vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Experian Information Solutions 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 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/year>, my monthly Social Security check was directly deposited into my PayPal account. That day, I initiated a PayPal " Instant Transfer '' of my {$3400.00} Social Security check to my XXXX XXXXXXXX checking account. 

Instead of transferring the funds to my checking " in minutes '' as promised, they have yet to complete the transfer as of now, eighteen days later. I have spent more than XXXX hours on the phone trying to resolve the matter, and PayPal Customer Service XXXX have lied, stalled,, and hung up on me more than a dozen times. PayPal claims that an " internal software update '' is delaying the the bank transfer of my funds, with no resolution date offered. 

I am a senior citizen, and I depend on those Social Security funds for food, shelter, and desparately needed medications, as I just had XXXX XXXX!

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it XXXX concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions XXXX have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. My social security card has been compromised. Ive never gave anyone permission or authorization to open this account in my name

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: Paypal Holdings, Inc
State: OH

Complaint narrative:
Fraudulent charges were made to my PayPal Credit Card. 

Charges all occurred on XX/XX/year> from a XXXX -Amounts of the Charges - {$130.00} Invoice ID : XXXX - {$250.00} XXXX XXXX XXXX XXXX - {$290.00} XXXX XXXX XXXX XXXXXXXX - {$280.00} XXXX XXXX XXXX XXXXXXXX ( This one was attempted paid with card ending in XXXX but was caught by XXXX Bank and successfully disputed )- {$110.00} Invoice ID : XXXX - {$77.00} Invoice ID : XXXX An additional charge on XX/XX/year> for {$480.00} was attempted on a Chase XXXX also linked to PayPal but was caught by XXXX XXXX XXXX We received a text and acknowledged it was a fraudulent charge and this was stopped. 

On XX/XX/year> we attempted to contact PayPal numerous times but they were closed for the holiday weekend. Likely scammers knew of this gap in PayPal fraud service protection. In spite of never using this company PayPal allowed for all of these fraudulent transactions to take place in succession without ever triggering their fraud services ( if they even exist ). 

We have documented correspondence with XXXX. We have never had an account with that company. They responded via email correspondence : " We regret to hear about your situation, and will review the account you have reported in detail. Based on the information you provided, it appears that you were the victim of a bad actor. While this individual has been dealt with on the platform, at this point, we strongly recommend contacting your banking institution directly to initiate a dispute for the unauthorized charges. Your bank has the ability to investigate payment activity in detail and, if needed, they will work with us to resolve the matter. We will fully collaborate with them throughout this process. 

Please know we take these reports very seriously and have completed all available reviews on our end. If your bank reaches out to us, well provide them with the necessary support and documentation to ensure your case is handled appropriately. '' Additionally WhatNot provided PayPal with tracking numbers for the orders. All orders were sent to XXXX, FL. We live in XXXX, OH. In spite of all of this fraudulent evidence PayPal denied our claim.

Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: FL

Complaint narrative:
I received this card in XXXX. The payments didnt start until XXXX. When they did it started out very high, and that was ok because the limit was maxed out due to me using it for my business. However, here lately I have been paying the card down every month and only being able to pay the minimum but I havent used the card since before my last XXXX billing statements sometime in XXXX. When I got my XXXX bill my statement, the statement balance amount was {$4900.00} and the minimum payment due was {$150.00}. I paid it on time before the due date as I always do. Now that I just got my XXXX bill statement, the statement balance has dropped and is {$4900.00} but my minimum payment due has INCREASED to {$170.00}!!! This is ILLEGAL, because the CARD Act requires a XXXX advance notice from the credit card company before they can increase your minimum payment. Especially if your balance is decreasing and you havent made a rent purchase in that cycle. I am certified XXXX through the Social Security Administration, and taking advantage of the XXXX on a fixed income should not be allowed! I have reached out to this company and can get nobody on the line who can explain this to me. When I do get someone, they always say I dont know why and that there is nobody else to speak with. They also tell me there is no way to change this and no manager in the department. They say the only way I could get to another department is to let the account go delinquent. However, my credit is everything to me, since I had a fresh start through bankruptcy back in XXXX, I have never been late on not XXXX single payment. I will be reporting them to the FTC as well!

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In the Staff Commentary on the Fair Debt Collection Practices Act, 53 Fed. Reg. 50097 ( 1988 ) ( " Staff Commentary '' ), and staff opinion letters, Commission staff have consistently read Section 809 ( b ) to permit a debt collector to continue to make demands for payment or take legal action within the thirty-day period. See 53 Fed. Reg. at 50,109, comment 809 ( b ) -1 ( " A debt collector need not cease normal collection activities within the consumer 's 30-day period to give notice of a dispute until he receives a notice from the consumer. " ) ; letter from XXXX XXXX XXXX, FDCPA Program Advisor, to SXXXX XXXX XXXX ( XX/XX/XXXX ) : We interpret the " thirty-day period '' as a period within which consumers must dispute their debts in writing in order to avail themselves of their Section 809 ( b ) rights, but not as a " grace '' period.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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: EQUIFAX, INC.
State: OH

Complaint narrative:
Child support does not have record of my consent to report to credit bureaus.

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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-09-09 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My JetBlue credit card charged me improper finance fees and an annual fee, then closed my account without my authorization. The card also would not allow me to dispute the charges directly through my account. 

On my XX/XX/2025 statement, I was charged {$240.00} in interest even though the balance would have been paid in full by the due date if JetBlue had issued their promised refunds for two canceled flights on time. When I called to dispute the charge, I was told the fee can not be refunded until JetBlue issues the credit, and I was unable to submit a dispute directly through the cards system. JetBlue is now claiming that the flight wasn't canceled, email attached from the canceled flight and then their claim that it wasn't actually canceled, and refusing to provide their promised credits, but that's a separate fight. 

During the call I expressed frustration and said I might cancel the card, but I did not authorize immediate closure. The next day I received notice that the card had already been canceled. My most recent statement now shows an additional {$320.00} in finance charges plus a {$99.00} annual fee on the canceled account. I should not have incurred interest charges in the following month since the balance was fully paid.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: AZ

Complaint narrative:
On XX/XX/year>, I mistakenly transferred {$1500.00} through Wise to the wrong XXXX account ( transfer # XXXX ). I promptly requested a recall. 

Wise informed me multiple times that XXXX never responded to its recall requests. On XX/XX/year>, Wise closed my case on that basis. However, in its official CFPB submission dated XX/XX/year>, XXXX confirmed that : It received Wises recall request on XX/XX/year>, It responded to Wise on XX/XX/XXXX and XX/XX/year>, and It is contacting the recipient to recover the funds. 

Despite this, Wises final complaint response dated XX/XX/year> still claims that no response was received from XXXX and that recovery depends solely on XXXX cooperation. This leaves me with XXXX institutions providing contradictory information and no resolution.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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: NY

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have repeatedly asked the company to validate the accounts they are attempting to collect. This is my fourth request for validation, and they have still failed to provide the proper documentation required under the law. 

Instead of supplying complete verification, the company has either sent incomplete information or avoided providing the necessary proof that the debt is valid and legally enforceable. Because of this, the accounts remain unverified, yet the company continues to pursue collection and/or report them to the credit bureaus. 

Their repeated failure to validate after multiple requests shows a pattern of noncompliance and has caused me ongoing harm, including continued collection attempts and inaccurate reporting. 

I am requesting that the CFPB require the company to stop all collection activity until proper validation is provided, supply full and verifiable documentation of the alleged debt, and correct any inaccurate information that has been reported.

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