vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681e ( b ) The Accuracy Mandate. The maximum possible accuracy has occurred due to inaccurate information regarding my credit report supplied by your company. Another violation 15 USC 1681s-2 The furnishers duty. I previously submitted a complaint and according to 15 USC 1681i ( a ) ( 5 ) The deletion requirement. This is another violation, because the fact that I brought this to their attention and requested them to confirm that they never made any attempt to verify my character warrants a deletion. The information which is inaccurate and actual knowledge of errors relating to the consumer, me was published in my credit report, which was compared and errors were listed as follows : 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 XXXX 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 2025-11-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting this formal complaint against Experian, Equifax, and TransUnion regarding the repeated reporting of unauthorized, inaccurate, and unverifiable inquiries on my credit reports, in violation of FCRA 619 [ 15 U.S.C. 1681q ], 604 ( a ) [ 15 U.S.C. 1681b ( a ) ], and 604 ( f ) [ 15 U.S.C. 1681b ( f ) ], which strictly govern permissible purposes for accessing consumer credit information. Despite prior disputes and removal requests, numerous inquiries continue to appear on my reports without my authorization, including 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian, Equifax, and TransUnion. These inquiries were not authorized by me and were not for a permissible purpose, making them inaccurate, unverifiable, and misleading. The continued reporting of these unauthorized inquiries misrepresents my creditworthiness, undermines the integrity of my credit file, and constitutes a violation of federal law, causing ongoing harm to my financial standing.

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
XXXX CREDIT CARD WANT TO CANCEL THIS CARD, THE FEE 'S ARE ASTRANOMICAL, CARD IS SET UP FOR FAILURE. I WANT TO CLOSE THIS ACCOUNT. I HAVE XXXX CARDS WITH THIS COMPANY : INDIGO MASTERCARD MILESTONE XXXX  I WAS TRICKED INTO GETTING BOTH OF THESE CARDS. I DO NOT WANT THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-19 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: Experian Information Solutions Inc.
State: OK

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-19 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: OK

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I made a complaint about an employee at Truist calling my husband during business hours with allegations of me cheating and stealing and concealing money. I am not a Truist member. I have received direct mail addressed to only my name, via the postal office from Truist bank since my initial complaint. I made a complaint to HR at Truist about the communication and then followed up asking if they could determine if this employee accessed my information in their data base somehow but was told I will not be receiving any outcome. 

I do not bank with Truist. I believe because of personal dealings with this employee outside of work, that she has accessed my social security number or address, or other personal information via Truist database to prompt the mail being sent to me. It should also be noted she has a civil case through the court system she has dragged my name into and I believe she is looking into my information to gather data out of spite. 

I would like to know if my information has been accessed by or through Truist, but they will not give me any answers. I am asking for the sole purpose of pursuing charges and starting a criminal investigation because since I sent them the complaint email, I have received the Truist postal mail, had someone attempt to get into my icloud account twice and attempt to use a debit card, now causing me to change my checking account information with my own bank.

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Account number : last four digits are XXXX I am a joint owner on a grandfathered joint Chase XXXX credit card account ending in XXXX that I opened with my ex-spouse while we were married. We are now divorced final decree dated XX/XX/year>. 

Since My divorce decree orders that this credit card debt be My sole responsibility. 

The Defendant shall be responsible for, and shall hold Plaintiff harmless from : the Chase Credit Card ending in XXXX ( now ending in XXXX ) approximately {$16000.00} ( has been paid in full ) I order the account closed. 

Over the last 13 years I called Chase multiple times and spoke with representatives ( and supervisors ) requesting that the entire joint account be closed immediately to all charges and all cards. Every time I was told that Chases policy for old joint accounts requires BOTH joint owners to consent or appear together at a branch even though I am a joint account holder with equal rights and responsibilities. 

This policy is creating severe financial risk for me : - My ex-spouse still has access to the account and can continue adding charges that I remain 100 % legally liable for. 
- I am unable to close the account unilaterally despite being a full joint owner. 
- This situation is common in divorce cases and leaves the requesting spouse exposed to ongoing liability and credit damage. 

I have asked Chase to simply freeze and close the account but they have refused without my ex-spouses cooperation, which is impossible to obtain. 

I am requesting that Chase immediately : 1. Close the entire joint account to all new charges and all cards effective the date of this complaint.

2. Send me written confirmation through email and mail that the account is closed and the balance is now fixed.

3. Report the account to the credit bureaus as Closed by consumer ( not closed by creditor ). 

I have attached : - A copy of my drivers license or other ID showing I am a joint owner - Recent statement showing both names - Relevant pages of of my divorce. 

