vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Please be advised by I XXXX XXXX, purchased two tickets from XXXX XXXX, for public announcement only and solely from XXXX XXXX, The original tickets were XXXX XXXX.I purchased two tickets, which is total {$96.00} dollars, another hacker from XXXX took {$270.00} out if my account. Despite me disputing this the very next day, stipulating that it wasn't me.Che still sided with the merchant instead of me.I proved to them that it wasn't me even obtained a letter from XXXX XXXX, stipulating that the tickets were purchased solely from them and not a third party when a ticket is purchased from XXXX XXXX that takes those tickets out of the queue.And so no one else is able to purchase those tickets.How is it that I purchased the same two exact tickets? One {$96.00} and two more tickets for {$270.00} thats not the amount inwhich I paid, Chase is refusing to refund me my money and repeatedly signed siding siding with the merchant. My attempts to get this a resolution on this case has been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-12-19 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: TX

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I had some unauthorized payments made to XXXX XXXX  and I made dispute but then they said that they had approved that I am the one who made those payments, but I didnt. So then I contacted XXXX XXXX and so theyre doing a dispute as well but I did not these payments and its not fair. I guess they are viewing it like if it is my main source of Bank and it is not because Bank of America is my main source. And I have stements to proove

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 2025-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
In XX/XX/year>, I purchased tickets through XXXX totaling {$1200.00}, and the payment was processed via PayPal. The tickets were never delivered, despite repeated attempts to contact the seller and PayPal to resolve the issue Ive called them both multiple times to issue me a refund and theyve declined XXXX proceeding to say theyve provided evidence that theyve sent the tickets but I have proof they havent and on the phone they said they didnt send the tickets but to PayPal theyve said they have provided evidence so its contradicting, XXXX has told me they cant issue the refund due to PayPal not closing the case, but I have closed the case and the case has been closed for days and weeks now, so both of them dont want to issue a refund on this which I think is terrible customer service from both and its now how they should be treating a customer. 

I submitted a PayPal dispute/chargeback for the full amount. PayPal denied the dispute twice the first denial occurred shortly after my initial request, and after I requested an appeal, they denied it again and closed the case in the sellers favor. Throughout this process, PayPal did not provide a satisfactory explanation for why my dispute was denied, There should be no reason for it to be denied because I never received the tickets on XX/XX/XXXX the day of the concert which is when XXXX said they would deliver the tickets. 

The payment was taken in multiple installments from my XXXX bank account, which I had linked to PayPal. Because of the failed resolution, I also filed a CFPB complaint against XXXX regarding the payment withdrawals and their handling of the transaction, as of under regulation E it falls under the error resolution protections where transactions that services or goods were not received I have contacted PayPal multiple times via phone and online messaging, requesting escalation and written explanations for their denials. I also filed a XXXX  complaint against PayPal, but the issue has not been resolved.

I have documented all communications, including : PayPaXXXX dispute and appeal records Payment receipts and transaction history from XXXX XXXX with the ticket seller Confirmation of XXXX  complaint submission Despite my repeated efforts, I have not received a refund or any resolution. 

Desired Resolution : I am requesting a full refund of {$1200.00} from PayPal and/or the seller for the undelivered tickets. I also want PayPal to review their dispute process to ensure proper handling of buyer protection cases in the future and I would like a apology from XXXX as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: CT

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 2025-12-18 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: GA

Complaint narrative:
On XX/XX/XXXX, funds were deposited into my PayPal account via direct deposit. The balance of {$200.00} represents earned wages from my minor sons employment at XXXX. 

On XX/XX/XXXX, PayPal permanently limited the account and requested identity verification. I completed the requested verification as the adult and verified account holder. 

On XX/XX/XXXX, PayPal informed me that the account would remain permanently limited and that the {$200.00} balance would not be released until XX/XX/XXXX, despite there being no disputes, chargebacks, fraudulent activity, or policy violations involving the funds themselves. 

I am not requesting reinstatement of the account. I am requesting the immediate release of the {$200.00} balance to me as the verified adult account holder. The funds are earned wages, and holding them for an extended period is unreasonable and not related to any actual risk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - Date Opened : XX/XX/XXXX XXXX XXXX  XXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing regarding the account referenced below : Account Number : XXXX I previously disputed this account, but I am no longer disputing it. I am requesting that you update your reporting to all consumer reporting agencies to remove any dispute-related remarks associated with this tradeline. 

