vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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:
Non Response to Debt Validation ( Account No. XXXX ) Dear XXXX XXXX XXXX XXXX XXXX, This letter is a final demand regarding the alleged debt you claim I owe ( Account No. ( XXXX ). On XX/XX/year>, I formally requested full validation of this alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g and related consumer protection laws. 
To date, you have failed to provide proper validation of the alleged debt. Merely sending billing statements does notsatisfy the legal requirement to validate a debt. I specifically requested : * A copy of the original signed contract or agreement bearing my signature * A full itemized breakdown of the charges and how the balance was calculated * Proof that you are legally authorized to collect this debt in my state * A copy of any assignment or transfer of the debt from the original creditor Your failure to respond with the requested documentation is a direct violation of federal law. Therefore, I am formally demanding that you immediately : XXXX. Cease all collection activities related to this alleged account XXXX. Delete and remove this account from all credit reporting agencies ( Experian, Equifax, and TransUnion ) XXXX. Provide written confirmation that the account has been closed and will not be pursued further If this matter is not resolved within 15 days of receipt of this letter, I will proceed with filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's Office. I will also consider pursuing legal action for violations of my consumer rights. 
This is your final notice. Govern yourself accordingly. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
My mother passed away. On XX/XX/XXXX, her account was closed. I am her daughter and I was her Power of Attorney. I believe her account was closed when Social Security declined her payment for XXXX. 

After numerous phone calls, I was able to get an email with the link to upload documents. I sent my mother 's death certificate, my ID, and my current address to XXXX at Chime on XX/XX/XXXX. I have also written him emails with questions. He does not respond to any of my emails. I have not heard from Chime since I uploaded my documents. 

I called on Friday, XX/XX/XXXX and today, XX/XX/XXXX. I was on the phone for an hour today and received no answers. I was given the run around and the same tired answers. I had to speak to two supervisors. The first supervisor asked me to submit my paperwork again and I told him I would not without confirmation. He was pretty rude and condescending on the phone. I asked to speak to another supervisor. She would not even get into my mother 's account. 

I don't have a problem with waiting for my mother 's funds. I have a problem with no one responding to my emails and not confirming they received my paperwork and what are the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-24 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-24 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: Paypal Holdings, Inc

Complaint narrative:
I made a XXXX purchase on XX/XX/XXXX for {$150.00}. I did not receive the full order so I contacted XXXX to no avail. Because I used PayPal I submitted a claim. Its over 2 months now and I have XXXX resolve. PayPal just keeps pushing back the estimated resolve day and when I call them they say they are waiting to hear back from the seller. I have sent them all the evidence needed to prove I did not get my full order so I dont know what is taking so long to resolve this issue. Would appreciate your help recovering my money for the missing items. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/year> I attempted to purchase {$30.00} in gas at XXXX XXXX gas pump in XXXX however my card declined I then proceeded to go inside of XXXX XXXX to attempt purchase {$30.00} however, my CHIME card declined on when checking the Chime app it showed I was at - {$20.00} Prior to this mishap i had {$47.00} available and {$20.00} available in XXXX  me which allows XXXX to overdraft a maximum of {$20.00}. I attempted to speak with a worker at XXXX regarding this transaction however I was told I needed to contact my bank. When I contacted my bank which is Chime, a representative informed me she saw I had {$47.00} prior to XXXX transaction at XXXX XXXX representative also states she is also able to see that my account was left at a negative balance due to this issue however representative stated they could not file a dispute on my behalf.or replace funds taken from my account. I also asked to speak with a supervisor however, instead they continued to transfer the call around multiple times ultimately denying me the right to speak with a supervisor

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Capital One regarding unauthorized charges on my credit card account and their refusal to reimburse me for transactions I did not make. 

In XXXX and XX/XX/year>, I was charged for transactions made on a credit card that I never received and have never used. The account had a XXXX balance the last time I checked. Unfortunately, the card was sent to my address but was stolen before I received it. I have a witness who can attest that packages frequently go missing from my building because neighbors steal deliveries from the downstairs area. 

The fraudulent transactions caused Capital One to charge me automatically through autopay at the beginning of each month, which I did not realize at first. As a result, my hard-earned money was taken without my authorization. When I contacted Capital One to dispute the charges, they closed the account but refused to refund the stolen money. 

Unauthorized Charges : XX/XX/year> : {$220.00} XX/XX/year> : {$180.00} Total : {$410.00} This situation has left me in financial distress, struggling to afford basic necessities. I believe this is unfair and unjust, as I am the victim of fraud and package theftsomething beyond my control. Capital Ones refusal to reimburse me violates consumer protection laws, including Regulation Z ( Truth in Lending Act ), which limits my liability for unauthorized credit card charges to {$50.00} if reported promptly. I reported the issue as soon as I became aware of it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am disputing the inaccurate reporting of two Capital One credit card accounts that have been charged off but continue to report outstanding balances that may have been settled or canceled, and Capital One has failed to issue a Form 1099-C if the debts were canceled. This may violate the Fair Credit Reporting Act ( FCRA ) and IRS regulations.

I am submitting this complaint against Capital One regarding two charged-off accounts that are being inaccurately reported to the credit bureaus. 

Account ending in XXXX is reporting a balance of {$1800.00} Account ending in XXXX is reporting a balance of {$660.00} Both accounts are marked as " Charged-Off '' on my credit reports, but the reported balances are questionable. Capital One has not : Provided verification of the amounts, Updated the tradelines to reflect accurate status if the debt was canceled, settled, or sold, Issued a Form 1099-C, if any portion of the debt was canceled as required by 26 U.S. Code 6050P, nor Complied with their obligation under FCRA 623 to report complete and accurate information.

