vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: NJ

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 non-monetary relief
Consumer complaint received 2025-04-03 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: IN

Complaint narrative:
On XX/XX/XXXX, I attempted to log into my Chime checking account after noticing my debit card had expired in XX/XX/XXXX and no replacement was sent. I received an error message indicating the account had been closed. I did not request or authorize this closure, and Chime provided no prior notice via email, mail, or any other method about the closure or any intent to close the account. At the time of closure, my account balance was {$210.00}, which I confirmed with XXXX customer service. 

On the same day, XX/XX/XXXX, I called XXXX customer service at XXXX to inquire about the closure and request the return of my {$210.00}. The representative confirmed this was the correct balance but refused to issue a check or provide a direct payment. Instead, they instructed me to visit the Indiana Property search website and file a claim there to recover my funds. I followed this directive and searched the website thoroughly, but no unclaimed property was listed under my name. 

On XX/XX/XXXX, I escalated the issue by filing a complaint with the XXXX XXXX XXXX XXXX XXXX  ). Chime responded to the XXXX, stating that my account was closed on XX/XX/XXXX, due to non-compliance with their policies and that they were reviewing my complaint. However, their response did not address the return of my {$210.00} or provide any clear instructions on how I could retrieve it. They suggested I call the same customer service number I had already contacted, which had previously failed to resolve the issue. 

To date, Chime has not returned my {$210.00}, nor have they provided accurate or actionable guidance on how I can recover these funds. Their actionsor lack thereofhave left me without access to money that rightfully belongs to me, causing significant inconvenience. I am seeking the immediate return of my {$210.00}, preferably via a check or direct payment, as Chime has not fulfilled its obligation to return my funds after closing my account without notice or consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-03 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: AZ

Complaint narrative:
I have been a business user on PayPal for over 12 years with a track record of hundreds of thousands of dollars in legitimate transactions. I completed a fully contracted and documented software development project for a client. They paid a deposit, the work was delivered as agreed, and then instead of paying the remaining balance, they filed a dispute. 

I submitted all evidence requested : signed agreement, detailed communications, development timeline, delivery links, working software, and proof the project was completed and accepted. Despite this, PayPal ruled in favor of the buyerwithout any clear justificationand froze the remaining funds in my account. This includes unrelated recent deposits that I can not access or stop. 

I have reached out repeatedly to customer service, requesting escalation, and I continue to be told that someone will review my case within 14 days. It has now been over XXXX days**, and I still have **no access to the funds**. These are funds I had set aside as a **deposit for XXXX XXXX**, and due to this situation, Ive missed XXXX medical appointments and have been put in a dire financial and medical situation. 

PayPals decision contradicts the evidence and shows a complete lack of urgency or care. Ive requested to escalate to their Executive Office but have received no response. I am now turning to the CFPB for support. My request is simple : a formal review and the immediate release of my account funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-04-03 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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 hope this letter reaches the correct department, as I would like to follow up on my dispute about these derogatory accounts that you have furnished on my credit report without my permission. This unauthorized disclosure represents a clear violation of my consumer rights under the Fair Credit Reporting Act.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-04-03 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: AR

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

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 2025-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I run a small business XXXX XXXX XXXX and paid {$700.00} via XXXX through my Chase business account to a seller who verbally represented a XXXX XXXX bag as authentic. I later had the bag professionally authenticated and confirmed it is counterfeit. I also filed a police report ( Case XXXX XXXX XXXX XXXX ) for fraud involving counterfeit merchandise. 

I submitted all supporting documentation to Chase, including the police report, authentication proof, and seller contact details. Despite this, my claim was dismissed as an authorized transaction, with no apparent consideration of the fraudulent nature of the sale. 

I am requesting that Chase either reopen the investigation or issue a courtesy credit, especially given the professional documentation, the business context, and the seriousness of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX U.S.C 1681 section 602 A. States I have the right to privacy. 

15 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-03 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: 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. This is XXXX 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 2025-04-03 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:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX for inaccurately reporting a repossession on my XXXX, XXXX, and Experian credit reports. The vehicle in question was never repossessed. I am still the full owner of the vehicle, which has been paid in full and the account closed. 

