vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: MD

Complaint narrative:
I have received a copy of my credit report and have found many inaccurate information. My address is wrong, and I want only one address reporting on my credit report. ATTENTION DISPUTE DEPARTMENT I have reviewed my report recently. There were names and addresses on it that are incorrect spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth XXXX XXXX XXXX. MY ONLY EMPLOYER IS : I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 
Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 
Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency.

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 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, I opened a Chime account expecting to receive a debit card only. Shortly after enrollment, I noticed two different cards listed on my account : the debit card I wanted, and a XXXX XXXX card I never intended to open. 

I immediately contacted Chime to cancel the XXXX XXXX card and requested a refund of the {$50.00} metal card upgrade fee. I have a screenshot showing the XXXX XXXX card status : Printed on XX/XX/year> at XXXXXXXX XXXX XXXX XX/XX/year> but not yet shipped. 

Despite my immediate request, Chime denied the refund, stating that the card was already printed, even though it had not shipped. This refusal is unfair and misleading. I did not consent to opening a credit account, and I explicitly requested cancellation before the product was shipped or used. 

I am requesting a full refund of the {$50.00} charge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
I hereby lodge a formal complaint regarding a practice that I consider arbitrary and inappropriate, carried out by your financial institution regarding the management of my line of credit. 

Recently, I have observed with concern a substantial and unsolicited reduction in my line of credit, which has been reduced to an amount practically equivalent to the outstanding balance. This modification was implemented without prior notice and without any basis based on a negative credit history, as I punctually meet my payment obligations, with no late payments or defaults. 

As a direct consequence of this reduction, a situation has arisen in which the available credit ( {$370.00} ) is insufficient to cover the required minimum payment ( {$470.00} ), which exposes my account to automatic overdraft charges. Given that this situation is the result of a unilateral action by the bank, without my participation or consent, I consider the charges resulting from this practice to be unfair, disproportionate, and lacking any legal or contractual justification. 

It should be noted that this is not the first time that an adjustment of this nature has occurred to my credit line, which demonstrates a repetitive pattern that directly affects my financial stability and my confidence in the institution. Furthermore, when attempting to clarify this situation through your call center, I have encountered serious deficiencies in the quality of service : agents lack the necessary technical knowledge to respond clearly, and on several occasions, access to a supervisor has been denied, severely limiting my ability to receive effective service. 

Therefore, and based on the principle of contractual good faith and the duty to inform consumers, I formally request : That I be provided with detailed and documented justification for the reduction of my credit line. 

That the possibility of reversing said reduction be evaluated, as there are no objective grounds for its application. 

That any possibility of incurring charges that may have been incurred as a direct consequence of this situation be evaluated.

Customer service protocols should be reviewed, and call center staff training should be strengthened, especially regarding financial products and claims management. 

I appreciate your attention to this complaint and trust that you will be able to provide a clear, reasonable, and legally compliant response as quickly as possible. 

Without further comment, I look forward to your response.

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 2025-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion continues to report a collection account and unauthorized credit inquiries that are not mine. 

I have disputed these items multiple times, stating I did not authorize the inquiries and that the collection account is not mine. 

TransUnion responded repeatedly that the information was verified as accurate, but provided no proof or validation documents. 
On XX/XX/year>, TransUnion experienced a breach involving a third-party application, compromising the personal data of approximately 4.4 million Americans, including names, Social Security numbers , email addresses, and dates of birth. 

The company began notifying affected individuals around XXXX XXXX XXXX including over XXXX Texans. 

Though TransUnion stated that no credit information or core credit reports were accessed, the exposure of SSNs and other PII poses a high risk of identity theft. 

I requested the following Required Legal Validation Documentation, but received no response or supporting proof : 1. The name and address of the original creditor.

2. The original signed contract or agreement bearing my signature.

3. Complete account history with interest, fees, and payments.

4. Chain of assignment or ownership transfers.

5. Proof of debt collectors license in my state.

6. Copy of the required surety bond. 

Despite my written disputes, TransUnion still claims verification without satisfying these requests. Under FDCPA 1692g ( c ), if a debt can not be validated, collection must cease.

Under FCRA 1681s2 ( b ), if information can not be verified, the credit bureau must delete or correct it. TransUnions failure to produce documentation and its continued reporting of potentially fraudulent information, especially in light of a recent data breach, appears to violate both statutes.

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 2025-09-15 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
On XX/XX/, a {$290.00} debit card transaction appeared on my account to a company called XXXX. I did not authorize this transaction. My card information was stolen through a phishing email that pretended to be from XXXX. I believed I was logging in to XXXX, but it was a fraudulent website. 

I have never had an account with XXXX, nor have I ever received any goods or services from them. This was an unauthorized electronic funds transfer as defined

under the Electronic Fund Transfer Act and Regulation E. I reported the transaction immediately a
fter discovering it, and my debit card was cancelled to prevent further fraud. Despite my timely reporting, the charge was not reversed, and I did not receive a provisional credit while the investigation is pending. 

Under Regulation E ( 12 CFR 1005.11 ), a financial institution is required to complete its investigation within 10 business days or issue provisional credit if the investigation takes longer. Neither of these requirements have been met. 

