vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XXXX, 2025, an unauthorized person accessed my XXXX account and bought around {$2000.00} worth of electronic goods to be delivered to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( an address that Ive never lived at or have ever been around ). Because my card information was saved on XXXX for a quick purchasing experience, the person was able to make such purchases without any problem. We immediately contacted XXXX, Chase, and filed a police report. XXXX told us to contact Chase, and Chase said that the purchase costs would be refunded to me because I was not responsible for any unauthorized charges. After a few weeks, Chase sent me a letter saying, We completed our review and determined you are responsible. Im trying to escalate this situation the best way I know, but its falling upon deaf ears. I dont have the financial means to pay for over {$2000.00} worth of goods. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Via Certified Mail with Return Receipt Requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Immediate Cease and Desist & Deletion Demand under 15 U.S.C. 1692c ( c ), 1681n, 1681o, and 1692k Account Reference : XXXX Original Creditor : XXXX XXXX XXXX  To Whom It May Concern, This letter serves as a formal Cease and Desist Notice and Deletion Demand concerning the above-referenced account. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), as authorized by federal law.

I hereby notify you, under 15 U.S. Code 1692c ( c ), to immediately cease and desist all forms of communication with me regarding the above-referenced account. Additionally, I am demanding the deletion of this account from all consumer reporting agencies ( XXXX XXXX, and TransUnion ) within 10 calendar days of your receipt of this letter.

Failure to delete the account and cease all communications will be considered a willful violation of federal consumer protection laws and will result in immediate legal action under the following statutes : You are hereby on notice that failure to comply will result in a claim for : - Defamation of Character ( per se ) - Negligent Enablement of Identity Fraud - Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S. Code 1692g - Fair Credit Reporting Act ( FCRA ) Violations 15 U.S. Code 1681 - Civil Liability for Willful Noncompliance 15 U.S. Code 1681n - Civil Liability for Negligent Noncompliance 15 U.S. Code 1681o - FDCPA Civil Damages 15 U.S. Code 1692k You are hereby given 10 calendar days to : 1. Permanently delete the above-referenced account from all consumer reports ; 2. Cease all communication related to this debt ; 3. Provide me with a free updated copy of my credit report showing the removal of the disputed item ( s ).

Failure to comply will result in a civil lawsuit being filed against your company, where I will be seeking {$1000.00} per violation, in addition to actual damages, legal fees, and punitive damages for your willful and negligent disregard of federal consumer law.

This is your final notice. Govern yourselves accordingly.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, XXXX, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. These accounts include, but may not be limited to : XXXX Account XXXX Status : Paid/ Transferred Inconsistencies : TransUnion and XXXX  report as " Paid '', while Equifax shows `` Transferred '' ; credit limit missing from Equifax. Date account was opened XX/XX/year> vs XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: CA

Complaint narrative:
This letter serves as a formal complaint regarding an unauthorized hard inquiry appearing on my credit report, specifically from * XXXX XXXX on XX/XX/scrub>XXXX XXXX XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), specifically * * 15 U.S.C. 1681b ( f ) * *, it is impermissible for a person to obtain a consumer report for any purpose unless : ( 1 ) it is obtained for a purpose for which the consumer report may be furnished under this section; and ( 2 ) the consumer report is obtained under accurate pretense. Furthermore, * * 15 U.S.C. 1681b ( a ) ( 2 ) * * states that a consumer reporting agency may furnish a consumer report in response to the written instructions of the consumer to whom it relates. This implies that for certain inquiries, especially those initiated by a consumer, a valid, verifiable authorization, often in the form of a wet signature, is required.

I assert that I did not authorize this specific inquiry by XXXX XXXX XXXX on XXXX XXXX XXXX, nor did I provide a wet signature or any other form of valid written consent for this hard pull on my credit report. The presence of this unauthorized inquiry is a direct violation of my consumer rights under federal law. 

Therefore, I demand that you immediately * * validate this specific inquiry by providing a copy of my original wet signature * * authorizing the hard pull by XXXX on XX/XX/year>. If you are unable to provide a document bearing my wet signature for this inquiry, it serves as conclusive evidence that the inquiry was impermissible and unauthorized.

