vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-09 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: NC

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the fraudulent accounts currently attached to my credit profile. These accounts were not authorized, not opened by me, and have no connection to my financial history. Their presence reflects false information that must be corrected.

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 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OK

Complaint narrative:
On Friday, XX/XX/year>, I received an email from " Chime Bank '' stating there was fraudulent activity on my account, and that an agent would be calling me shortly to address it. The " agent '' called and said that some outfit that I had never heard of out of XXXX, FL tried to withdraw $ XXXX dollars from my Chime account. He then suggested that I " close '' that account and start a new one, and transfer all of my available funding to it. At the time, it all seemed legit, so I complied. The agent then directed me through the process of " transferring '' {$500.00} to my " new '' account using a service offered by Chime called " Pay Anyone ''. I had never heard of this service prior to the phone call. I did wonder why the balance wouldn't automatically transfer, but I never questioned it because I never had went through anything like this before. I later figured out that this was all bogus, that Chime would never do things this way, and that this was a common scam involving Chime. I tried calling them later that evening for a resolution, and disputed the charges, and the next day they contacted me via email stating that my dispute was denied because there was no error on the part of Chime. I called them again soon afterward, and disputed this again, but this time as a fraud investigation, only to be contacted again via email with the same story and outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Linebarger Goggan Blair & Sampson LLP
State: OK

Complaint narrative:
I had a parking violation from when I visited Texas about two or more years ago and I reached out to the company directly after I received this letter and could not get a hold of any actual human being and so I did research online and found the owner of the parking lot from which the toll originated from and paid them directly. It was {$50.00} and I paid them about two years ago. I have since tried reaching out to this company to let them know its been paid but they insist on sending me letters and multiple ones at that urging me to pay this past due parking violation. I believe this company to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally disputing the fraudulent accounts that have been reported under my credit profile. I did not authorize, open, or consent to these accounts, and their inclusion represents a serious violation of accurate credit reporting. These entries are wholly false and cause substantial harm to both my financial standing and personal security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
I am disputing the late payment that has been wrongly recorded on my credit file. My records show that payments were made on time, and this entry is a clear error. Its presence is misleading and unfairly detrimental to my credit standing.

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 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Complaint Against Portfolio Recovery Associates for Violating Preferred Communication Method To the Consumer Financial Protection Bureau, I am filing a complaint against Portfolio Recovery Associates , LLC, for failing to honor my preferred method of communication, in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Details of the Issue : Company : Portfolio Recovery Associates , LLC Address : XXXX XXXX XXXX, XXXX, VA XXXX On XX/XX/scrub> 2025, I explicitly requested, in 2 emails, that all communications regarding my account be conducted via email or mail. 
Despite this request, Portfolio Recovery Associates has repeatedly responded with messages instructing me to call them. This violates my right to specify communication methods under the FDCPA. 
Steps Taken : On XX/XX/year>2025, I sent a written request to Portfolio Recovery Associates via email/mail to confirm my preference for email or mail communication, but they have not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have collection accounts on my credit report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a report containing only accurate information. I request that these accounts be reviewed, and if they can not be verified as correct, they be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-09 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: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> I was issued XXXX checks from my XXXX XXXX XXXX XXXX XXXX XXXX check was in the amount of {$10000.00} and other in the amount of {$500.00} a couple of days later I made a mistake and did not properly endorsed the checks before I deposited them into My Chase Bank account via Chase ATM after some days I saw the checks cleared but Chase had frozen my account... I then went into a Chase branch explained the mistake I had made by not properly endorsing the checks the manager told me this should be a easy fix but after some time on the phone he told it was nothing he could do the matter was in the hands of Chase fraud department I explained no fraud had taken place they could contact XXXX XXXX XXXX and The Adjustment Company who I Hired that was also listed on check to verify that no fraud had taken place i just made a mistake not knowing I had to get the checks endorsed by both companies listed on checks ... Months and now years later I've contacted XXXX numerous times via XXXX My Mortgage Company who name was also listed on the checks and XXXX XXXX XXXX with My Adjuster Company to explain the situation with no resolution... This matter has been incredibly frustrating for me and my family I've been made out to seem like a fraudster we had to come out of pocket to fix our bathroom roof which that's exactly what the money was for and now the Adjustment Company wants to take me to court cause I've been unable to pay them cause Chase has been holding the funds for XXXX years Please help me resolve this matter this has been going on for far too long thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: IA

Complaint narrative:
I sent a certified letter to Equifax on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXX PM in XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX - {$5400.00} ( ACCOUNT # XXXX ) Equifax failed XXXX respond. I sent another letter on XX/XX/year> which they failed to respond once again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
I am filing this complaint with the CFPB to report serious inaccuracies on my credit report, including misreported accounts and an incorrect address, which have no association with me. Under the FCRA, all reporting agencies and furnishers are required to ensure information is accurate, complete, and verifiable. The reporting of these false items has harmed my credit score, affected my ability to obtain loans, and caused undue stress. I request the CFPB to intervene and enforce full compliance, reinvestigation, and correction of all disputed items. 

