I was specifically instructed by a supervisor at American Express National Bank to submit an Affidavit of Identity. I followed this directive and promptly submitted the notarized affidavit as instructed. Representatives from the Protection Department assured me that once the notarized affidavit was received, the freeze and any associated restrictions on my account would be lifted. 

However, despite fully complying with all verification steps and submitting the required documents, my account remains frozen as of today. I also spoke with multiple representatives, yet the issue still persists with no resolution in sight. 

This prolonged situation is deeply frustrating and is causing both financial hardship and emotional distress. I believe the banks handling of this matter constitutes unfair and unreasonable treatment, particularly given that I have acted in good faith and followed all instructions provided. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in facilitating a prompt and fair resolution. Specifically, I am seeking the immediate restoration of full access to my account and the removal of any unjustified restrictions. 

Thank you for your time, attention, and assistance in resolving this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief