vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NC

Complaint narrative:
Tonight XXXX XXXXXX/XX/year> I made a purchase via XXXX app for {$33.00}. I have my virtual card on my account as payment option. As soon as I hit the pay button, the notifications appeared at the top of my screen. Both notifications have the time stamp of XXXXXXXX XXXX XX/XX/year>. The first notification stated that the payment declined. The second notification stated the {$33.00} was pending. I reached out to Chime via Chat in app. As always they lie and make me out to be the problem. This time it wasn't a wrong PIN, it was a wrong CVV.... make this make sense. So in closing... everywhere I go now my cards are declined whether virtual card is used or physical card is used. Is their utter stupidity a retaliation tactic because of these ongoing complaints? It look like they have quietly put a hold on my cards or block.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX [ Date ] Fair Collections & Outsourcing XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX Subject : Debt Validation Request under the Fair Debt Collection Practices Act ( FDCPA ) Dear Fair Collections & Outsourcing, I am writing in response to a notice I received around XX/XX/year>, regarding an alleged apartment eviction debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am formally requesting validation of this alleged debt. Please provide the following information : 1. The name and address of the original creditor. 2. The full account number and total amount of the alleged debt. 3. A detailed statement explaining how the amount was calculated. 4. Copies of any agreement or contract bearing my signature that shows I agreed to assume this debt. 5. Documentation that you are authorized to collect on this account in my state. 6. A copy of any judgment, if applicable. Until you provide proper validation of the alleged debt, you must cease all collection activity, including phone calls, written communication, and credit reporting. If this debt has been reported to any credit reporting agency ( XXXX XXXX XXXX XXXX XXXX, please note that failure to verify the debt before or during reporting violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). I am requesting immediate deletion or blocking of any such entry until full validation is provided. Please communicate with me only in writing regarding this matter. 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 explanation
Consumer complaint received 2025-10-14 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted Truist after contacting Free Score & disputing 12 unauthorized charges on my Truist Statement. I contacted both companies approximately XXXX months ago. I informed both companies to let them know I just discovered the charges on my statement and explaining to them that I was in and out of the hospital the last year and a half for different procedures to my XXXX & I knew nothing about the charges. I literally was fighting for my life. The last XXXX I was in the hospital 4 months for an XXXX XXXX XXXX and had no knowledge of the 12 charges from Free Score for the amounts of {$29.00}. I informed Truist that I wanted to open an investigation after contacting Free Score @ the number listed by the charges on my statement and they stated someone would contact me but did not. I contacted Truist on several more occasions about the dispute & I was given the run around even requesting a supervisor and nothing so I went into the branch and was told they would reopen an investigation and nothing. Then I went in to the branch again to find out the status and they then gave me a case number which I am attaching and saying it took too long for me to report. I stated to them, I have explained to you, that I have been in the hospital back and forth over a year for extensive periods with the last extensive visit was for XXXX XXXX XXXX. I was admitted over 4 months which did not include XXXX so I had no clue in regards to the charges until I contacted both companies. Free Score & Truist. I want my money refunded. This is not right. I contacted both companies as soon as I discovered Truist only credited a few charges back but I want my entire refund.

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 2025-10-14 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: MO

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 explanation
Consumer complaint received 2025-10-14 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: NM

Complaint narrative:
Dispute and Correction Request Inaccurate Reporting of Closed Credit Card Accounts Dear Credit Bureau, I am writing to formally dispute and request correction of inaccurate information appearing on my credit report concerning one or more closed credit card accounts. The information being reported is inconsistent between credit bureaus and does not accurately reflect the true payment history or account status. Regarding my XXXX XXXX account. 

Specifically : 1. One account shows the payment status as In Collections/Charge-off, while another version lists No Info. 
2. One version lists the worst payment status as 120+ days late, while the other provides no information at all.

3. The remarks differ one states Paid profit and loss/ Settled for less than full balance, while another lists Paid charge-off. 
4. The number of late payments reported is inconsistent one shows XXXX, while the other incorrectly lists XX/XX/XXXX. 
5. One account includes a closure date of XX/XX/XXXX, while the other omits this date entirely. 

These inconsistencies make it unclear which information is correct and unfairly impact my creditworthiness. 

I am requesting that you : 1. Reinvestigate these accounts with the data furnisher.

2. Update and synchronize all reporting to accurately reflect the true payment history, correct number of late payments, and proper closure status.

3. Ensure the same information appears consistently across all bureaus.

4. Remove any duplicate or inaccurate listings that may be causing negative scoring effects. 

Enclosed are screenshots showing the conflicting reports and any supporting documentation I have available. 