This refusal to allow a joint owner to close a joint account in a divorce situation feels unfair and exposes me to continuing harm. Other major card issuers allow one joint owner to close the account without the others permission Chase should do the same. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
Subject : Unauthorized Access and Use of My Personal Information Violation of 15 U.S.C. 1681 Dear Credit Bureau Representative, I am writing to formally dispute and demand correction regarding the access, furnishing, or use of my personal and credit information without my written authorization from the following accounts XXXX XXXX  opened on XX/XX/XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only furnish a consumer report for specific permissible purposes, and in many cases, only with the consumers written consent. I have never provided any written authorization or consent allowing any entity or individual to obtain, furnish, or access my personal credit information. 
Therefore, I believe my rights under the FCRA have been violated, and I request the following actions be taken immediately : 1. Conduct a full investigation into any and all parties who have accessed or furnished my personal or credit information without my explicit written consent.

2. Provide a complete list of all entities or individuals who have obtained or been furnished my credit report or data.

3. Remove any unauthorized inquiries, accounts, or information from my credit file that were obtained or reported without proper written consent.

4. Provide written confirmation that these items have been removed and that my file has been updated in compliance with the FCRA.

This letter serves as a formal dispute and request for reinvestigation under 15 U.S.C. 1681i. I expect your written response and investigation results within XXXX days of receipt, as required by federal law. 
Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-11-19 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: OK

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am filing a complaint against PayPal regarding the unjustified seizure of my entire PayPal balance, despite the absence of any disputes, chargebacks, or fraudulent activity.

Timeline of events : XX/XX/XXXX : PayPal placed my funds on hold without providing a clear explanation. They stated this was a manual review. 

XX/XX/XXXX : I received another notice stating that my funds may be held for up to 180 days for security review, even though no disputes had been filed by any buyers. 

XX/XX/XXXX : PayPal deducted my entire account balance from my PayPal account. No buyer had filed a claim, dispute, or chargeback. All transactions were legitimate and fulfilled with proof of delivery/receipt. 

I have contacted PayPal support multiple times. Front-line support confirms : No disputes were ever filed No chargebacks exist The deduction was done internally by PayPals Risk Review department They are unable to reverse it and also can not escalate or appeal This indicates that PayPal seized my funds using an internal manual review process with no consumer protection, no due process, and no explanation.

My concerns : PayPal seized 100 % of my account balance without any claims filed by customers.

PayPal has not provided documentation or a valid reason for taking the funds.

I was given conflicting statements and no path to appeal the decision.

This action appears to violate fair business practices for US-based financial services.

PayPals 180-day hold language was used, but the funds were taken after only 92 days with no disputes to justify loss recovery.

Resolution Requested : A full investigation into PayPals handling of my account. 

A written explanation of why my entire balance was deducted despite no disputes or chargebacks. 

Release/return of my funds if no genuine losses exist ( which they do not ).

Enforcement requiring PayPal to provide a proper appeals process for manual reviews. 

I am providing all proof of delivery, buyer confirmations, and transaction records upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau because all three credit bureaus TransUnion, Equifax, and Experian are reporting inaccurate, incomplete, and inconsistent late payment information on several of my accounts despite my efforts to resolve these issues directly with the bureaus. I am not requesting correction of any account, only lawful correction of the payment histories under FCRA 602, 611, 623 ( a ) ( 2 ), and 623 ( b ), which require fair, accurate, and fully updated reporting. My XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX with a balance of {$15000.00}, is being reported with numerous XXXX, XXXX, and XXXX late entries across XXXX that do not reflect the true verified payment pattern of this active loan. My XXXX XXXX account ending in XXXX, opened XX/XX/XXXX and closed with a XXXX balance, is inaccurately showing repeated late payments in XXXX, XXXX, and XXXX even though the account was satisfied and closed in good standing. My XXXX XXXX account ending in XXXX, opened XX/XX/XXXX and also closed with a XXXX balance, is being reported with late entries for XXXX through XX/XX/XXXX that do not match the verified timeline of payments made before the loan was fully satisfied. Additionally, my XXXX account ending in XXXX, opened XX/XX/XXXX and closed on XX/XX/XXXX with a XXXX balance, shows late marks in XXXX and XX/XX/XXXX that are inaccurate and inconsistent with the documented payment history. These incorrect late entries across multiple bureaus are causing ongoing harm to my creditworthiness and do not comply with the FCRAs requirement for maximum possible 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 explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TX

Complaint narrative:
On the Abound application, I initiated a transaction on XXXX XX/XX/year> to remit money ( XXXX usd ) ( from USD to XXXX  ) in my XXXX XXXX  account, and XXXX was XXXX XX/XX/year>. After XXXX XXXX, I reached out to them multiple times ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ) asking why is it taking time and they kept on updating XXXX and mentioned that they are having problems with their banking partner. I asked them what the problem was and they did not give that information. And also, they said they can't cancel the remittance as well. 

On XXXX XXXX, when I checked their app, it said that remittance is done ( with a date of XXXX XX/XX/year> ), but I have not received the money in my XXXX XXXX  account. I reached out to them on again. They asked me my bank statement and i provided that. They said they are looking into it. Just right after that, I asked if they can provide transaction I'd that I can check with my XXXX XXXX, they ghosted me. Even after follow up, they still have not provided the transaction I'd, let alone the remittance that should have happened before XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation