vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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:
A few weeks ago I reviewed my credit report and discovered several accounts and hard inquiries that I never authorized. There is no document proving that I ever gave permission for these entities to access my information or report anything on my file.

When I saw this, I became concerned because it had already affected me without my knowledge. I was denied a loan I needed, and on another financing I received a higher interest rate than I should have. I was being harmed by this situation.

I did what the law requires I filed a report with the FTC and submitted it directly to the credit bureau. Under FCRA 605B, when a consumer submits that report, the bureau has four business days to block the disputed information, unless it can prove with actual documentation that the consumer authorized those accounts. In my case, that proof does not exist, because I never authorized anything.

Despite completing the entire process, the information is still appearing on my report. The bureau has not shown me any evidence that I authorized those accounts or inquiries.

Furthermore, FCRA 604 is clear : no one can access my credit history without a permissible purpose. These inquiries were made without my consent and without any legitimate business relationship with me.

And FCRA 607 ( b ) requires bureaus to maintain reasonable procedures to ensure that information is accurate. The fact that they continue to report accounts and inquiries with no documentary support shows that those procedures are not working.

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 2025-12-15 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: OH

Complaint narrative:
I initiated a remittance transaction intended for urgent medical expenses. Despite the payment being processed, and also marked delivered on their application the funds have not been delivered to the beneficiary, nor have they been refunded to me. This prolonged delay has caused significant financial hardship. 

I have contacted Abounds customer support multiple times. Unfortunately, the support experience has been extremely poor responses are delayed, inconsistent, and fail to provide any concrete explanation or resolution timeline. To date, the issue remains unresolved. 

I chose this application because it is publicly promoted as being backed by the XXXX XXXX XXXX XXXX, which gave me confidence in its credibility and compliance standards. However, the handling of this transaction raises serious concerns regarding consumer protection, transparency, and fair financial practices. 



Please find below my transaction details for reference : Consumer Name : XXXX XXXX Date of Transaction : XX/XX/year> Amount : {$3000.00} Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am filing a complaint against PayPal for failing to properly investigate a fraudulent chargeback, ignoring documented evidence of forgery, and seizing {$1000.00} USD of my own funds to apply toward an illegitimate negative balance. 

In 2025, renters at my Pennsylvania property created and submitted forged documents to justify a fraudulent chargeback. These documents included : A fabricated cancellation letter claiming a medical emergency that never occurred. 

A forged rental agreement containing multiple misspellings of my name ( XXXX, XXXX, XXXX XXXX, an incorrect ZIP code, inaccurate address information, terms I never offered, and a signature that is not mine. 

Both documents contain obvious signs of fraud, including inconsistent identity details, incorrect personal information, and poor grammar. 

I submitted these forged documents to PayPal and they were also reviewed by XXXX, the renters issuing bank. XXXX  own insurance adjuster provided these documents to me and stated clearly that the chargeback was NOT warranted. Despite this, both XXXX and PayPal proceeded with the chargeback and ignored the evidence of forgery. 

Even after receiving proof of fraud : PayPal approved the fraudulent chargeback PayPal created a negative balance of {$3200.00} PayPal withdrew {$1000.00} from my PayPal balancemy own funds earned legitimatelywithout my consent PayPal initiated collections activity against me The {$1000.00} removed from my account was not related to the renters payment ; it belonged to me and was improperly seized to cover a debt I do not owe. 

This situation involves : Identity misrepresentation Submission of forged documents Failure of PayPal and XXXX to conduct a reasonable investigation Direct contradiction of the insurance adjusters finding that the chargeback was not justified Improper seizure of my funds Unwarranted collections activity I request that the CFPB require PayPal to : Reverse the fraudulent chargeback. 

Eliminate the alleged negative balance of {$3200.00}. 

Restore the {$1000.00} that PayPal improperly removed from my account. 

Halt all collection actions immediately. 

Correct all internal records to reflect that the documents submitted by the renter were forged and not created or signed by me. 

Provide written confirmation that my account is restored with no negative marks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
b'Dear: CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX, XXXX, XXXX  XXXX XXXX XXXX has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  \XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx. 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 2025-12-15 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: FL

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint regarding inaccurate and incomplete information on my credit reports. I am disputing the following accounts and inquiries under the Fair Credit Reporting Act ( FCRA ) for the reasons mentioned below. Please review the accounts listed and correct the discrepancies as soon as possible. 

Charged Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$2700.00} Inquiries : XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Late Payments : 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 2025-12-15 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-15 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: OneMain Finance Corporation
State: VA

Complaint narrative:
I have inquires on my credit report that I did not authorize and would like them removed immediately. 

XXXX XXXX One Main Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Inquiries XXXX XXXX Date : XX/XX/XXXX Late Payments XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : 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 2025-12-15 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: FL

Complaint narrative:
I am disputing the following accounts with Experian, as they are reported inaccurately or are not being handled according to the Fair Credit Reporting Act ( FCRA ). These accounts include charged-off items, inquiries, and late payments that I believe require investigation and correction : Charged Off Accounts : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} I am disputing this account due to inaccurate reporting of the balance or payment history. Please review the account and correct any discrepancies. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} This account was charged off, and I am disputing the reporting details for its balance. The accuracy of the account should be verified. 

Inquiries : I am also disputing the following inquiries as they may not have been authorized or were mistakenly recorded. These inquiries may have impacted my credit score : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payment : There is a reported late payment that needs verification : XXXX  XXXX Account Number : 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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I went to the atm machine at the bank yesterday Sunday, XXXX, XXXX, XXXX  and to deposit cash in my bank account and the atm machine took my money, i deposited {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally dispute a missing ATM cash deposit made on XX/XX/year>, at approximately XXXX XXXX. 

