vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : FCRA Violation Reinserted Account Dispute Accounts in Question : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Revolving Date Deleted : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Revolving Status : Reinserted after prior deletion To Whom It May Concern, This letter is a formal dispute concerning the improper reinsertion of multiple accounts that were previously deleted from my TransUnion credit file. Both accounts have been reinserted without proper certification or consumer notice, violating the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), TransUnion may not reinsert deleted information unless the furnisher certifies in writing that it is accurate and complete. Furthermore, the agency must provide written notice within XXXX business days of the reinsertion, including the name, address, and phone number of the furnisher. 
I have received no written confirmation or certification documentation, meaning TransUnion failed to meet these legal requirements. This reinsertion is therefore unlawful and represents a willful violation of the FCRA. Both accounts also report inaccurate and unverifiable information, violating 1681e ( b ) concerning maximum possible 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 non-monetary relief
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
I have no ties to the listed creditors and did not approve this inquiry. Kindly delete it from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need 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 non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
Back in XXXX my cashapp account got hacked and I told cashapp that someone tried to deposit a check and someone stole my money on my cashapp which ended up making my account go into closure and I told them this amd they still couldn't help me with getting back my money nor my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Despite paying the account in full, its still being reported with late remarks.

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 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/XXXX, I made a purchase for {$610.00} from XXXX XXXX XXXX through PayPal, funded by my checking account. On XX/XX/XXXX, I filed dispute XXXX because the transaction was incorrect. PayPal denied the dispute, claiming the purchase was not covered, and cited policy terms that did not exist at the time of my transaction or my dispute. 

PayPals own Legal Agreement Updates show the new Purchase Protection exclusions took effect XX/XX/XXXX, XXXXtwo weeks after my payment and three days after I filed my case. Applying those new exclusions retroactively violates Section 1.6 of PayPals User Agreement, which states that the version in effect at the time of the transaction governs. 

Additionally, PayPal issued an instant automated denial email stating the transaction was processed correctly, with no evidence of any manual review. This violates Regulation E ( 12 CFR 1005.11 ( c ) ), which requires a reasonable investigation for disputed electronic fund transfers from a consumer account. 

The companys actions constitute unfair and deceptive business practices under 15 U.S.C. 45 ( FTC Act ).

Timeline : XX/XX/XXXX Purchase via PayPal ( {$610.00} ) XX/XX/XXXXXXXX  Dispute filed with PayPal XX/XX/XXXX PayPal policy change effective date XX/XX/XXXX PayPal Legal Agreement Changes notice emailed to users Shortly after Instant denial citing processed correctly. 

Requested resolution : Require PayPal to reopen and adjudicate the dispute under the XXXX XXXX, XXXX Purchase Protection terms, refund the full {$610.00}, and correct its automated-denial procedures for Regulation E compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: MI

Complaint narrative:
On XX/XX/year>XXXX  at XXXX XXXX  ET, I deposited a {$76000.00} insurance settlement check from XXXX ( via XXXX XXXX ) into my ETRADE Max-Rate Checking account ending in XXXX. It was confirmed as processed that eveningref # XXXX. I never saw a dimenot even the {$220.00} federal provisional credit Im owed under Regulation CC. On XX/XX/XXXX, they locked the account for unusual activity. I called. No help. XX/XX/XXXX, rep XXXX lied, said hed verify with XXXX XXXX XXXX, called XXXX instead, then said : bad news. Theyre closing the account. Wont return money until I send police reports, insurance claim, license, selfie. All for a check that already cleared. Im not a criminal. That was my robbery settlement. And without it, I lose my home, my car, my life. Theyre holding stolen money after admitting its mine. Thats not banking. Thats theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I am filing a complaint against Monterey Collection Services, which is reporting a collection account on my XXXX  credit report in the amount of {$2700.00}, allegedly owed to XXXXXXXX XXXX XXXXXXXX XXXX. 

I have never done business with this company and have no record of such a debt. XXXX has not provided any validation or documentation supporting their claim, even after I requested it in writing. 

Under FDCPA 809 ( b ) and FCRA 623, they are required to validate the debt and ensure accuracy before reporting or verifying it with a credit bureau. Their continued reporting of an unverified debt constitutes a violation of these laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central Research Inc
State: NY

Complaint narrative:
I was transferred from XXXX to CRI and placed in transfer forbearance through XX/XX/year>. During this transfer forbearance period, CRI/XXXX  should not have reported my loans as past due. Despite this, all 15 of my student loan tradelines are showing late payments on my credit reports. 



I also made a payment, and my online account clearly shows my next payment is not due until XX/XX/year>. Reporting late payments while I was in an active transfer forbearance and I am not currently due is factually inaccurate and has caused significant harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
After many failed attempts with trying to retrieve unauthorized funds from third parties. Theyve failed protect and / or make things right as far as taking care of the consumer. Ive went without toilet paper, and diapers for my baby on more than one occasion granted failed disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
I am filing this complaint against TransUnion LLC for unlawfully re-inserting previously deleted collection accounts from XXXX XXXX XXXX, and for allowing duplicate and inaccurate reporting by the original creditors XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX, XXXX  who sold the debts but continue to report active balances. Texas XXXX report # XXXX Between XXXX XXXX XXXX TransUnion deleted XXXX XXXX XXXX XXXX collection accounts following an investigation. My XXXX XXXX TransUnion report confirmed each XXXX account as Closed during this period. However, within days, TransUnion reinserted the same XXXX XXXX XXXX accounts without any written notice or certification of accuracy, in direct violation of FCRA 611 ( a ) ( 5 ) ( B ). 

