vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 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: MN

Complaint narrative:
hat happened : I used PayPal to collect monthly rent payments from four tenants, totaling about {$3200.00} per month. I was unaware that PayPal prohibits rent collection between landlords and tenants. I verified my identity when requested and immediately afterward my account was permanently limited. There were no disputes, chargebacks, or complaints from my tenants. 

PayPal is holding my balance of {$1000.00} for up to 180 days even though this money belongs to me and there are no pending liabilities. The funds represent rent proceeds used to pay my mortgage. Withholding them for six months creates a serious financial hardship and places me at risk of foreclosure. 

I understand I unintentionally violated PayPals policy, but I acted in good faith and disclosed the business purpose. The sudden freeze without warning or appeal is disproportionate and punitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: AL

Complaint narrative:
I am filing a formal complaint against TransUnion for reporting inaccurate and obsolete information on my credit report regarding an XXXX  ( XXXX  XXXX XXXX ) account. 

This account is being reported as both Closed and Current, which is impossible. The balance is listed as {$0.00}, yet it still shows an active payment status. The Date of Last Payment is from XXXX, but TransUnion shows the account as last verified in XXXX and closed in XXXX. This is inconsistent, misleading, and violates the Fair Credit Reporting Act ( FCRA ).

According to FCRA 602 ( a ), 607 ( b ), 611 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( A ), and 605 ( a ) ( 5 ), TransUnion must follow reasonable procedures to ensure maximum accuracy and remove any outdated or unverifiable information. The account has been closed and paid for years, yet it continues to report and negatively affect my credit file.

In addition, TransUnion failed to label this account as disputed, violating my right under FCRA 611 ( a ) ( 1 ) ( A ). The way this information is coded also violates Metro 2 reporting standards, including : Field 11 ( Account Status ) should show Closed/Paid, not Current.

Field 17B ( Payment Status ) can not report Current for a closed account.

Field 25 ( Terms Duration ) can not show 0 Months.

Field 38 ( Date of Last Payment ) can not predate the closed date by more than 24 months.

I feel like Transunion is taking advantage of me. This information is inaccurate, outdated, and misleading. I am requesting that the XXXX account be permanently deleted from my credit file and that TransUnion provide a written confirmation of correction. 

Please investigate this matter under the FCRA and require TransUnion to comply with federal reporting standards.

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 2025-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am submitting this complaint regarding the account reported by CAPITAL ONE ( Account # XXXXXXXX XXXX XXXX XXXX  ), opened on XX/XX/year>XXXX  with a high balance of {$280.00}, which is being reported with a late payment. This information is false and inaccurate, as I have never made any late payments on this account. The furnishers failure to ensure accuracy in reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2, which requires data furnishers to report only complete and verified information. 

This false reporting has harmed my credit score and financial credibility. CAPITAL ONE has not provided any supporting documentation or proof that a late payment occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
On XX/XX/year> I requested to provide proper debt validation for the alleged debt they claim I owe by mail Specifically, I asked for : The original signed agreement or contract that established this debt. 
A complete accounting of the debt, including all charges, interest, fees, and payments applied. 
The full chain of assignment, transfer, or sale of the debt, including copies of all contracts or agreements demonstrating their legal right to collect. 
Despite my request, they failed to provide any of the above documentation. I believe they are attempting to collect a debt without providing the legally required verification, which may be a violation of my rights under the Fair Debt Collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have asked Experian to send me proof all inaccurate information was verified and they fail to send me anything

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 2025-11-01 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: FL

Complaint narrative:
MY CREDIT REPORT WITH TRANSUNION AND EXPERIAN SHOWS A DEBT WITH COLLECTION AGENCY CALLED XXXXXXXX XXXX THIS ACCOUNT LENDER ORIGINALLY IS XXXX XXXX BANK IN XXXX.IN THIS YEAR XXXX  AND NEVER HAD ANY FINANCIAL RELATIONSHIP WITH XXXX XXXX AND XXXX XXXX BANK . 
I DEMAND THAT EXPERIAN AND TRANSUNION REQUEST AND SEND ME A CONTRACT SIGNED BY ME WITH THAT COMPANY XXXX XXXX BANK VALIDATING THAT DEBIT, I HAVE REQUEST IT IN SEVERAL DISPUTES AND THEY HAVE IGNORED ME.I REQUEST YOUR DEPARTMENT ASSISTANCE IN REMOVING THIS UNFAIR COLLECTION FROM MY REPORT CREDIT AS IT IS NEGATIVELY IMPACTING MY GOOD CREDIT HISTORY