I believe this reporting is : Inaccurate or incomplete, Potentially misleading to other creditors, In violation of my consumer rights under the FCRA.

I have not received proper documentation from Capital One to justify the reported balances after charge-off. If the accounts were settled or canceled in whole or part, Capital One may be in violation of IRS and credit reporting requirements.

I am requesting : A full investigation into the accuracy of both accounts, Verification of the balances and account statuses, Issuance of 1099-C forms if the debts were canceled, Immediate correction or deletion of any inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report.

Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. 
Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). 
In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements. 
I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : Experian, Equifax, and TransUnion RE : FORMAL NOTICE OF DISPUTE UNDER FCRA, FDCPA, AND XXXX XXXX - IMMEDIATE REMOVAL DEMAND DUE TO INACCURATE, UNVERIFIABLE, AND FRAUDULENT INFORMATION To Whom It May Concern, This letter serves as a formal dispute and legal demand for immediate investigation and permanent deletion of all the inaccurate, incomplete, unverifiable, and/or fraudulent accounts listed below. I am asserting my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), and XXXX XXXX compliance standards, and I am a documented victim of identity theft. 
Under FCRA 611, you are required to conduct a reasonable investigation within 30 days of this notice and Formal Dispute Letter - XXXX XXXX remove any information that can not be verified with original source documentation.

THE FOLLOWING ACCOUNTS MUST BE REMOVED IMMEDIATELY : 1. XXXX XXXX XXXX XXXX ( Account ending in XXXX XXXX XXXX XXXX  - Charge-offs with conflicting information, unverifiable balances ( {$12000.00} and {$6600.00} ), and incomplete payment history. 
2. XXXX XXXX ( Account ending in XXXX ) - Duplicate listings ( {$4400.00} and {$1200.00} ), unverifiable data, and inconsistent reporting. Must be deleted. 
3. XXXX XXXX ( Charge-off account ending in XXXX ) - Inconsistent reporting across bureaus, disputed under FDCPA 809 ( b ). 
4. XXXXXXXX XXXX XXXXXXXX XXXX - Identity Theft Indicator - These may be fraudulent accounts. Under FCRA 605B, I demand a block of this information. 
5. Any other derogatory account lacking full XXXX XXXX compliance ( missing XXXX, incorrect status codes, or conflicting balance updates ). 
I DEMAND : - Permanent deletion of the above accounts - Full results of reinvestigation and source of verification - Updated credit reports sent to all recipients within the last 6 months ( per FCRA 611 ) Formal Dispute Letter - FCRA/FDCPA/Metro 2 NOTICE OF INTENT : Failure to comply will result in complaints filed with the CFPB, FTC, and legal action under FCRA 616 and FDCPA 813.

This is your legal notice. Cease and desist reporting fraudulent or inaccurate accounts immediately.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I HAVE 6 HARD INQUIRIES ON TRANSUNION THAT I DIINT RECOGNIZE 1-XXXX XXXX ON XXXX ON XXXX XXXX, 3-XXXX XXXX  ON XXXX XXXX XXXX XXXX  ON XX/XX/XXXX, AND XXXX XXXX XXXX 0N XXXX XXXX, I SUMMITE DISPUTE, FOZEN MY CREDIT AND I STLL RECIEVEND INQUIRY.I HAVE BEEN VICTIM OF IDENTITY THIEF BY SOMEONE ON THE STATES, THAT WAS A PHONE NUMBER ON MY CREDIT THAT NOT WERE MINE FRO MARYLAND AREA OR XXXX, MD, CAN YOU HELP ME THRU FIX THI

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 2025-07-24 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: NV

Complaint narrative:
Since XX/XX/year>, XXXX  has been holding my money in the amount of {$1200.00} with no valid justification. I have submitted multiple forms of documentation, including proof of identity, proof of account ownership, and proof of the funds. Despite this, XXXX  has refused to allow me to access or transfer my money. 

Every time I reach out for help, I receive what appears to be automated or pre-written responses that completely ignore the specific details Ive provided. Most recently, I was told that I would not be able to access my own money for 180 days, with no clear explanation other than vague references to loss prevention. 

I am being denied access to funds that are legally mine and essential to my livelihood. XXXX  has stated that they will no longer respond to any further messages, leaving me completely blocked from resolving this issue. This situation is unfair, unreasonable, and deeply harmful. 

I am asking the Consumer Financial Protection Bureau to intervene and help me recover the money that is rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AE

Complaint narrative:
I am XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX, a fraudulent credit was opened against my name and SS and charged {$4000.00}. Since I was overseas, I did not have a reason to check my credit and I didn't know about this fraud until XXXX. Now my credit score has dropped significantly and continues to drop. I have called the three credit reporting agencies to dispute this but I got a letter than the fraud can not be removed. I need help!

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 2025-07-24 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: NY

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 
Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data, In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements. 
The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 
Accordingly, I require either : A certified copy of the original wetink signed agreement ; or XXXX confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I disputed an inaccurately reported XXXX XXXX XXXX with all three major credit bureaus. I provided written proof from the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX North Carolina ) confirming that the court does not furnish or verify bankruptcy data to any consumer reporting agency. Despite this, the bankruptcy remained on my report, and I received generic responses with no reference to the courts statement. This has severely damaged my credit, prevented me from securing basic resources like food and transportation, and caused extreme emotional distress. 

I also sent Final Demand Letters with supporting documentation, and Ive filed complaints with the CFPB. Still, the CRAs have refused to remove the entry or acknowledge the verifiable proof I submitted. 

This inaccurate reporting has caused medically documented harm including XXXX XXXX XXXX XXXXXXXX, and loss of wages. It has affected my ability to work, pay for medication, and live safely and independently.

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