vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I used mobile deposit to deposit a settlement check from my lawyer in the amount of {$6200.00} on Saturday XX/XX/XXXX. It is now 2 business days later ( XX/XX/XXXX ) and NO FUNDS are available. I called chase ( XX/XX/XXXX XXXX ) to ask what is going on and they refused to provide an explanation of why they are holding the check for 2 weeks. I said based on the expedited funds availability act that they are required to release some of the funds or provide an explanation of why they are able to do so. They refused to do either and simple said there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: Affirm Holdings, Inc
State: MI

Complaint narrative:
I am writing because the information your company is furnishing regarding the account listed under XXXX, XXXX, XXXX, appears to be inaccurate, incomplete, or unverifiable. As the original creditor, all information provided to any credit reporting agency originates from your internal records. Therefore, you are responsible for ensuring the accuracy, integrity, and completeness of the data being published. 
At this time, the information being reported including the Date of First Delinquency ( DOFD ) and other derogatory data does not appear to match the factual history of the account. Any discrepancy in the DOFD directly affects the reporting period and the negative impact on my credit profile. 
Because the accuracy of this information is in question, I am requesting strict proof of all data you are furnishing to the credit bureaus for this account. 
1. Request for Strict Proof of the DOFD and Reporting Basis To verify the accuracy of your reporting, please provide : 1. the original date the account first became delinquent, 2. complete payment history establishing the DOFD, 3. any internal records, system notes, or documentation used to determine this date, 4. and the exact DOFD you furnished to each credit reporting agency. 
If your records do not contain verifiable evidence of the original delinquency date, then any DOFD currently being reported is inaccurate. 
2. Request for Verification of All Information You Furnished Provide a full breakdown of all information you have transmitted to the credit reporting agencies regarding this account, including : 1. account status, 2. payment history codes, 3. charge-off details ( if applicable ), 4. balance information, 5. any remarks or comments, 6. and all XXXX XXXX fields submitted. 
This request is made to determine whether the data being reported is complete and supported by your internal documentation. 
3. Request for Full Account-Level Documentation To validate your reporting and ensure accuracy, please also provide : 1. the original contract or account application, 2. complete and unaltered payment history, 3. full internal notes related to the management, placement, or adjustment of the account, 4. any charge-off documentation ( if relevant ), 5. and any account-level data used to support your reporting. 
If you do not have these records, then the information being furnished may not be verifiable. 
4. Opportunity to Correct, Update, or Delete Inaccurate Information If your internal review reveals : 1. inaccurate reporting, 2. incomplete records, or 3. unverifiable DOFD information,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
Please assess the materials provided ; the inquiries were submitted without prior notification and may be unauthorized.

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 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I initiated an international money transfer through TapTap Send in the amount of USD XXXX. The funds were successfully sent but were later returned by the receiving bank ( XXXX ). Despite confirmation of the return, the amount of USD XXXX has not been credited back to me. 

Since XX/XX/XXXX, I have contacted TapTap Send multiple times by email and phone. Customer service agents XXXX, XXXX, and XXXX provided similar responses, stating the issue was under investigation and forwarded to the responsible department, without any resolution or clear timeline. 

I formally sent two extrajudicial notices, each granting a 24-hour deadline, both of which expired without compliance. 

The matter is extremely urgent. The amount of USD XXXX is intended for court-ordered child support and housing expenses, and the payment deadline has already passed. As a result, I face a real and imminent risk of legal consequences, including possible arrest, due to non-payment of child support. 

Due to the lack of resolution, I filed a complaint with the New York State Department of Financial Services ( NYDFS ) under protocol XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am submitting this supplement to document a new and serious procedural issue in TransUnion LLCs handling of my prior CFPB complaint regarding dispute reinvestigation practices.- After I submitted a CFPB complaint challenging TransUnions repeated reopening and extension of a credit dispute without consumer action, TransUnion recharacterized that CFPB complaint itself as a new dispute and used the CFPB complaint receipt date to extend the reinvestigation period.- I did not submit a new credit dispute. 
I did not request reinvestigation of the accuracy of the tradeline. 
I did not provide new information or authorize a new dispute.- My CFPB complaint challenged TransUnions compliance with the Fair Credit Reporting Act ( FCRA ) and its reinvestigation procedures. A CFPB complaint is a regulatory communication, not a consumer-initiated credit dispute under FCRA 1681i.- By treating my CFPB complaint as a new dispute, TransUnion : - Manufactured XXXX dispute without consumer authorization Reset or extended statutory reinvestigation timelines without legal basis Used a protected regulatory complaint to avoid completing a reinvestigation Confirmed the very practice I originally reported reopening disputes without consumer action This conduct raises serious concerns under : FCRA 1681i ( a ) failure to complete reinvestigation within required timeframes FCRA 1681i ( a ) ( 5 ) failure to delete information that can not be verified FCRA 1681e ( b ) failure to maintain reasonable procedures Improper interference with regulatory oversight by converting a CFPB complaint into a dispute- TransUnions action does not cure prior violations and instead compounds them by continuing the same conduct after notice.- I respectfully request CFPB review of : - TransUnions practice of reclassifying CFPB complaints as consumer disputes Whether TransUnion may lawfully reset dispute timelines using regulatory correspondence Whether this conduct constitutes knowing and continued noncompliance with the FCRA- This supplement is submitted solely to document procedural violations. It is not a request for reinvestigation and should not be treated as a credit dispute.