Upon failure to provide such validation, I demand the immediate * * removal of the XXXX  ( XX/XX/year> ) hard inquiry * * from all my credit reports ( Experian, Equifax, and TransUnion )

within 30 days of the date of this letter. Failure to comply will result in further action, including but not limited to, filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. I expect a written response confirming the actions taken to address this matter within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I am a XXXX  who received {$910.00} in financial aid that was directly deposited into my PayPal account. After the deposit, PayPal permanently limited my account without a clear reason, claiming that I violated the User Agreement. I can not send, receive, or withdraw money and was told the balance would be held for 120 days. 

Since the limitation, PayPal has continued to process adjustments and unauthorized dispute reversals on my account despite it being closed which added more funds to my balance ( currently {$920.00} ). However, I still can not access any of the money, and no clear instructions have been given beyond waiting 120 days. 

This is my only source of income as a XXXX. Im requesting an urgent manual review, early release of funds, or a way to resolve the issue sooner. Ive done nothing fraudulent, and I am willing to verify my identity and financial aid source. 

Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
In XX/XX/year> my divorce decree was finalized and my ex husband was to refinance the loan removing me and my VA home loan entitlement. Loan company refused to talk with me after addressing issue and informing them it was illegal for them to allow him to keep my Va loan without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Formal Complaint Against TransUnion for Failure to Conduct Proper Investigation and Maintain Accurate Credit Reporting Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against TransUnion, one of the major consumer reporting agencies, for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2. 

I have submitted multiple written disputes to TransUnion with documented proof of inaccurate information that continues to be reported on my credit profile. Despite my good faith efforts to have these matters corrected, the inaccurate information remains. 

To make matters worse, during a recent phone conversation with a TransUnion representative ( which I recorded ), I was told directly that TransUnion does not conduct a thorough investigation when responding to consumer disputes. The employee stated they merely send an email to the furnisher and rely on a simple yes or no response. This process does not satisfy the requirements for a reasonable or meaningful investigation, and it clearly violates my rights under the FCRA. 

I believe this to be a systemic failure by TransUnion to comply with the FCRAs requirement that credit reporting agencies perform proper investigations into consumer disputes, particularly as outlined in 15 U.S.C. 1681i and 1681s-2 ( b ). The law requires that once a consumer reporting agency receives a dispute, it must conduct a reasonable investigation and delete or correct inaccurate, incomplete, or unverifiable information. 

As of today, the following inaccurate and/or unverifiable information remains on my TransUnion report : XXXX XXXX Account XXXX XXXX : Reporting inaccurately. I request that this account be removed entirely. 

XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX : Should be reported as Paid as Agreed. 

XXXX XXXX Account XXXX XXXXXXXX : Should be reported as Paid as Agreed. 

XXXX Account XXXX XXXXXXXX : Should be reported as Paid as Agreed. 

I am formally requesting the CFPB to investigate TransUnions failure to fulfill its legal obligations and take the appropriate enforcement actions. I am also requesting that TransUnion be instructed to remove or properly update the above accounts and provide written confirmation of the corrections

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 2025-07-12 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-12 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: DC

Complaint narrative:
I was looking at my credit and there are student loans on there with Dept of Ed and XXXX. I dont know where they came from I just know that are not mine. Please help me with fixing this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: DC

Complaint narrative:
I was looking at my credit and there are student loans on there with Dept of Ed and XXXX. I dont know where they came from I just know that are not mine. Please help me with fixing this problem.

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 2025-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo lied to me on many of my calls to them. They were unjustified illegal and helping my XXXX  XXXX and financial abusing ex. And did all this after my constant contact and repeatedly lied to me telling me that when the intentionally job change and unpaid child support would soon be restarted and I could continue paying the last few payments I still owed. I was not sent any notice of repo I was not hiding anything from Wells Fargo and was more than honest about what was going on in my intention to continue paying as soon as that situation was solved. I received a letter from FL child support the day before the repossession telling me they found my ex knew his employer and child support was resuming. Wells Fargo and my abuser were in constant contact and he directed them to where I was living and where the vehicle was and they worked together to take it despite my access to child support resuming very soon. After the repo, I sent multiple notices and legal proof they needed to return my vehicle and they wouldnt despite my constant act to reinstate my liability and give me my only vehicle back.

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 2025-07-12 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: PR

Complaint narrative:
In accordance with the fair credit reporting act account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602A. STATES I HAVE THE RIGHT TO privacy.

15 USC 1681 Section 604 A Section 2 : It Also States a consumer reporting agencia can not furnish a account without my written instruccions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: PR

Complaint narrative:
In accordance with the fair credit reporting act account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602A. STATES I HAVE THE RIGHT TO privacy.

