vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: NV

Complaint narrative:
I initiated a remittance transaction on XX/XX/year> for {$1100.00} using Abound XXXX XXXX ( Transaction ID : XXXX ). At the time of initiating the transfer, the company promised delivery by XX/XX/year>. However, the funds did not arrive as committed. 

On XX/XX/year>, the Abound application began showing the transaction status as Delivered, but the intended recipient ( my mother ) has still not received the money. This delay has caused significant stress and financial hardship, as I had several important commitments depending on this transfer.

Throughout this period, I attempted to contact Abound for support, but the company does not provide a reliable communication channel. Their support response has been slow, inconsistent, and unhelpful, leaving me without any clarity on the status of my funds. The lack of transparency, broken timelines, and inaccurate status updates have been extremely concerning.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: MD

Complaint narrative:
I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

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 2025-11-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I received my tax return, I gifted a few family members made small shopping transactions they they terminated my account wont release my funds Im fired of work, no income they have no valid reason of holding my funds this is my hard working money I ask to speak with a XXXX they give me no XXXX I asked whats the reason they have no reason. Its been XXXX days they said they will release my funds Ive sent in my id, social, birth certificate etc. I just want my Funds release I dont care about the account being closed but this is against the law I havent did anything wrong but spend my own hard earned money money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: VA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I previously submitted a written dispute to US BANK HOME MORTGAGE dated XX/XX/scrub>XXXX XXXX XXXX regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), US BANK HOME MORTGAGE has failed to respond, verify, or correct the information within the required XXXX ( XXXX ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since US BANK HOME MORTGAGE did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. 
This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure US BANK HOME MORTGAGEs immediate compliance with FCRA requirements. 

US BANK HOME MORTGAGE XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX : XX/XX/year> SSN ( Last XXXX ) : XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Request for Immediate Deletion Inaccurate Auto Loan Reporting Account : Credit Acceptance Corp I am disputing the Credit Acceptance Corp auto loan showing on my credit file due to inaccurate, impossible, and legally non-compliant reporting under FCRA 602, 607, and 611.

The account is showing as OPEN and XXXX days late for years after the vehicle was totaled and no valid loan existed. This is impossible and violates accuracy standards. 
Errors include : Conflicting status Continuous late reporting Inconsistent dates Unverifiable balance This tradeline must be DELETED, not corrected. Please provide confirmation

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 2025-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I no longer own this vehicle and tried to make payments that didnt go through and would frequently take double payments, i owed XXXX on it and pay around XXXX for only XXXX to be shown as principle, they resold the car to someone else and still are telling me i owe them XXXX $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: AL

Complaint narrative:
Did not receive funding. Incorrect information Credit reporting or other personal consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-19 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: FL

Complaint narrative:
I have been a victim of identity theft and found some fraudulent inquiries that I did not authorize on my credit report Here are the fraudulent inquires I have found due to identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I also attached my identity theft report as well

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 2025-11-19 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXXEQUIFAX\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Request for Account Blocking and Deletion Due to Data Breach XXXXDear EQUIFAX Team,XXXXI am writing to formally request the blocking and deletion of all accounts associated \nwith my personal information due to the recent data breach. XXXXAccounts in Question: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAddresses: 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSocial Security NumberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis request is made in accordance with several provisions of the Fair Credit Reporting \nAct (FCRA): XXXX XXXXXXXX XXXX15 USC  1681c-2(a)XXXX This statute requires consumer reporting agencies to XXXXblock information resulting from identity theft. I request that all accounts fraudulently XXXXopened in my name be blocked immediately. XXXX XXXX15 USC  1681iXXXX Under this section, I am entitled to dispute and request the XXXXdeletion of any inaccurate or unverifiable information on my credit report. Please XXXXinvestigate and delete any such information linked to this breach. XXXX XXXX15 USC  1681e(b)XXXX  This provision mandates that consumer reporting XXXXagencies maintain reasonable procedures to ensure the accuracy of information. Given XXXXthe breach, I request a thorough review of my credit report to identify and rectify any XXXXinaccuracies. XXXX XXXX15 USC  1681g(a)XXXX I request access to my complete consumer report, as I \nhave the right to understand what information is being reported and to identify potential XXXXinaccuracies resulting from this breach. XXXX XXXX15 USC  1681mXXXX: As required by this statute, please ensure that any XXXXnegative information resulting from the breach is not reported inappropriately. XXXX XXXX15 USC  1681XXXX I reserve the right to seek damages for any violations of \nthe FCRA resulting from this breach, should you fail to comply with my requests. XXXX XXXXPlease confirm the receipt of this letter and provide written confirmation of the actions XXXXtaken regarding my accounts. XXXX XXXXAdditionally, I would appreciate an update on any measures you are implementing to XXXXprotect my personal information. \XXXX XXXXThank you for your prompt attention to this matter. I look forward to your immediate XXXXresponse in XXXX days! XXXX XXXXSincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
The Following inquiries were not authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The Following inquiries were not authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Issue : A collection account was reported without ever notifying me of any balance or providing an opportunity to pay. 

