vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
I have been in back-and-forth communication with the XXXX merchant XXXX via XXXX after not being able to contact them with the phone number. XXXX provided because the phone number XXXX has for the merchant is invalid. An email communication that XXXX merchant ISSU you stated that they issued a refund for the unauthorized transaction in the amount of {$2300.00} on XX/XX/year> to my XXXX account. When I initially contacted XXXX to check on the status of the refund, customer service agents kept asking me questions such as what transaction was I referring to and why was I asking or wanting to dispute the transaction even though I provided the XXXX unauthorized transaction case number I was provided which was PP R BLE XXXX. Today when I called XXXX to mention the discrepancy when trying to get help to via the customer service chat, they transferred me to the dispute department who claims that the XXXX merchant XXXX has not issued a refund, but instead, they have accepted liability for the transaction. Since XXXX being told to conflicting things XXXX from XXXX saying that there was refund issued, but instead a liability acceptance and the conflicting response from the XXXX merchant XXXX use stating that they did issue the refund on XX/XX/year> given the amount of money XXXX XXXX and I need more answers with regards to and expected date for the funds to be in my XXXX account. 

I have attached the email correspondence between myself and the XXXX merchant XXXX as well as the recorded phone conversation I just had with XXXX. This is the public available link to the recording. I also did my best to attach it from the XXXX minute mark until about the XXXX minute mark I was on hold the conversation starts at the XXXX minute mark with XXXX. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I dispute the accuracy of the Discover account on my ChexSystems report. Under FCRA 15 U.S.C. 1681i, this item must be verified or deleted immediately as it is inaccurate and unverifiable. Please remove it at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
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
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
For the first time ever I opted for a balance transfer offer from chase .. 0 % interest until XX/XX/year> with a 5 % balance transfer fee. After my first statement closing with the balance transfer amount, I made an on-time payment that included new purchases plus the balance transfer fee. On my following statement I had an interest charge of {$3.00}. I called Chase asking for an explanation and was told in my balance transfer agreement there was something about interest being charged from the date of purchase. The representative kindly offered to remove the interest charge. I then asked exactly what I needed to pay for next month to avoid further interest charges and was advised of a specific dollar amount plus my minimum payment amount. I paid exactly what I was advised and now today I have a new statement with a new interest amount of {$5.00} based on purchases of {$410.00}. My current purchases are {$260.00}. How is this even calculated? Clearly this balance transfer offer is completely deceptive. I have always paid my balance in full to avoid paying interest! This balance transfer scam has made this impossible! Please follow through with investigating this clearly deceptive marketing practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: PA

Complaint narrative:
Subject : Formal Dispute Inaccurate Reporting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Dear Credit Bureaus, This letter is to dispute the reporting of XXXX XXXX XXXX, account number ending in XXXX. 

Disputed Issues : Account is reported as both Charged Off and Transferred/Sold, which is contradictory. 

Balance reporting is inconsistent, showing {$560.00} and {$0.00} simultaneously. 

This creates confusion and inaccurately damages my credit profile.

Violations : FCRA 607 ( b ) : Inconsistent and contradictory reporting violates the requirement for accuracy. 

FCRA 611 : Equifax must reinvestigate disputed information. 

FCRA 605 ( a ) ( 5 ) : Reporting may violate time limits on certain derogatory items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC
State: AZ

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TN

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: TN

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
This record does not accurately represent my financial practices and appears to be erroneous. Kindly review and remove it from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
The company is XXXX. They are an online American division of XXXX. 

I recently opened a high yield savings account and transferred money into it. They have a mobile app I installed on my XXXX which sends a push notification with a code for XXXX factor authentication to login to the app or online. 

XXXX days ago the push notification stopped working. As a result, I can not login to the app on my phone. I can login to the website but I can not move money without providing the push notification number from my phone -- which I can not receive. 

I spoke to customer service and tried various settings changes to resolve it. I also removed the app and reinstalled it. Still no success. 

Because XXXX requires a secondary push notification to do all banking, my funds are effectively frozen. They offer no alternative verification system for me to do my banking. 

I have seen multiple complaints online about this business. I need access to my savings as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: MN

Complaint narrative:
I have disputed inaccurate and unverifiable information on my credit report multiple times with TransUnion. Specifically, I am disputing the following inquiries being reported. 

Despite my written disputes, the credit bureau ( XXXX ) have failed to properly verify these inquiries or provide original documentation, such as signed contracts or account-level records. Instead, they have provided only automated responses through e-Oscar, which does not satisfy the reasonable investigation requirement under the Fair Credit Reporting Act ( FCRA 611 ). 

