vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am submitting a formal complaint regarding inaccurate, inconsistent, and unverifiable information appearing on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), 609 ( a ) ( 1 ), and 604 ( a ), as well as Metro 2 compliance standards. 

On XX/XX/year>, XX/XX/year>, and XX/XX/year>, I submitted multiple formal disputes directly to the credit reporting agencies concerning both inaccurate tradelines and unauthorized or unverifiable credit inquiries. 

The accounts and inquiries disputed include, but are not limited to : Unauthorized inquiries by XXXX XXXX ( TransUnion ), XXXX XXXX  ( Experian )XXXX XXXX XXXX XXXXXXXX XXXX ( Experian ), which violated FCRA 604 ( a ) ( lack of permissible purpose ).

Inaccurate account reporting related to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX involving conflicting Dates of Last Activity, inconsistent High Credit amounts, differing Credit Limits, incorrect Past Due balances, and illegal double reporting of balances after charge-off while collection accounts also reported.

I formally requested the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 6 ) for all disputed items. The credit reporting agencies failed to provide proper MOV, failed to correct the inaccura
te data, and failed to delete unverifiable information within the 30-day investigation window, violating FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ). 

I have attached copies of my dispute letters submitted on XX/XX/year>, XX/XX/year>, and XX/XX/year> for CFPB review. 

Due to the agencies failure to properly reinvestigate and their repeated violations of FCRA and Metro 2 guidelines, I am requesting that the CFPB intervene and require the credit reporting agency to permanently delete all inaccurate, unverifiable accounts and

unauthorized inquiries as the lawful and fair remedy.

Retention of inaccurate tradelines and unauthorized inquiries is causing ongoing harm to my creditworthiness and violates my federal consumer rights.

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 2025-04-26 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * XX/XX/XXXX Balance : {$0.00} Late/Closed 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 non-monetary relief
Consumer complaint received 2025-04-26 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX * * * * * * Date Opened : XX/XX/year> Balance Owed : $ XXXX Chargeoff

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 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I attempted to make a {$44.00} clothing purchase using my PayPal Debit Card. My PayPal balance had over {$100.00} available, but the transaction was declined.

I contacted PayPal customer service four separate times. On the first call, I was told to wait four hours and then try the transaction again. I waited until the next day ( XX/XX/year> ) and attempted the transaction again, but it was still declined. 

I contacted PayPal support again and was placed on hold for XXXX minutes each time. After four total calls, my calls were disconnected or the issue was left unresolved. Eventually, a representative called me back and informed me there was nothing they could do, and suggested that I transfer my PayPal balance to an external account. This would cause me to lose the 5 % cashback benefit that PayPal advertises for using their debit card.

No clear explanation was given for why my transaction was declined despite sufficient funds and a functioning PayPal Debit Card.

I am requesting the following resolution : Immediate removal of any internal holds or flags preventing legitimate transactions on my PayPal Debit Card.

Compensation for the inconvenience, wasted time, and financial harm from being denied access to the 5 % cashback benefit.

A detailed written explanation regarding why my transaction was declined and why customer support was unable to provide a solution after multiple contacts.

As a PayPal user, I expect reliable access to my funds and professional handling of transaction issues. This experience has been unacceptable and must be addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
CITI bank has a credit card that has been in my name since XXXX. I did not authorize or give authorization for this credit card. 

CITI 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime ran a referral promotion stating that if a referred person made a qualifying direct deposit of {$200.00} or more within 45 days, the person referring would receive {$200.00} and a {$10.00} SpotMe bonus, and the person referred would receive {$100.00}. 

I referred a friend who used my referral link. On XX/XX/XXXX, at XXXXXXXX XXXX., he received a qualifying direct deposit of $ XXXXthe exact date the promotion was set to end. 

Although my Chime app displayed that the promotion had " expired, '' I immediately called XXXX support line. A representative confirmed that the deposit was made on time and that we had met all the conditions. They stated both my referral and I would receive the bonuses. 

Chime then gave my referral {$100.00} and gave me {$100.00} with the promise that I would receive the remaining {$100.00} and {$10.00} SpotMe within seven calendar days. 

After that time passed, I called Chime again on XX/XX/XXXX and was told that I would not receive any further bonuseven though a prior representative clearly stated I would. 

I followed all terms of the promotion and was initially acknowledged as eligible. Chime has since refused to honor their full offer. I also contacted Chime twice via email to resolve this issue, and both times they denied the remaining reward with no valid explanation. 

I am asking Chime to honor their original agreement and issue the remaining {$100.00} and {$10.00} SpotMe bonus as promised. 

I contacted Chime again XXXX XXXX and was told I needed to call back with the person I referred XXXX XXXX. 
So I called back on XX/XX/XXXX with XXXX XXXX. 
XXXX to XXXX with the confirmation by XXXX and XXXX both superviors saying I qualify and that they would expedite the funds within a few hours. 
I received an email at XXXX stating that a specialized team was looking into my account. So once again I was lied to by Chime supervisors. 
XX/XX/XXXX at XXXX received email asking for referred persons information which I did send and received an email confirming they would investigate my account with the information that could take up to 4 hours. 

Chime has not followed through with the promotion they promoted even after they said they would after confirming I did qualify.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I have complained and complained. I have proof of all the calls and disruption to my life.