I am requesting that the CFPB require XXXX XXXX to : Reinvestigate this claim in compliance with Regulation E, Provide a written explanation of any evidence they rely upon if they continue to deny my claim, and Issue a provisional credit for the {$290.00} transaction pending resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: MARINER FINANCE, LLC
State: IN

Complaint narrative:
I never received my notice of claim. They illegally seized my XXXX  XXXX XXXX XX/XX/XXXX. The tow guy scratched it all up. Said his tow truck is definitely not meant or made to tow my car. He broke into a locked vehicle. They towed it hours away. He said it was way too much stress for the ride. I gave him my key. He said it wasnt enough but mariner finance would be grateful. I had to be out of my house XX/XX/XXXX at 4. Last minute eviction. Lost all my furniture. XXXX refused numbers said she is the only one I can speak to. Refused my XXXX. Said its too XXXX late for payment plans. Said shed own my car in 15 days. She wasnt working with me about anything. Cant make my unemployment classes in XXXX. Told her that. Explaining I still havent got my card and I wont be getting money weekly without a vehicle to go to classes. Said it wasnt her problem. Explaining about my XXXX  son and his treatments. Nothing she didnt give a care about anything. You guys stole ruined my vehicle. Cost my family and I all our possessions. We slept on the street that night. Oh tow fee was XXXX. Course it went up. And my blue on my vehicle? Yeah limited. Absolutely no notice!!!! 
XXXX said she wasnt about to go back and fourth with me it wasnt her problem or her fault. 
I will be letting everyone know of the disservice and what you cost me and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Life Line Billing Systems, LLC
State: WI

Complaint narrative:
On XX/XX/XXXXXXXX  I was taken to XXXX XXXX in XXXX XXXX, Wisconsin via ambulance and I received a bill for {$1300.00} from XXXX XXXX XXXX XXXX XXXX. I was not able to pay the entire amount off so I set up a payment plan where {$50.00} would be taken out on a monthly basis. The payments ended up being {$49.00} and started being taken out on XX/XX/XXXX. I was on authomatic payments so each payment was made on time. I would receive a bill each month and I saw it and knew what it was and didn't think any of it. I noticed around XXXX that those bills had stopped coming. I went back and looked at my bank account and my payments had stopped being pulled after the XX/XX/XXXXXXXX  payment. I have had the funds in my account always available. I called the company but I was redirected to a different company called XXXX XXXX XXXX XXXX. I asked them to look up my account information but they could not find my information. They directed me to go online to sign in to make payments. In order to go online you have to have an encounter number and I didn't have that because I wasn't receiving bills any longer and the new company wasn't sending me anything. I found out that XXXX XXXX XXXX XXXX XXXX was bought out to a third party company and didn't tell me or others that this had happened. My payments stopped and I wasn't told and no new bills came to my home. If I hadn't reached out in XXXX I would have had no idea where my debt even was because no one at the new company could find it. I called on XX/XX/XXXXXXXX  and spoke with a customer service representative named XXXX XXXX who told me that my bill had been sent to a debt collector because I had failed to make payments. I can't make payments if I am not getting a bill and I am more than fine paying the bill but what they did was very unfair. I pay my bills on time and now I have a negative stain on my credit because this new company took over and did not reach out to me and instead sent my bill that I had been making payments on previously and just sent it to a debt collector.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern I am writing to dispute certain inaccurate Information that appears on my credit report.

This letter is being sent pursuant to my rights Under the fair credit reporting ace ( FCRA ), 15 U.S.C. 1681, which requires that credit Reporting agencies maintain accurate and Verifiable information.

XXXX XXXX XXXX  The balance and status are inaccurate All 3 credit bureau Under 15 U.S.C. 1681 you are required to Conduct a reasonable reinvestigation of any Disputed information. Additionally, under 15 U.S.C. 1681e ( b ), you are obligated to Ensure maximum possible accuracy in the Reporting of information.

I request that you investigate this matter, Delate or correct the inaccurate information, And provide me with a copy of my updated Credit report. Please also provide the name, Address, and telephone number of each Furnisher of information contacted during Your investigation, as required by law. 

Please complete your reinvestigation and Respond to me within the 30 days required By 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 explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern I am writing to dispute certain inaccurate Information that appears on my credit report.

This letter is being sent pursuant to my rights Under the fair credit reporting ace ( FCRA ), 15 U.S.C. 1681, which requires that credit Reporting agencies maintain accurate and Verifiable information.

XXXX XXXX XXXX  The balance and status are inaccurate All 3 credit bureau Under 15 U.S.C. 1681 you are required to Conduct a reasonable reinvestigation of any Disputed information. Additionally, under 15 U.S.C. 1681e ( b ), you are obligated to Ensure maximum possible accuracy in the Reporting of information.

I request that you investigate this matter, Delate or correct the inaccurate information, And provide me with a copy of my updated Credit report. Please also provide the name, Address, and telephone number of each Furnisher of information contacted during Your investigation, as required by law. 

Please complete your reinvestigation and Respond to me within the 30 days required By the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am disputing the validity of the debt you claim in the amount of {$200.00}. I deny all responsibility for this account, as I have no dealings with LVNG Funding LLC nor the original creditor. This debt is not mine and appears to be the result of fraud or identity theft. I have not been present with proof of ownership or the steps taken to validate this fraudulent act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against JPMCB CARD 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 ( attached ) 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. JPMCB CARD XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: VA

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with explanation