15 USC 1681 Section 604 A Section 2 : It Also States a consumer reporting agencia can not furnish a account without my written instruccions.

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 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Via Certified Mail with Return Receipt Requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Immediate Cease and Desist & Deletion Demand under 15 U.S.C. 1692c ( c ), 1681n, 1681o, and 1692k Account Reference : XXXX Original Creditor : XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal Cease and Desist Notice and Deletion Demand concerning the above-referenced account. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), as authorized by federal law.

I hereby notify you, under 15 U.S. Code 1692c ( c ), to immediately cease and desist all forms of communication with me regarding the above-referenced account. Additionally, I am demanding the deletion of this account from all consumer reporting agencies ( XXXX, Experian, and XXXX  ) within 10 calendar days of your receipt of this letter.

Failure to delete the account and cease all communications will be considered a willful violation of federal consumer protection laws and will result in immediate legal action under the following statutes : You are hereby on notice that failure to comply will result in a claim for : - Defamation of Character ( per se ) - Negligent Enablement of Identity Fraud - Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S. Code 1692g - Fair Credit Reporting Act ( FCRA ) Violations 15 U.S. Code 1681 - Civil Liability for Willful Noncompliance 15 U.S. Code 1681n - Civil Liability for Negligent Noncompliance 15 U.S. Code 1681o - FDCPA Civil Damages 15 U.S. Code 1692k You are hereby given 10 calendar days to : 1. Permanently delete the above-referenced account from all consumer reports ; 2. Cease all communication related to this debt ; 3. Provide me with a free updated copy of my credit report showing the removal of the disputed item ( s ).

Failure to comply will result in a civil lawsuit being filed against your company, where I will be seeking {$1000.00} per violation, in addition to actual damages, legal fees, and punitive damages for your willful and negligent disregard of federal consumer law.

This is your final notice. Govern yourselves accordingly.

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 2025-07-12 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit. Thank you.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as a formal complaint regarding an unauthorized hard inquiry appearing on my credit report, specifically from * XXXX XXXX on XX/XX/scrub>XXXX XXXX XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), specifically * * 15 U.S.C. 1681b ( f ) * *, it is impermissible for a person to obtain a consumer report for any purpose unless : ( 1 ) it is obtained for a purpose for which the consumer report may be furnished under this section; and ( 2 ) the consumer report is obtained under accurate pretense. Furthermore, * * 15 U.S.C. 1681b ( a ) ( 2 ) * * states that a consumer reporting agency may furnish a consumer report in response to the written instructions of the consumer to whom it relates. This implies that for certain inquiries, especially those initiated by a consumer, a valid, verifiable authorization, often in the form of a wet signature, is required.

I assert that I did not authorize this specific inquiry by XXXX XXXX XXXX on XXXX XXXX XXXX, nor did I provide a wet signature or any other form of valid written consent for this hard pull on my credit report. The presence of this unauthorized inquiry is a direct violation of my consumer rights under federal law. 

Therefore, I demand that you immediately * * validate this specific inquiry by providing a copy of my original wet signature * * authorizing the hard pull by XXXX on XX/XX/year>. If you are unable to provide a document bearing my wet signature for this inquiry, it serves as conclusive evidence that the inquiry was impermissible and unauthorized.

Upon failure to provide such validation, I demand the immediate * * removal of the XXXX  ( XX/XX/year> ) hard inquiry * * from all my credit reports ( Experian, Equifax, and TransUnion )

within 30 days of the date of this letter. Failure to comply will result in further action, including but not limited to, filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. I expect a written response confirming the actions taken to address this matter within 30 days.

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 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am submitting this complaint regarding a substantial and unexplained reduction in my Citi credit card limit from {$21000.00} to {$500.00} despite no changes in my creditworthiness or financial behavior. 

After contacting Citi directly, I was not given a specific reason for this reduction. I also checked with XXXX, which reported no adverse changes or delinquencies on my credit file that would justify such action. To date, I have not received an Adverse Action Notice from Citi explaining their decision, as is required under the Fair Credit Reporting Act.

This limit reduction has negatively affected my credit utilization ratio and has the potential to significantly harm my credit score, without due cause. I am concerned that Citi may have made this decision arbitrarily or without providing the legally required disclosures.

I am requesting that the CFPB investigate Citis conduct and assist in obtaining a formal explanation for their decision. A fair resolution in this matter would be to reinstate my original credit limit of {$21000.00}.

Thank you for your assistance in resolving this issue and ensuring fair consumer credit practices are upheld.

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