Please conduct this reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ) and provide me with written confirmation of the results within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Dispute and Correction Request Inaccurate Reporting of Closed Credit Card Accounts Dear Credit Bureau, I am writing to formally dispute and request correction of inaccurate information appearing on my credit report concerning one or more closed credit card accounts. The information being reported is inconsistent between credit bureaus and does not accurately reflect the true payment history or account status. Regarding my XXXX XXXX account. 

Specifically : 1. One account shows the payment status as In Collections/Charge-off, while another version lists No Info. 
2. One version lists the worst payment status as 120+ days late, while the other provides no information at all.

3. The remarks differ one states Paid profit and loss/ Settled for less than full balance, while another lists Paid charge-off. 
4. The number of late payments reported is inconsistent one shows XXXX, while the other incorrectly lists XX/XX/XXXX. 
5. One account includes a closure date of XX/XX/XXXX, while the other omits this date entirely. 

These inconsistencies make it unclear which information is correct and unfairly impact my creditworthiness. 

I am requesting that you : 1. Reinvestigate these accounts with the data furnisher.

2. Update and synchronize all reporting to accurately reflect the true payment history, correct number of late payments, and proper closure status.

3. Ensure the same information appears consistently across all bureaus.

4. Remove any duplicate or inaccurate listings that may be causing negative scoring effects. 

Enclosed are screenshots showing the conflicting reports and any supporting documentation I have available. 

Please conduct this reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ) and provide me with written confirmation of the results within 30 days. 

Thank you for your prompt attention to this matter. 

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
On the XXXX of XX/XX/year> I got a mail from PayPal. The title was Important information about your PayPal account. It was notified that PayPal will recover losses resulting from the restricted activity conducted in connection with your account. 

Now my PayPal account which got permanently restricted on the XXXX of XXXX had never gotten a filed case or neither did I violate the terms and conditions of PayPal. I contacted PayPal on that same explaining to them the last transaction and my business which may have triggered the limitations. But the customer care said there's nothing that can be done to help me out. I accept my faith with a request on when my funds in the balance will be available they said according to the exact date after 180 days. 

On the XXXX of XXXX I received a mail saying that my PayPal balance status of my funds is now available and it can be withdrawn and I also called because the system wasn't letting me withdraw despite continuous trial and now I asked for them to link my second bank they said I can't link a new bank because the bate for 180 days haven't reached. I asked for the customer to provide an exact date on the release of my money which they did being the month of XXXX. 

As at XXXX of XXXX I got a mail from PayPal logging i noticed my balance is not there. No negative balance but a proof that PayPal withdrew my money to them selves. Which I never authorized. I did my research and noticed that PayPal have been found guilty of such offense with their customer countless times. And always walk away with such. This is not right and it's an act of theft. 

I worked for that money they don't have any right to use their system to steal money. This is an act of stealing and I need my money back from PayPal. With an apology for such act of stealing from a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2025-10-14 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: NY

Complaint narrative:
In accordance with the pair credit reporting act XXXX XXXX # XXXX, has violated my rights. 
15 U.S>C> 1681 Section 602 A. States I have the right to privacy.

12 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: PA

Complaint narrative:
b'XXXX XXXXnXXXX\nXXXX\n1XXXX XXXX XXXX XXXX XXXX XXXX\n \nExperian \nXXXX XXXX XXXX XXXX XXXXn\nSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Experian Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\nThe fraudulent accounts that I have identified on my credit report are as follows:\n1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nINQUIRY:\n1.\tP XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\n \nMichael Green'

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 2025-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: MI

Complaint narrative:
I was in an agreement for a van they got into a payment arrangement me with and then proceeded to repossess the van anyway afterwards they are demanding XXXX from me for the van and won't stop calling me I get 10 calls a day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with Under the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under FCRA Law 15 USC 1681 e ( b ), Law 15 USC 1681s-2, and Law 15 USC 1681i ( a ) ( 5 ) 1. Hard Inquiry by XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX 2. Hard Inquiry by XXXX XXXX XXXX on XXXX XXXX, XXXX 3. Hard Inquiry by XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX 4. Initiate Investigation and provide accuracy of collection account reported by XXXX- provide documentation ( signed copy of original account agreement bearing my signature, full payment history and account ledger proof of debt is legally valid ) 5. Initiate Investigation and provide accuracy of collection account reported by XXXX XXXX- provide documentation ( signed copy of original account agreement bearing my signature, full payment history and account ledger proof of debt is legally valid ) 6. Initiate Investigation and provide accuracy of collection account reported by XXXX XXXX XXXX- provide documentation ( signed copy of original account agreement bearing my signature, full payment history and account ledger proof of debt is legally valid ) I looked at my Experian ad noticed some things are incomplete and not accurate. 
According to the FCRA Law 15 USC 1681 e ( b ), Law 15 USC 1681s-2, and Law 15 USC 1681i ( a ) ( 5 ) whenever as consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure 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 2025-10-14 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: MD

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