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 2025-11-01 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-01 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: AR

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint because there are several inaccurate and unauthorized items being reported on my credit report by the credit bureaus and furnishers. These errors have negatively impacted my credit score and are causing undue harm.

Below are the specific issues I am disputing : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address does not belong to me and should be deleted from my credit profile immediately as it is being reported in error. 
Late Payment ( Incorrect Reporting ) : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  | Balance : {$18000.00} This account is reporting late payments which are completely inaccurate. I have never made any late payments on this account. I request that the payment history be corrected to show an accurate and positive status. 
Unauthorized/Unrecognized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recall authorizing these credit inquiries. As these inquiries were made without my permission, they must be removed immediately as required under FCRA 604 ( a ) ( 3 ). 
I have already contacted the credit bureaus to dispute these inaccuracies, but the issues remain unresolved. I am now seeking assistance from the CFPB to ensure that my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) are fully protected. 
I request that the CFPB investigate these violations, direct the data furnishers and credit bureaus to remove or correct the inaccurate information, and ensure compliance with all applicable consumer protection laws. 
Thank you for your time and attention. I look forward to your response and resolution.

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 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year>, a Chime account and credit card were fraudulently opened in my name without my authorization. The account appeared on my credit report two months later, causing a XXXX credit-score drop. I discovered the account on XX/XX/year> and immediately contacted Chime. 

Chime confirmed that the account had been opened WITHOUT ANY photo identification or identity verification, despite Chimes published policy requiring government photo ID under its Customer Identification Program ( CIP ). Their representative stated that the system never asked for one and that no selfie, photo-ID, or mail verification occurs during onboarding. 
This means Chime : ( 1 ) FAILED to follow its own XXXX requirements for verifying identity before opening an account, and ( 2 ) Allowed clearly fraudulent activity under my name to continue until I reported it. 
I filed a police report ( attached ) and provided Chime with documentation, including the fraudulent transaction history and the credit report entry. The representative further admitted that Chime currently has NO safeguards preventing identity theft or verifying true identity on applications. They are aware that there is a loop hole and they are COMPLIANT in people using their system for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I contacted Marble Law Firm to assist me in my XXXX Divorce/Family Law case. On XX/XX/XXXX, I talked to an attorney who agreed to take my case. In addition, I signed a XXXX XXXX XXXX XXXX with a service fee {$3300.00}. I was also approved for a loan in the amount of {$3500.00} from XXXX XXXX through XXXX XXXX which I did not use. 
On XX/XX/XXXX, I signed a Marble Agreement Updated which states, This Marble Agreement Update ( " Update '' ) amends the Marble Agreement between ( " Client '' or " you '' ), Marble PC dba Marble, PC ( " Marble '' ) and Co-Counsel dated XX/XX/XXXX ( " Marble Agreement '' ). The Fee for the Services under the XXXX XXXX as amended by this Update will be increased by {$3600.00}. 
I paid {$3600.00} out-of-pocket using my debit card in order for the attorney to started on my case. 
On XX/XX/XXXX, I cancelled service. 
On XX/XX/XXXX, I signed another Marble Agreement Update, which stated, This Marble Agreement Update ( " Update '' ) amends the Marble Agreement between ( " Client '' or " you '' ), Marble PC dba Marble, PC ( " Marble '' ) and Co-Counsel dated XXXX XXXX, XXXX ( " Marble Agreement '' ). The Fee for the Services under the XXXX XXXX as amended by the Update will be reduced by {$2600.00}. 
On XX/XX/XXXX, Marble Law credited XXXXXXXX XXXX my signed Marble Agreement Update reduced fee of {$2600.00} which was supposed to have been credited back to my debit card. 
XXXX XXXX emailed and mailed me statements that I owe {$1200.00} for charges or purchases that I never made or authorized. I filed a dispute and requested a refund with XXXX XXXX who denied my dispute and refund by providing me a copy of the XXXX XXXX Family Law Marble Agreement with a service fee {$3300.00} which was longer valid due to the XX/XX/XXXX Marble Agreement Update that I paid out of pocket. XXXX XXXX sent my account to a debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: TN