The continued reporting of these unverifiable inquiries is causing ongoing harm to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
Two accounts are appearing on my credit report in my name that I never opened, authorized, or managed. I have no knowledge of these accounts and did not provide consent for them to be reported under my identity. Their presence is misleading and damaging to my credit history, and I take this matter very seriously. I need a clear explanation of why these accounts are listed and who reported them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
Complaint to CFPB Bridgecrest Financial From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ] united states of America XXXX XXXX Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Date : [ XX/XX/year> ] Subject : Complaint Against Bridgecrest Financial Failure to Validate Debt and Non-Compliance with Conditional Acceptance I. Summary of Complaint This is a formal complaint against Bridgecrest Financial for repeated violations of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), and Truth in Lending Act ( TILA ), arising from their failure to validate an alleged debt and their refusal to adhere to lawful notices served in good faith.

II. Statement of Facts On [ 09/16/2025 ], I lawfully served Bridgecrest Financial with a Notice of Conditional Acceptance demanding full validation and verification of the alleged debt, including : The original, wet-ink signed contract ; A verified accounting ledger ; Proof of lawful standing, assignment, and authority to collect.

Bridgecrest failed to provide the requested validation, responding only with a general statement asserting I still owe the debt, without any supporting documentation required by 15 U.S.C. 1692g ( b ). 

In accordance with commercial and administrative procedure, I subsequently issued a Notice of Default and XXXX, served via certified mail, giving Bridgecrest the opportunity to cure their default. They failed to rebut or cure within the time allotted. 

Bridgecrests continued collection efforts, despite being in default and without lawful validation, constitute willful noncompliance and bad faith conduct under federal law. 

III. Violations Bridgecrests actions and omissions constitute the following violations : FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) Failure to validate debt upon request.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Reporting inaccurate or unverified information to credit bureaus.

TILA 131 Failure to provide proper disclosure of material terms of the original obligation. 

Breach of contract in commerce by dishonoring a lawful conditional acceptance process. 

IV. Relief Requested I respectfully request that the Consumer Financial Protection Bureau : Investigate Bridgecrest Financials handling of this account ; Compel Bridgecrest to produce full validation of the alleged debt or cease all collection efforts ; Require deletion of any related derogatory tradelines from my credit file ; and Pursue penalties or enforcement actions against Bridgecrest for repeated violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Frauldent charge of {$160.00}. reported as frauldent and investigation was open, then closed without further communication. Asked for proof of authorization of charge - pin or cvv- bank will not send. Online order from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ). We feel no investigation was done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I have disputed inaccurate and unverifiable information on my credit report multiple times with Equifax. Specifically, I am disputing the following inquiries being reported. 

Despite my written disputes, the credit bureau ( s ) have failed to properly verify these inquiries or provide original documentation, such as signed contracts or account-level records. Instead, they have provided only automated responses through e-Oscar, which does not satisfy the reasonable investigation requirement under the Fair Credit Reporting Act ( FCRA 611 ).

The continued reporting of these unverifiable inquiries is causing ongoing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: IL

Complaint narrative:
On [ todays date ], I called TransUnions Fraud Department regarding fraudulent accounts and collections on my credit report that I have been disputing for over two years. During the call, I provided verification that I personally submitted my police report, FTC Identity Theft Report, and proof of identity all documents that TransUnion previously requested. 

The representative stated that TransUnion would not delete or block the fraudulent information, claiming a third party submitted the documents even though I personally sent them. This is incorrect and violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 605B, which requires a credit reporting agency to block identity-theft-related information within four business days after receiving a valid police report and identity theft report. 

I have repeatedly complied with every request from TransUnion, yet they continue to report false and fraudulent accounts, damaging my credit and causing ongoing emotional distress and financial harm. 

They are asking me to resubmit the documents after Ive submitted the documents XXXX times since XXXX, XXXX, XXXX, XX/XX/XXXX. 
I will not be sending anymore documents in this is my last time trying to resolve anything with them my next step this week is a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OR

Complaint narrative:
Chime The XXXX sold my personal information. I was scammed out of {$18000.00} by a person that contacted me and claimed to be a Chime Representative stopping fraud on my account. They called from the same Chime phone number that is on the website, they had my social security number, address, and account number. I called Chime right after it happened and they said they would investigate the fraud once the charges on my account went through. After a month of so called investigation, they denied {$10000.00} worth of fraud charges that I claimed and I only received a refund of {$8000.00} back even though the charges were obviously not made by me based on location of the charges and my spending habits. I therefore cancelled my account and requested what was left of my savings to be sent to me via check which I have not yet received.

Company response to consumer: Closed with explanation