In addition, the original creditors XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX have continued to report outstanding balances on these same accounts even after selling the debts to XXXX XXXX. This creates duplicate and conflicting data across my credit file, misrepresenting my liability and inflating my debt utilization for debt that was not validated under FCRA and FDCPA standards ad regulations Under the FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from knowingly reporting inaccurate information, and under 607 ( b ), TransUnion is required to maintain the maximum possible accuracy of information in consumer files. By continuing to publish both the sold accounts and XXXX  duplicates, TransUnion and these furnishers are jointly in violation of these provisions.

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 2025-10-09 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:
This account was fully settled, but late payment notations continue to appear.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I called and reported all fraudulent transactions and would like to dispute them. Then, around XXXX weeks later, I called again to follow up, found out that most of them were closed on my favor. But only XXXX transaction wasnt. They told me that because that transaction in the amount of {$2300.00} the merchant responded that the address is the same as my address ( card holder ). I requested to reopen the case again, they said yes, they will reopen and someone will contact me soon. Another called from me asked about the status of this case, they still told me that this case still open and know on XX/XX/XXXX. I called today and asked again, found out that it already closed and they will not refund the transaction {$2300.00}. they cant do anything after they closed since the last time. 

From the beginning until now, no one from the bank has contacted me by phone, mails or emails. 

From the merchant, I have no idea who this was, and never received anything from them, never received any merchandise, emails, phone calls, texts, invoices, receipts, order numbers, confirmations. Never did! 

Normally, banks will contact customers to confirm or verify the information from the merchants responded. But this case they never did, and left me suffering and accepted this fraudulent transaction {$2300.00} To be match with the address and made a decision that made me responsible for this fraudulent transaction while there are plenty of them at the same time. This is very sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Re : Formal Dispute and Demand for Debt Validation Pursuant to the FCRA and FDCPA To Whom It May Concern, This letter serves as a formal notice and demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) regarding inaccurate, incomplete, or unverified information appearing on my credit report.

Pursuant to 15 U.S.C. 1681i ( a ) of the FCRA, I am formally requesting that you conduct a reinvestigation of this disputed information, and that you provide me with a detailed description of the procedures used in your investigation ( as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) within fifteen ( 15 ) days of completing your reinvestigation. Furthermore, under 15 U.S.C. 1692g ( b ) of the FDCPA, I am requesting that the furnishing party provide competent evidence of the alleged debt, including but not limited to : A copy of the original contract or agreement bearing my signature A full itemization of the alleged debt, including all principal, interest, fees, and other charges The name and address of the original creditor. If the above-referenced account ( s ) can not be properly validated or verified in accordance with the law, you are required to delete the disputed information from my credit file and provide notice of the deletion to any party that has received a copy of my credit report within the past six months ( or two years if for employment purposes ), as provided under 15 U.S.C. 1681i ( d ). Please be advised that failure to comply with these statutory obligations may result in the filing of a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or initiation of legal action to enforce my rights. I expect your complete response within the timeframe mandated by federal law thirty ( 30 ) days from receipt of this notice, as set forth in 15 U.S.C. 1681i ( a ) ( 1 ).

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 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am served by an officer from this company to come to court for an account the bought for pennies and want me to pay extra for and court cost. This scamming has to stop. This is my first action on this matter. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I am writing to formally express my concerns regarding Chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
b'Subject: Dispute of Incorrect Personal Information on Credit Report\nDear Transunion,\nI hope this letter finds you well. I am writing to dispute certain items on my credit report that I believe to be\ninaccurate and unauthorized. After reviewing my credit report, I have identified the erroneous items that\nwere not authorized by me. I kindly request your assistance in investigating and rectifying these\ndiscrepancies.\nBelow are the items which I am disputing:\n1. Please update and remove this incorrect name from my credit report immediately. My correct\nname is XXXX XXXX XXXX XXXX2. Please remove these incorrect address(es) from my credit report immediately. My correct\ncurrent address is XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX  request that you conduct a thorough investigation into these matters and provide me with the results at\nyour earliest convenience. If you find that these items are indeed inaccurate or unauthorized, I\nkindly request the removal of these items from my credit report.\nI understand that you have 30 days to investigate and respond to my dispute, as stipulated by the\nFair Credit Reporting Act (FCRA). Your prompt attention to this matter is appreciated.\nPlease send me written confirmation once the investigation is complete and the inaccurate information\nhas been removed from my credit report.\nThank you for your prompt attention to this matter. I look forward to a swift resolution.'

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: CA

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

This is a formal complaint against APPLE CARD - GS BANK a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

APPLE CARD - GS BANK XXXX

Company response to consumer: Closed with explanation