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 2025-04-26 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:
To All The Credit Bureaus ; Equifax, Experian, Transunion and XXXX Requests : XXXX ) Beware of fraudulent activity from all third parties, such as credit repair companies or credit clinics, consumer credit counseling services ( cccs ). I do not give authorization to anyone to do anything on my behalf. Please only accept request directly from me by mail only, with verification of identity. 

XXXX ) Please only accept disputes and request from me, " by mail only, with verification of identity. '' To stop the ongoing fraudulent activity of disputes. To remove and/or make changes to my extended fraud alert, security freeze, and consumer statement. 

XXXX ) Please remove all phone numbers from my contact and extended alert. If needed place my current XXXX XXXX XXXX for contact. 

To Equifax, For over XXXX years now, I have contacted you several times to find a solution to stop the ongoing fraudulent disputes and fraudulent requests. All request denied or only lasted for XXXX month. Due to neglect to resolve this ongoing issue my credit reports are covered like a blanket with fraudulent FCRA disputes and fraudulent comments. Over XXXX times my profile identification information was replaced by a fraudulent profile identification. Yes. Identity theft occurred inside the credit bureau. The last accurate credit report was on XX/XX/year> Confirmation # XXXX with all my accounts posted. XXXX days after that report, the sabotage of my credit report began intensely. Currently most of my accounts are not posted, continuously ongoing fraudulent disputes. I also requested to remove the phone number from my extended fraud alert, the number is still present. Please use my current XXXX XXXX XXXX for contact for the extended fraud alert. 

To Experian, Thank you for great service! But, I have requested several times to remove the phone number from my extended fraud alert, please remove. If need a contact, use my current XXXX XXXX XXXX. 

To Transunion and XXXX, Sincerely, thank you for amazing great service!!! Faithfully cautious of suspicious activity and notifying me before going forward. Thank you! Thank you! 

I will also mail this notification to all the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt from me. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Please provide the following information : 1.

The name and address of the original creditor.

2.

The original account number associated with the debt.

3.

The amount of the original debt and an itemized breakdown of any additional fees, interest, or charges added.

4.

Proof that you have the legal right to collect this debt, including a copy of the assignment or purchase agreement transferring the debt to your agency.

5.

Copies of any signed agreements or contracts establishing my liability for this debt.

6.

Proof that the debt is within the applicable statute of limitations.

7.

Copies of any judgments obtained against me ( if applicable ).

8.

The full name and address of any previous collectors who have attempted to collect this debt.

Until I receive the requested information, I am disputing this debt in its entirety. Under the FDCPA, you are required to cease collection efforts until this debt is validated. If you fail to provide proper validation, I will consider this matter resolved and expect no further communication regarding this debt.

Additionally, any reporting of this unvalidated debt to credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if necessary. 
Please respond to this request in writing at the address provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: MN

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not open or approve these accounts and do not recognize them. As outlined in USC 1681g, I am requesting their removal within 15 days. Enclosed are supporting documents for your detailed review. Please note that the information being reported differs across credit bureaus, indicating inaccuracies.

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 2025-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
on XX/XX/year> they restricted my account when I attempted to send XXXX off their platform. They have requested documentation to verify my identity that I have provided numerous times and my account is still restricted. It is effecting both my XXXX and my retirement accounts as I can not place any trades or withdraw any of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am requesting that the company validates this debt that I allegedly owe. They have provided no documents to me. I have not done business with this company but somehow they are sharing my personal and private information with multiple persons without my consent or permission, which is by law identity theft and a violation of my right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: GA

Complaint narrative:
The following debts MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, Senate Bill 5480.

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 2025-04-26 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am respectfully requesting your assistance regarding several potential violations of the Fair Credit Reporting Act ( FCRA ) committed by multiple creditors, which have adversely impacted my credit report.

Under 15 U.S.C. 1681, Section 602, I am entitled to the right to privacy in the handling of my personal and financial information. Furthermore, pursuant to 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing information concerning my accounts without my written authorization.

Additionally, under 15 U.S.C. 1666b, creditors are not permitted to treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, provided the payment was received by the due date and in accordance with the terms specified. 

The creditors involved in this matter are as follows : XXXX XXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX, Goldman Sachs Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am disputing the reporting of late payments associated with these accounts, as I believe they XXXX have been inaccurately recorded or improperly reported in violation of my rights under federal law. 

I respectfully ask for the CFPBs assistance in investigating these concerns and ensuring that my rights as a consumer are properly upheld. I am prepared to provide any additional documentation or information necessary to assist with your review. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am respectfully requesting your assistance regarding several potential violations of the Fair Credit Reporting Act ( FCRA ) committed by multiple creditors, which have adversely impacted my credit report.

Under 15 U.S.C. 1681, Section 602, I am entitled to the right to privacy in the handling of my personal and financial information. Furthermore, pursuant to 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing information concerning my accounts without my written authorization.

Additionally, under 15 U.S.C. 1666b, creditors are not permitted to treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, provided the payment was received by the due date and in accordance with the terms specified. 

The creditors involved in this matter are as follows : XXXX XXXX ( XXXX ), XXXX XXXX, Bank of America, XXXX XXXXXXXX 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 

I am disputing the reporting of late payments associated with these accounts, as I believe they may have been inaccurately recorded or improperly reported in violation of my rights under federal law. 

I respectfully ask for the CFPBs assistance in investigating these concerns and ensuring that my rights as a consumer are properly upheld. I am prepared to provide any additional documentation or information necessary to assist with your review. 

Thank you for your time and attention to this matter.

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