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 2025-12-23 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:
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX. XXXX Better Business Bureau. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX Comptroller of the Currency. XXXX Federal Reserve System. XXXX XXXX XXXX XXXX XXXX  Federal Trade Commission. XXXX State Regulatory Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I respectfully dispute Spring Oaks Capital, LLCs response and formally assert my consumer protection and privacy rights under federal law. 

Spring Oaks Capital , LLC admits in its own statement that it purchased the account on XX/XX/year>. As such, Spring Oaks Capital , LLC is not the original creditor and may not lawfully report itself as such on any consumer reporting agency file. Reporting as an original creditor when the entity is a debt purchaser is materially misleading and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), as well as the FDCPA ( 15 U.S.C. 1692e ).

Further, I dispute the lawful acquisition, permissible purpose, and continued furnishing of my personal and financial data. 

Spring Oaks Capital has failed to demonstrate : XXXX. A valid consumer authorization permitting the transfer, processing, and reporting of my personal data after the alleged assignment ; XXXX. A complete chain of title proving lawful ownership and authority to furnish data to consumer reporting agencies ; XXXX. Competent evidence of contractual privity, including an original signed agreement bearing my signature granting XXXX XXXX any assigneethe right to assign, sell, or report the account. 

Providing a generic bill of sale or assignment document does not satisfy the evidentiary standard required under the FCRA, nor does it validate continued reporting when the consumer disputes accuracy and authority. 

Additionally, continued negative reporting during an active disputewithout full verification meeting FCRA reinvestigation standardsconstitutes unfair, deceptive, and abusive acts or practices. 

Spring Oaks Capitals reliance on prior mailings does not cure these deficiencies. Receipt of a letter does not equate to consent, nor does it override my rights under : 15 U.S.C. 1681b ( permissible purpose ), 15 U.S.C. 1681c ( accuracy and integrity of reporting ), 15 U.S.C. 6802 ( privacy and data-sharing restrictions ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 explanation
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I paid off my XXXX XXXX XXXX XXXX XXXX XXXX 
The dealership submitted a XXXX insurance cancellation/refund request on XX/XX/XXXX. 
The refund amount is {$1200.00} and should be issued directly by XXXX XXXX 
My address has not changed. 
I have been unable to reach a live representative, and the refund has not been issued despite being promised by early XXXX. 
I am requesting immediate processing or reissuance of the XXXX refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: NJ

Complaint narrative:
I am disputing the accuracy of the following accounts listed under the charged-off section. The balances or account statuses do not seem to reflect the correct information. I request a review and correction of these entries. 

Charged Off Accounts : XX/XX/XXXXXXXX

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 2025-12-23 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
Good morning, The lender, XXXX XXXX XXXX XXXX, continues to report incorrect information and has failed to properly investigate my previous complaints regarding these issues. Additionally, XXXX  and TransUnion have not exercised due diligence in addressing these disputes, which has caused significant personal XXXX XXXX XXXX 

I will provide a detailed explanation in the attached formal complaint letter, along with supporting documentation for your review. 

Thank you for your 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 non-monetary relief
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
I am disputing the accuracy of the following accounts reported on my TransUnion credit report : Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have contacted Experian over XXXX times using different phone numbers I have found online to try to get a real person to help me create an account, since I keep running into an error. Every single time I get stuck with an automated system, which by the end of it says they cant help me and I must check experian.com. Guess what Experian.com says? They say to call the number. So Im stuck in an endless loop trying to get my account created, and my Equifax and XXXX XXXX NEVER had this issue. This is insane and should be illegal.

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 2025-12-23 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: CA

Complaint narrative:
There are two accounts from XXXX  XXXX XXXX on my credit report that are not mine and I think that they are fraud. Please help me to remove those fraudulent accounts from my credit report as I'm a victim of identity theft. The fraud accounts are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: MoneyLion Inc.
State: NC

Complaint narrative:
I earned approximately {$100.00} in game rewards through the MoneyLion app. These rewards are locked to an account that can not be verified because my Social Security number is already linked to another MoneyLion account that I did not realize existed at the time.

MoneyLion requires SSN verification and a MoneyLion card to withdraw rewards, but they refuse to allow my SSN to be linked to this account, refuse to transfer or merge the rewards, and state they can not make an exception.

Additionally, MoneyLion uses cross-app and device tracking for rewards, which prevents me from earning the rewards again on the verified account. This results in a permanent loss of legitimately earned funds with no withdrawal option.

I have contacted MoneyLion support multiple times and have been told there is nothing they can do. I am requesting that MoneyLion either release the earned funds or provide a lawful method to access them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-23 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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