Details : I have lived at XXXXXXXX XXXX XXXX XXXX XXXX in XXXX for five years. Earlier this year, I transferred from a previous unit to my current unit in the same apartment community. I recently discovered a {$300.00} collection from Rentedebt Automated Collections on my credit report. I was never informed by the apartment office or the collection agency that I owed any balance.

I did not receive any email, phone call, mailed letter, or resident portal notice about this charge. The apartment office confirmed can not provide any information or documentation about this alleged balance, and I was never given any opportunity to review or pay the amount before it was sent to collections.

Because I was not notified, the debt was never validated, and this collection was reported without proper communication, which has significantly damaged my credit. I am requesting that the CFPB investigate how this debt was verified, what notice was provided ( if any ), and require the furnisher to provide evidence or remove the collection from my credit report.

Requested Resolution : Provide proof of notice and validation of the alleged debt, or Remove the inaccurate collection from all credit bureaus, and Confirm the correction in writing.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Sir, Madam. 

I am XXXX XXXX, international student, at XXXX XXXX. I study law for my master 's degree. I am here to file a compliment due to my card. I believe it is fraud, since I already made a call twice to CHASE Bank.

I haven't received my card yet for 3 weeks since I opened my account, so I tried to call the Chase Bank. Once, they told me that they couldn't send me the card for rush delivery service since I don't have SSN, the only way they can do is I have to go to the bank. At that time I said I will have tight schedule since I would like to prepare my final exam. They didn't give me an answer and suddenly they hang up the phone.

Secondly, the lady kept me waiting, she kept silent and being rude to me, because she said I over explained. I didn't even say any bad words, I tried to explain in detail but the lady got mad at me and cut me when I tried to explain more. ( I have recorded for both of that cases, so incase I sue Chase Bank, it can be my evidence ).

The most important thing is, their system said it was received by someone, but until now I haven't received it. They also have no idea about it, I mean how can't you do this to the customer, it is really unsecured! I am afraid they will take my money since THEY LIED MANY TIMES.

Please help me, they even mock at me as international student. It is so rude Thanks for your attention and understanding. I do really appreciate your help.

Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally disputing the accuracy and validity of the account that XXXX XXXX  is reporting on my credit file XXXX. This account is being reported with two different balances, which is factually inaccurate and violates the FCRA requirement for maximum possible accuracy : Experian & TransUnion : {$750.00} Equifax : {$990.00} These conflicting balances are impossible to be simultaneously accurate and prove that the information being furnished is unreliable, incomplete, and not being maintained with proper procedures for accuracy under 15 U.S.C. 1681e ( b ). 

Additionally, I contacted the alleged original creditor for verification, and they could not confirm or validate this debt. XXXX has also failed to provide any proof of ownership or supporting documentation. Because the information is unverified, inconsistent, inaccurate, and therefore misleading it must be removed under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
I am formally disputing the accuracy and validity of the account that XXXX XXXX  is reporting on my credit file XXXX. This account is being reported with two different balances, which is factually inaccurate and violates the FCRA requirement for maximum possible accuracy : Experian & TransUnion : {$750.00} Equifax : {$990.00} These conflicting balances are impossible to be simultaneously accurate and prove that the information being furnished is unreliable, incomplete, and not being maintained with proper procedures for accuracy under 15 U.S.C. 1681e ( b ). 

Additionally, I contacted the alleged original creditor for verification, and they could not confirm or validate this debt. XXXX has also failed to provide any proof of ownership or supporting documentation. Because the information is unverified, inconsistent, inaccurate, and therefore misleading it must be removed under the Fair Credit Reporting Act.

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