XXXX XXXX  Account # XXXXXXXX XXXX High Balance {$21000.00} Opened XX/XX/XXXX Late Payment * * This account is being reported with late payment history that can not be verified as accurate. I have disputed this twice, and no documentation from XXXX has been provided proving the accuracy of the alleged delinquencies. FCRA 611 requires that if a furnisher can not provide proper verification, the information must be deleted. Continuing to report unverified late payments damages my creditworthiness and creates a misleading portrayal of my financial history. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. If XXXX can not certify the accuracy with proper records, this accounts negative history must be deleted immediately. 

XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me. Hard inquiries require consumer consent, and any inquiry reported without such authorization violates the Fair Credit Reporting Act. Under FCRA 604, a permissible purpose must exist before a credit bureau can place an inquiry on a report. No permissible purpose was given here, and therefore this inquiry must be removed. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is fraudulent and unauthorized. I never applied for credit with XXXX XXXX, nor did I provide written or verbal consent for this access. Reporting unauthorized inquiries is a violation of FCRA 604 and 615, as it exposes me to potential identity misuse. You are required to delete this inquiry immediately. 

I demand that the CFPB take immediate action to ensure full compliance with the FCRA by all reporting agencies and creditors, including the deletion or correction of unverifiable items. The continued presence of these inaccuracies has caused financial loss, credit denial, and emotional distress. I request written confirmation once all corrections have been made.

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
I never opened a credit card with XXXX. They have now sold it to another company who states I owe over {$2000.00} and I have no knowledge of this account. My ex opened a ton of online credit cards and loans in my name several years ago and I am still fighting to get these cleared. Please remove this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX5 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-09 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had filed a complaint about Wells Fargo credit card 0 % financing XXXX  assistance offer for 2 month in addition to my 12 month new credit card 0 % financing offer. I was advised by representative last fall after the hurricane that my financing offer will be added to 14 month. XXXX from the executive office is asking me to extend the researching time to XX/XX/XXXX, but the 12 month offer ends on XXXX of XXXX instead of XXXX the XXXX. After repeated calls ( on XX/XX/XXXX and XX/XX/XXXX ) I got connected to her and she confirmed that the XXXX  program had to be manually added to my statement and she is doing her best to resolve it by XXXX. Also I mentioned a dismissed claim she said she had to address it as well, but she gave me invalid claims department number. I had a claim dismissed by WF with XXXX XXXX XXXX XXXX she gave me invalid claims department number. I had located the billing reference guide according to which XXXX should've notified me before charging my card monthly. XXXX had a 3way call with my insurance company XXXX and me confirming that they will bill my insurance company after I give them my WF credit card downpayment of {$25.00} initially. I was able to stop recurring charges but not to reverse the {$25.00} drawn from my account twice. WF dismissed my complaint when I realized the extra charges taken place, they dismissed the claim. as I located XXXX billing reference documents WF stated it was passed 180 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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I was told by Citi that my XXXX XXXX was being closed because I didn't renew my XXXX membership. I'm sure that it's in the fine print of the application, and I get that, but it shouldn't be legal. Citi approved me based on my credit at the time the account was opened. Now, even though I renewed my XXXX membership, they needed to have me reapply and pull credit. Not to mention, they'll probably decline me now because I've taken on some additional debt since then. So now not only will I take a hit for a repull of credit, but I'll also take a hit for a closed consumer credit account. All so they can coerce me to continue to be a XXXX member. Again, this should be completely illegal. I get needing to be a XXXX member at the time of initially opening the credit line. Not forever!! Would love to have someone look into this business practice. 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 2025-09-09 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: CA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/year>, XXXX  charged {$20.00} for a XXXX order using a closed bank account. I was not able to change the payment method within XXXX. The next day, I updated the XXXX payment method to XXXX, and XXXX later refunded the {$20.00}, which was routed to my XXXX  balance on XX/XX/XXXX. On XX/XX/XXXX, XXXX  removed the same {$20.00} from my balance through two account recovery debits ( {$12.00} and {$8.00} ), even though no valid debt existed. I filed a dispute and provided proof that XXXX had been paid by other means ( via credit card ). On XX/XX/XXXX, I received conflicting dispute results : an email stating the case was decided in my favor and an in-app message saying it was denied. A XXXX  representative told me I would receive a provisional credit for {$20.00} but advised that I could not withdraw or use it, and no credit was ever issued. Because XXXX  failed to resolve the matter, I disputed the recovery transaction with my bank, after which XXXX  froze and suspended my account and issued a debt notice. I then submitted a formal dispute to the XXXX  Dispute Department. On XX/XX/XXXX, XXXX  began sending additional notices claiming I now owed {$41.00}, double the original transaction, despite the fact that XXXX had already refunded the order and I provided proof of alternate payment.

Company response to consumer: Closed with non-monetary relief