Address of the Citibank ATM is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the checking Account number : XXXX We used the card ending XXXX US Debit XXXX Checking Account Name is under XXXX XXXX and XXXX XXXX On the above date and time, my husband, XXXX XXXX, attempted to deposit {$2100.00} in cash into a Citi Bank ATM located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. During the transaction, the ATM malfunctioned/broke, and the transaction was not completed. The ATM did not return the cash, and no credit was posted to the account. 

Despite this, we have been informed that Citi Banks records indicate that no deposit was made. This is incorrect. The cash was physically inserted into the ATM, and the machine failed during the transaction. 

We are formally requesting that Citi Bank : Conduct a full ATM investigation, including : Review of ATM camera footage from the date and time of the incident Review of ATM cash balancing records for that machine Review of error logs for the ATM at the time of failure Credit the account for the missing {$2100.00} once the investigation confirms the discrepancy. 

ATM machines are equipped with cameras and internal balancing systems specifically for situations such as this. These records should clearly show that the cash was deposited into the machine and not returned. 

Please consider this letter as an official dispute and request for investigation. We expect written confirmation of this claim and timely resolution in accordance with Citi Banks dispute procedures. 

Thank you for your prompt attention to this serious matter. We look forward to your response. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( 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 monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing a complaint regarding PayPals improper handling of a transaction dispute involving digital goods.

I operate a business PayPal account under an EIN. A customer filed an Item Not Received ( INR ) claim for digital goods, which by nature do not involve physical shipment or carrier tracking. Despite this, PayPal evaluated the dispute using physical-goods delivery standards. 

I provided clear evidence during the dispute process showing successful digital delivery, including access provision, delivery confirmation, and usage indicators. This evidence was uploaded prior to the case closure. PayPal nonetheless ruled in favor of the buyer, citing inability to confirm delivery, which is not an appropriate standard for digital transactions. 

As a result, PayPal refunded the buyer and placed a negative balance of approximately {$2500.00} on my business account. This decision was made without proper consideration of the evidence provided and without acknowledging that INR claims are frequently misapplied to digital goods.

I am requesting that PayPal : 1. Conduct a manual supervisory review of the dispute, 2. Reevaluate the evidence submitted under standards applicable to digital delivery, 3. Reverse the improper debit or otherwise resolve the balance fairly, and 4. Cease any collection activity related to this disputed amount while the matter is under review.

This issue represents a systemic problem in how PayPal handles digital-goods disputes and exposes sellers to buyer misuse of INR claims.This is incredibly discouraging to young entrepreneurs and small businesses especially in the digital, online, and marketing communities. I am requesting CFPB assistance to ensure the dispute is reviewed fairly and in accordance with the nature of the transaction.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Good Afternoon, I am being aggressively pursued by CareCredit for {$930.00} on a debt where I have already paid {$1900.00} ( 85 % of the original {$2300.00} charge ). CareCredit is attempting to collect 125 % of the original debt through predatory deferred interest practices. 
ACCOUNT DETAILS : Account : XXXX XXXX XXXX XXXX Original charge : {$2300.00} ( XX/XX/XXXX ) for emergency XXXX XXXX Amount paid : {$1900.00} ( 85 % of debt ) Balance when promo expired : {$570.00} Deferred interest charged : {$580.00} ( MORE than remaining balance ) Current balance : {$930.00} Total collection attempt : {$2800.00} ( 125 % of original debt ) PREDATORY PRACTICES : 1. Deferred interest exceeded remaining balance : When my promotional period expired on XX/XX/XXXX, I had reduced the balance to {$570.00} through consistent $ XXXX monthly payments. Despite paying 85 % of the debt, CareCredit assessed {$580.00} in backdated interest - a penalty that EXCEEDED my remaining balance. 

CURRENT SITUATION : I am experiencing severe financial hardship ( divorce proceedings, reduced income, medical bills ). I have zero capacity to make payments. I am being harassed with : Daily phone calls to XXXX, XXXX Text messages every other day stating " This is to collect a debt '' Multiple emails demanding payment I called CareCredit in XX/XX/XXXX and was transferred between representatives for over 35 minutes, ultimately told " they couldn't do anything '' despite CareCredit having hardship programs. I was worn down and gave up. They said they would send me to the resolution department but never followed up.

The balance has increased from {$840.00} in XXXX to {$930.00} now due to additional late fees and interest- despite my having already paid 85 % of this debt over 15 months.

WHAT I'M REQUESTING : CFPB investigation into deferred interest practices that result in 125 % collection on medical debt Intervention to stop collection on this predatory debt Complete debt forgiveness given I've paid 85 % and the remaining balance is predatory interest/fees Alternative : Settlement for minimal amount ( $ XXXX max ) given my 85 % repayment and documented hardship I can not pay this debt. My only alternatives are : Bankruptcy filing ( CareCredit receives {$0.00} ) Continued non-payment and regulatory complaints I have complete documentation, including all statements showing the {$2300.00} original charge, {$1900.00} in payments, and the {$580.00} deferred interest bomb that exceeded my remaining balance.

This is predatory lending on emergency medical debt and I am requesting immediate CFPB intervention.

Thanks in advance,

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 2025-12-15 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several items listed on my TransUnion credit report. After reviewing my credit file, I found discrepancies that violate the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in dispute : Personal Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Birth : XX/XX/1981 SSN : XXXX XXXX XXXXXXXX 1. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00} Date Opened : XXXX Discrepancy : The account is listed as " Unpaid balance reported as a loss, '' which violates FCRA Section 1681e ( b ) for accurate reporting of credit information. 2
. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} Date Opened : XXXX Discrepancy : The reporting on this account is inconsistent and marked Charged off inaccurately. This violates FCRA Section 1681e ( b ).

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