vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year> I booked a room at XXXX XXXX ( paid via PayPal ). Upon arrival, I was assigned a room that had a live roach infestation in the refrigerator and freezer. I immediately notified the front desk and was moved to a second room, which also contained live roaches. Due to the unsafe and unsanitary conditions, I left the property within hours and did not stay overnight. 

I reported the issue to the company, PayPal and state health authorities. After an official inspection, the state of Florida found evidence of a roach infestation, and gave them 14 days to comply with health code requirements. ( State documentation was provided to PayPal. ) Despite providing this evidence to PayPal, including the states findings, my communications with the hotel, and proof that I did not stay overnight, my dispute was denied. PayPals decision was based solely on the merchant confirming the transaction, not the quality or condition of the service received. 

The hotel did not address or refute the health code violations, nor did they offer a resolution. The conditions made the room unusable and unsafe for me and my son, and I did not receive the service as described. I am requesting a refund for a service that was not provided as advertised and was, in fact, in violation of health and safety standards. 

PayPals Purchase Protection policy clearly states that buyers are covered when items or services are significantly not as described, and a hotel room with a verified XXXX infestation meets that definition. 

I am seeking the intervention of the CFPB to ensure a fair review and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 
This is a formal complaint against JPMCB CARD a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. JPMCB CARD XXXX, JPMCB CARD XXXX & JPMCB CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
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 Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard. 
FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty.

FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: CO

Complaint narrative:
MoneyLion , Inc. advertised a referral program promising a {$5.00} reward for every new user who opened a MoneyLion banking account using an existing customers referral code. I referred multiple people who completed all required steps and successfully opened accounts through my referral link.

Despite meeting the stated conditions, MoneyLion has refused to pay the referral bonuses. I contacted customer care and provided screenshots showing that the referrals were completed, but the company continues to deny the rewards.

MoneyLions app design intentionally conceals the referral names ( showing them as blocked or hidden ), yet customer support demands that customers verify those names and signup dates information that is not accessible anywhere in the app. This makes it impossible for users to meet MoneyLions verification requirements, effectively preventing payout of the advertised rewards.

I submitted a formal complaint with full documentation, as instructed by their support team, but MoneyLion ignored the submission entirely and did not respond further. The company provides only a single customer care email address, which sends automated responses only, without any human follow-up or departmental escalation. There is no way to reach a compliance or promotions team.

This behavior appears to be a deceptive and unfair business practice in violation of consumer protection laws. MoneyLion advertises a financial in
centive, collects user referrals, then uses an intentionally obstructive verification process to avoid payment.

MoneyLions contact system appears intentionally designed to avoid resolution there is no working complaint escalation path, and their only listed email generates automated replies. This violates reasonable expectations of access to customer support for a regulated financial institution. 

There are several more screenshots that would be irrelevant to send as I stated they do not show the referrals name or when they complete the referral bonus sign up - information that was requested by their customer care so that I could provide proof.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NH

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Victim of identity theft and fraud as a result of data breach. Fraudulent activity occurred on credit cards due to exposure of data breach. Uncertain of exact dates. I just know the balances are much higher than I used and accounts went to closed status which are negatively impacting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I reviewed my credit report and seen I had a collection for a Capital One credit card I didnt open from XXXX  XXXX XXXX XXXX a balance for {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NV

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting to formally request a reinvestigation of several late payment entries and inconsistent account information currently reported on my Equifax credit file. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( XXXX  XXXX ), which grants me the right to dispute any information I believe to be inaccurate or incomplete. I also remind Equifax of its obligations under FCRA XXXX XXXX ( b ) to ensure maximum possible accuracy in all credit reporting, and under FCRA XXXX XXXX ( a ) ( XXXX ) ( A ), data furnishers must not report any information they knowor have reasonable cause to believe is inaccurate. 
XXXX XXXX XXXX  Balance : {$37000.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX days XX/XX/XXXX XXXX XXXX XXXX * * * * Balance : {$60.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX  days XX/XX/XXXX and lates XX/XX/XXXX XXXX  days Late closed : XXXX XXXXXXXX XXXX * * * * Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX  days XX/XX/XXXX and XX/XX/XXXX lates XXXX days AFFIRM XXXX XXXX * * * * Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX days XX/XX/XXXX, XXXX  days XX/XX/XXXX, and XXXX days XX/XX/XXXX AFFIRM XXXX ABAO * * * * Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX  days XX/XX/XXXX and XXXX  days XX/XX/XXXX XXXX  XXXX XXXX * * * * Balance : {$0.00} AFFIRM XXXX XXXX * * * * Balance : {$0.00} lates XXXX days XX/XX/XXXX, XXXX days XX/XX/XXXX, and XXXX days XX/XX/XXXX AFFIRM XXXX XXXX * * * * Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX days XX/XX/XXXX and XXXX  days XX/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 non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE INFORMATION PROVIDED DOES NOT REFLECT MY ACTUAL PAYMENT BEHAVIOR.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: TX

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.