Complaint narrative:
Last month on XX/XX/XXXX at XXXX, I got double charged by a merchant and they told me and even confirmed that it is indeed NOT on their end and to contact my bank for a dispute ( chime ), chime has been double charging me for that claim EVERY SINGLE MONTH AFTERWARDS AND THEN START BELITTLING YOU AND CALLING YOU A LIAR WHEN YOU PROVIDED NUMEROUS AMOUNTS OF EVIDENCE. They DO NOT care about their customers and theyve been holding my money hostage like its some kind of joke or game to them when this is quite literally theft from a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
Opened a new account in XXXXXXXX XXXX XXXX on XXXX XXXX on XX/XX/year>. It had an new account opening bonus. The banker said they also had a promotion for their business checking account. She said that I could get both bonuses. I said are you sure as we read fine print- she went and asked her manager and confirmed that business and personal checking accounts would both get bonus. 

I followed all requirements for the business checking bonus, but they didn't pay out. After 5-6 phone calls and talking with different people, they sent me back to branch manager. She sent in a request for the promotion to be honored due to the lack of clarity and her telling me i would get both bonuses, but they refused again. I have emails documenting a follow up with the branch manager to make sure I was following all the parameters correctly as well. 

My complaint is that they are not honoring what they told me- and i actually have emails to prove it ( luckily for me ).

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 monetary relief
Consumer complaint received 2025-11-01 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: Early Warning Services, LLC
State: WI

Complaint narrative:
On XX/XX/year>, I transferred funds from my XXXX Bank account to my XXXX XXXX and XXXX XXXX accounts. XXXX  successfully received it, XXXX did not. I called Zelle on the same day to determine the issue and if there was a hold. The first agent I spoke with, whose name I was unable to get, was very confusing and insisted I check with XXXX Bank. I explained I already did and transaction shows completed on my end. He was adamant it was a XXXX Bank issue and I explained that all other transactions went through but this one. I asked for a XXXX and he refused me multiple times and talked over me. I was frustrated and asked for a XXXX and he transfered me to the XXXX Bank line. Horrible customer service skills and de-escalation process. I called back, spoke with XXXX, who then said the escalation line is closed and they would just call back! He was able to give a better explanation what XXXX be happening but still unsatisfactory. I know XXXX Bank and XXXX are not affiliated, it does not explain how XXXX or XXXX can receive funds instantly but not XXXX. They aren't affiliated with XXXX Bank either. Please review, this XXXX even constitute a Reg E violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am disputing multiple reporting and reinvestigation violations under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX data accuracy standards by TransUnion. 

Specifically, my file contains : Inaccurate or unverified personal identifying information ( PII ) including variations of my name, old or incorrect addresses, and outdated or unverified employers. These discrepancies do not match my current legal identification or supporting documents. 

Account records showing inconsistent or incomplete data fields including missing dates, incorrect statuses, miscoded account types, contradictory comments, and incomplete XXXX XXXX formatting. These errors prevent maximum possible accuracy as required by FCRA 607 ( b ). 

Hard inquiries that appear to lack a permissible purpose or verifiable authorization under FCRA 604. Several inquiries display incomplete or mismatched identifying information and have not been properly verified despite my written dispute.

I submitted a formal written dispute citing FCRA 609, 611, and 623, requesting the Method of Verification XXXX XXXX XXXX, investigation logs, and evidence of verification at the field level for each disputed item. I did not receive any documentary proof or detailed verification records within the statutory timeframe. 

This lack of verification and the continued publication of potentially inaccurate data directly affect my credit score and financial opportunities. TransUnions failure to reinvestigate and verify as required violates FCRA 611 ( a ) and XXXX XXXX XXXX data standards.

Company response to consumer: Closed with explanation