Account Details : - Creditor : XXXX XXXX XXXX - Account Number : XXXX I hereby request that XXXX XXXX  provide me with : 1. Copies of the legal notices pertaining to the alleged repossession. 
2. Evidence demonstrating the commercially reasonable manner in which the subject vehicle was resold. 

Failure to furnish the requested proof within 14 days from the receipt of this notice will render the alleged deficiency claim null and void. Any further collection activities or continuation of reporting this unsubstantiated claim on my credit reports will be regarded as a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I wish to remind you that non-compliance with the aforementioned requests may result in my pursuit of legal action and seeking damages against all parties involved. 

I expect a prompt response to this matter, and I thank you for your attention to this concern. 

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 2025-04-03 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: MO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX for inaccurately reporting a repossession on my TransUnion, XXXX, and XXXX credit reports. The vehicle in question was never repossessed. I am still the full owner of the vehicle, which has been paid in full and the account closed. 

Account Details : - Creditor : XXXX XXXX XXXX - Account Number : XXXX I hereby request that XXXX XXXX provide me with : 1. Copies of the legal notices pertaining to the alleged repossession. 
2. Evidence demonstrating the commercially reasonable manner in which the subject vehicle was resold. 

Failure to furnish the requested proof within 14 days from the receipt of this notice will render the alleged deficiency claim null and void. Any further collection activities or continuation of reporting this unsubstantiated claim on my credit reports will be regarded as a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I wish to remind you that non-compliance with the aforementioned requests may result in my pursuit of legal action and seeking damages against all parties involved. 

I expect a prompt response to this matter, and I thank you for your attention to this concern. 

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 2025-04-03 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: MO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX for inaccurately reporting a repossession on my XXXX, Equifax, and XXXX credit reports. The vehicle in question was never repossessed. I am still the full owner of the vehicle, which has been paid in full and the account closed. 

Account Details : - Creditor : XXXX XXXX XXXX - Account Number : XXXX I hereby request that XXXX XXXX  provide me with : 1. Copies of the legal notices pertaining to the alleged repossession. 
2. Evidence demonstrating the commercially reasonable manner in which the subject vehicle was resold. 

Failure to furnish the requested proof within 14 days from the receipt of this notice will render the alleged deficiency claim null and void. Any further collection activities or continuation of reporting this unsubstantiated claim on my credit reports will be regarded as a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I wish to remind you that non-compliance with the aforementioned requests may result in my pursuit of legal action and seeking damages against all parties involved. 

I expect a prompt response to this matter, and I thank you for your attention to this concern. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: Synovus Bank
State: NC

Complaint narrative:
XXXX XXXX {$790.00} item was submitted to insurance company and XXXXXXXX XXXX  for reimbursement and closed but its still on my account. 

XXXX XXXX XXXX {$370.00} Item does not belong to me and company is threating with false charges for item that does not belong to me XXXX XXXX XXXX {$640.00} Item was closed with no balance, but they show a collection on my account. 

XXXX XXXX {$690.00} Items does not belong to me. 

XXXX XXXX {$3000.00} items does not belong to me because i did not live at that residence. 

XXXX XXXX {$3900.00} Item does not belong to me. 

All items that i have have been submitted for dispute and i have submitted items that do not belong to me to XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
XXXX XXXX {$790.00} item was submitted to insurance company and XXXXXXXX XXXX for reimbursement and closed but its still on my account. 

XXXX XXXX XXXX {$370.00} Item does not belong to me and company is threating with false charges for item that does not belong to me XXXX XXXX XXXX {$640.00} Item was closed with no balance, but they show a collection on my account. 

XXXX XXXX {$690.00} Items does not belong to me. 

XXXX XXXX {$3000.00} items does not belong to me because i did not live at that residence. 

XXXX XXXX {$3900.00} Item does not belong to me. 

All items that i have have been submitted for dispute and i have submitted items that do not belong to me to XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

Company response to consumer: Closed with explanation