Under the Fair Credit Reporting Act, information furnished must be accurate and current. Since the account is no longer in dispute, the dispute notation is no longer accurate. 



Sincerely, 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 2025-12-19 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: GA

Complaint narrative:
On XX/XX/year> I received a letter from XXXX stating that the bankruptcies been reported are UNVERIFIABLE and has been removed from there systems. I sent dispute letters certified mail asking them for reasonable reinvestigation under 15 U.S.C. 1681i. They sent a letter on XX/XX/year> stating that the bankruptcies were verified. I will attach a copy of the letter I received from XXXX. 

The accounts in question are 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 explanation
Consumer complaint received 2025-12-19 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-18 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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:
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 identity 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 completeandaccurate.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I was charged {$190.00} on XX/XX/year> for an Experian XXXX XXXX subscription through XXXX without informed consent. 

The checkout flow works as follows : clicking BUY NOW routes the user to a login screen. Upon logging in, the charge is immediately processed. There is no final review page, no pricing confirmation step, and no affirmative Confirm Purchase action prior to billing.

Experians representatives have confirmed in writing that : No confirmation or final review page exists Login is treated as purchase authorization Charges are processed immediately upon login I did not authorize a charge under these conditions and had no opportunity to review or confirm pricing before being billed. 

Experian has refused to issue a full refund, citing internal policy and terms and conditions. However, terms and conditions do not override FTC guidance, card network rules, or state consumer protection laws requiring clear disclosure and informed consent for subscription and negative-option billing. 

I am requesting a full refund of the {$190.00} charge and correction of this improper billing practice. 

-- This complaint is supported by written admissions from Experian representatives confirming the absence of a confirmation step.

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 2025-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
On or around XX/XX/year>, I was applying for an apartment and communicated with individuals who impersonated licensed real estate agents/realtors. They provided realistic property details, and instructions that appeared legitimate. I was told that an application fee was required to proceed with the rental application. 

I sent {$160.00} through Chime in good faith, believing the transaction was legitimate. After the payment was sent, I later discovered that the individuals were not real realtors and that the listing and application process were part of a fraudulent impersonation scam. 

I immediately contacted Chime to report the fraud and requested recovery of the funds. I provided all requested information and explained that the payment was induced through misrepresentation and fraud. Chime informed me that they were unable to recover the funds, and the dispute was denied. 

This transaction was authorized only because of deception and impersonation. I believe this qualifies as fraud / scam activity, and I am requesting a formal review of Chimes handling of this case, including whether the receiving account was investigated or flagged, and whether appropriate consumer protections were applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
I am filing this complaint to demand the permanent removal of the account XXXX XXXX from my credit report. 

This account is being reported as purchased by another lender. However, no party has provided proof of assignment, chain of title, or legal authority to report or collect this account. Without this required evidence, the continued furnishing of this account is inaccurate and violates the Fair Credit Reporting Act. 

In addition, XXXX XXXX  and TransUnion are reporting inconsistent payment history information for this account, which is being furnished directly by XXXXXXXX XXXX  The inconsistencies across credit bureaus further demonstrate that the information being reported is unreliable and not verified as required by law. 

There was also never a Form 1099 C issued or provided to me in connection with this alleged charge off, despite the account being treated as transferred or sold. This raises further questions regarding the accuracy and status of the debt being reported. 

I am not requesting that this account be updated or corrected. I am demanding that it be completely removed from my credit report due to inaccurate reporting, lack of verification, and continued violations of my rights under the FCRA. If this matter is not resolved, I am prepared to enforce my rights through legal action.

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 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
My ex boyfriend stole my old phone had all my information in it apps and all. Well he had my passcode to my phone because we were together forever. I had biometrics turned on so I just got ta use my phone passcode to access accounts passwords XXXX such he got into my chime got money off my bank account put it on my chime and sent XXXX to a lady in Texas mind I Iive on Michigan don't know anyone from Texas. I filed a police report have that as evidence on my claim they've done denied me three times already. It was an unauthorized transaction and not made by me at that.

Company response to consumer: Closed with explanation