vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This is my second follow-up for previously disputed accounts and a new dispute for additional accounts I recently found on my credit report. 
After reviewing my updated credit file, I noticed that : Some accounts I disputed before are still being reported even though they have not been properly verified. 
Other new accounts are now showing with inaccurate, incomplete, or questionable information. 
Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611 ( a ), credit reporting agencies must maintain maximum possible accuracy and conduct a reasonable reinvestigation whenever a consumer disputes an account. 
________________________________________ Accounts I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am a victim of identity theft and fraud. I informed the bank of fraudulent charges and filed a dispute of the charges. An unauthorized person gained access to my card and made various charges on my account. One example I checked out of Hotel but someone extended to the stay at the hotel for additional days. Also other charges. I filed the dispute in timely manner and first dispute was done over the phone and was not processed then filed another dispute in person at local bank branch with a personal banker, still to no resolved. Without any clarification I get a notice from the bank stating account closed with the balance due for the amount of the fraudulent charges that should have been refunded to me for {$1000.00} and now reporting it negatively as account abuse through XXXX XXXX which is keeping me from obtaining an Account with any other Banking institutions.

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 2025-10-08 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: AZ

Complaint narrative:
PayPal has been unlawfully holding a large sum of my money for over two months. I routinely deposited funds into my PayPal account for legitimate business and personal use, and they abruptly restricted my account without valid explanation. Each time Ive contacted support, Ive been told the issue would be resolved in three days, yet weeks have passed with no action. I have submitted every document they requested for verification, but more than 30 days later, they still have not reviewed or acknowledged the information. Instead, they continue providing vague or false updates and shifting excuses. This is a serious and ongoing issue involving a substantial amount of money, and it appears that PayPal is deliberately stalling or mishandling my funds. I am requesting immediate investigation and intervention by the CFPB to compel PayPal to release my funds and provide a transparent explanation for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX opened 3 CC accounts without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-10-08 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Called on thursday XXXX XXXX XXXX at XXXX in reference to a derogatory mark on my credit from the agency. spoke with customer service about this account by me making contact with them on XXXX XXXX XXXX at XXXX from a missed call. on XX/XX/XXXX they placed me on a recorded line and i placed them on a recorded line. they advised me of a debt with XXXX ( XXXX XXXX XXXX ) and stated i owed XXXX dollars. i advised them that debt was paid in full prior to purchasing my house and i would like verification of the debt. they agreed to send verification of the debt to my email of which i never received. i provided updated address and phone number to them during this call. on XX/XX/XXXX i saw they reported to my account and never verified the debt. i made contact again and they advised they didnt have the information to verify in time and opened another account with my information and reported it to the credit bureaus. i once again asked them to remove it, verify the debt, and provided my updated demographic information. the debt has yet to be verified or removed from my credit report by transworld systems inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this CFPB complaint to formally demand validation of the alleged debt being reported by LVNV Funding LLC. My attached validation request letter lists the specific documents they must produce under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. I am deliberately using the CFPB system to ensure my request is officially recorded, forwarded, and enforced. LVNV Funding LLC can not lawfully continue reporting or collecting without proper validation. 
I also demand information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : A. The Date of First Delinquency ; B. The date the account was charged off ; and C. The date the account was acquired by or assigned to LVNV Funding LLC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: AZ

Complaint narrative:
My original complaints were submitted according to guidelines. The CFPBs guidance ( such as in its Circular XXXX on reasonable investigation of consumer reporting disputes ) emphasizes that furnishers and consumer reporting agencies must not erect improper barriers to dispute investigations. 
Consumer Financial Protection Bureau, If no adequate verification is produced, failure to delete or correct the entry will constitute a violation of my rights under FCRA. I expect this complaint to be acknowledged, assigned a tracking number, and handled per CFPB rules and timelines.

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 2025-10-08 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
My original complaints were submitted according to guidelines. The CFPBs guidance ( such as in its Circular XXXX on reasonable investigation of consumer reporting disputes ) emphasizes that furnishers and consumer reporting agencies must not erect improper barriers to dispute investigations. 
Consumer Financial Protection Bureau, If no adequate verification is produced, failure to delete or correct the entry will constitute a violation of my rights under FCRA. I expect this complaint to be acknowledged, assigned a tracking number, and handled per CFPB rules and timelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
saying I owe them and now unable to open an bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
Summary of Complaint I am the victim of identity theft. Multiple fraudulent accounts and unauthorized inquiries have been placed on my credit reports with Equifax, Experian, and TransUnion. I have formally disputed these accounts and inquiries under the Fair Credit Reporting Act ( FCRA ), including 609, 611, and 605B, which require reinvestigation, deletion, and blocking of fraudulent information within four ( 4 ) business days upon receipt of proper documentation. 