15 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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This account was never reported to me, and after contacting the merchant directly, they confirmed that no record exists under my name, Social Security number, or any other identifying information. I have also submitted a formal request to the merchant to have this account deleted, as it can not be verified or supported by any factual documentation. Therefore, the information in question must be removed from my credit report 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 explanation
Consumer complaint received 2025-10-22 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: SC

Complaint narrative:
Both XXXX XXXX XXXX and the Credit Bureaus XXXX  and Experian are engaged in a pattern of willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), causing direct and ongoing financial harm. The account listed as XXXX XXXX XXXX  acct # XXXX is inaccurate and unverifiable. My direct disputes have been met with a sham " verification '' process that ignores the law. The violations are systematic and clear. What are the specific legal violations? The following statutes have been violated, creating an indefensible position for both companies : VIOLATION 1 : 15 U.S.C. 1681e ( b ) - The Credit Bureaus Failure to Maintain Reasonable Procedures. The Credit Bureaus has utterly failed its foundational duty under the FCRA. The reporting of this inaccurate account demonstrates a systemic failure in their procedures. Any reasonable procedure would have flagged this account as erroneous upon receipt or during my dispute. Their continued reporting of this item is prima facie evidence of their negligent and unreasonable operations. VIOLATION 2 : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) - XXXX XXXX XXXX XXXX to Provide Accurate Information. The furnisher, XXXX XXXX XXXX, has violated its duty to not furnish information it knows or has reasonable cause to believe is inaccurate. The details of this account are incorrect wrong high balance, wrong date of delinquency, wrong payment history. By providing this flawed data to the bureaus, XXXX XXXX XXXX poisoned the entire reporting ecosystem and is directly liable for the resulting inaccuracies. VIOLATION 3 : 15 U.S.C. 1681i ( a ) - THE Credit Bureaus Failure to Conduct a Proper Reinvestigation. Upon receiving my formal, written dispute, the Credit Bureaus were legally obligated to conduct a reasonable reinvestigation. Instead, they relied on their flawed, automated ACDV system, which merely asks the furnisherthe source of the inaccuracyto " verify '' the information it already provided. This is a circular, self-serving, and legally insufficient process that does not constitute a " reinvestigation '' as defined by the FCRA and interpreted by federal courts. It is a willful abdication of their statutory duty. VIOLATION 4 : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) - The Credit Bureaus Failure to Provide Investigation Description. This is a smoking gun that proves their bad faith. Following their so-called " reinvestigation, '' I explicitly requested a description of the procedure used to investigate my dispute, as is my absolute right under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). The Credit Bureaus has completely failed to comply. This is not a minor oversight ; it is a deliberate concealment of their non-compliant, automated processes. Their refusal to provide this legally mandated disclosure is, in itself, a clear violation of the FCRA. I have attached a screenshot of the errors on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
Company : Western Union XXXX XXXX XXXX XXXX XXXX 
Date of transaction : XX/XX/year> Amount : {$2600.00} Service type : XXXX XXXX / Money Transfer Wire Reference or case number : XXXX and XXXX On XX/XX/year> I went to the Western Union XXXX inside XXXX XXXX ( Illinois ) to make my XXXX Bank XXXX payment. The employee told me that XXXX XXXX was the correct and only method to send the payment and that if any problem occurred Western Union could issue a refund. I paid {$2600.00} in full and received a receipt. 
Later that day I called XXXX Bank to confirm receipt. They said no payment had been received. I immediately contacted Western Union, opened a ticket for a refund, and was told the issue would be resolved within XXXX hours. Despite repeated follow-ups, Western Union closed my case without notifying me. After I called again, they reopened it and then claimed the funds were sent via a wire transfer. However, XXXX Banks wire department confirmed they never received the money and can not reverse a transfer they never got. Western Union continues to insist there is nothing they can do. 
Because of XXXX XXXX failure to deliver or refund the funds : My vehicle has remained repossessed for non-payment. 
I have lost wages because I can not travel to work. 
I am incurring repossession and storage fees and risk the sale of my car. 
I have suffered emotional distress and financial hardship. 
Western Union has not provided any written explanation, proof of delivery, or refund, despite multiple requests and an open ticket. The companys actions constitute negligence and misrepresentation, violating the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and the Illinois Consumer Fraud and Deceptive Business Practices Act ( XXXX ILCS XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
My name is XXXX XXXX complaint is not made in error neither is it being made by a third party. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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 am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint against TransUnion for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the 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 were fraudulent. Despite receiving this information, TransUnion has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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