Despite sending dispute letters with copies of my government-issued identification, proof of address, Social Security card, and an FTC Identity Theft Report, the bureaus have failed to remove all of the fraudulent accounts and inquiries. 

Details of Harm Fraudulent Accounts Reported : Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others were opened without my knowledge or authorization and are the result of identity theft These items continue to appear on my credit file despite my dispute and identity theft declaration. 

Unauthorized Hard Inquiries : Numerous hard inquiries by auto lenders and finance companies ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  etc. ) were not authorized by me The bureaus have failed to provide proof of permissible purpose under FCRA 604.

Failure of the Bureaus : The credit bureaus have failed to properly block, delete, or correct the fraudulent items within the required timeframe under FCRA 605B. 

This has caused ongoing harm to my creditworthiness, financial stability, and ability to obtain credit and housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

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 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Subject : Follow-up Complaint Unexplained Account Closure and Repeated Communications ( Possible Discriminatory Action ) Reference : Prior CFPB Complaint No : XXXX Dear Consumer Financial Protection Bureau , I am submitting this follow-up complaint regarding JPMorgan Chase Banks handling of my checking account ending in XXXX. 
My account was closed on XX/XX/year>, without any clear explanation or prior notice. When I requested clarification, the bank only cited the general clause in its Deposit Account Agreement, stating that either party may close the account at any time for any reason or no reason. However, under Illinois law and Chases own contractual duty of good faith and fair dealing, such actions must still be conducted with fairness, transparency, and in accordance with non-discriminatory practices. 
The initial issue raised by Chase concerned my Social Security Number, which was later verified as accurate. Despite this, my account was closed shortly afterward without justification. I am concerned that the decision may have been influenced, directly or indirectly, by factors such as my race, ethnicity, or national origin. If true, this would constitute discrimination prohibited under both federal civil rights laws ( including the Equal Credit Opportunity Act ) and Illinois state law. 
Additionally, I continue to receive letters from Chase, most recently dated XX/XX/year>, requesting that I complete XXXX Form XXXX to verify my Social Security number. This is the third such letter I have received, even though my account was already closed. These repeated and contradictory communications raise concerns about Chases internal procedures, record management, and the handling of my personal information. 
I respectfully request that the CFPB investigate : * The reason and process behind my account closure * Whether any discriminatory or biased factors played a role in the decision * The banks compliance with Illinois standards of good faith and fair dealing * The repeated post-closure communications and potential mishandling of my data Attached are copies of the letters I have received, including the most recent XXXX correspondence. 
Thank you for your attention and for ensuring accountability and fairness in this matter. 
Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: NY

Complaint narrative:
revise : I am submitting this complaint because the consumer reporting agency has failed to comply with its legal obligations under XXXX U.S.C. XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information upon a consumers request. I formally requested this information, including the name and contact information of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. However, the agency failed to respond within the XXXX period required by law. This failure to provide the requested details constitutes a violation of my rights under the FCRA.

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 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. U. S. C. 
XXXX ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX  C - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am placing this complaint as I have reviewed my credit report and I have addresses on this report that do not belong to me. I have numerous amounts of charge off and close the accounts that are not mine at all, especially a lot from the XXXX Department of Education, which those accounts have been XXXX, they do not belong on my credit report. I have charge offs that do not belong to me. Ive never applied for any of these accounts and I have inquiries that I did not authorize to be used and I have collection accounts that Ive never opened any of those accounts.

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 2025-10-08 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ CB INDIGO ] Account Number : [ XXXX XXXX XXXX XXXX XXXX ] FCRA SECTION XXXX RIGHT TO PRIVACY ( XXXX U.S.C. XXXX ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION XXXX ( a ) ( XXXX ) NO WRITTEN AUTHORIZATION GIVEN ( XXXX U.S.C. XXXX ) Pursuant to XXXX U.S.C. XXXX ( a ) ( XXXX ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION XXXX IMPROPER LATE PAYMENT DESIGNATION ( XXXX U.S.C. XXXX ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under XXXX U.S.C. 
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