vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On Tuesday, XX/XX/year>2025, I deposited a check into my account and received documentation indicating that the funds would be available within the next 48 hours. However, I later received a notice that a hold had been placed on the check. Once the initial release date arrived, the hold was extended againwithout explanation.

Despite the standard time frame for check clearance typically being between 48 hours and up to 7 business days, the hold on my check continued to be extended multiple times without any written or verbal justification. I contacted both the branch and Bank of Americas customer service line seeking clarity, but I was not provided with a specific reasononly that the delay was coming from the back office and that these things take time. 

No formal notice was given to explain the repeated extensions, and no documentation was provided to justify withholding the funds beyond the original timeframe. As the check has already been verified and cleared through all relevant entities, I am requesting the immediate release of the held funds and a formal explanation of the extended hold practices applied to this deposit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXX  and XXXX  toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : 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 explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: UT

Complaint narrative:
I tried to get my name removed from a phone number as it is no longer my phone number so the new customer could set up Zelle on their end as they have transfers being held by Zelle that have been sent to them. Zelle told me I had to call the new customers bank-which it is not my bank, so legally they can not help me with another persons account. So basically Zelle gets to hold the money for 14 days before they will release it back to the sender, but they also won't allow me to remove my name from this phone number, so the receiver is incapable of getting money they have been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed 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 2025-07-18 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: NY

Complaint narrative:
Here is the extended version with full factual detailstill with * * no interpretation or legal framing * *, only verifiable actions, dates, and amounts : -- - XXXX  flagged multiple legitimate purchases as fraudulent and reversed them without warning or buyer verification. This caused a total financial loss of * * \ {$21000.00} * *. The buyers confirmed there was no fraud on their end. XXXX  support was contacted through their portal repeatedly. No specific explanation was given. Replies were generic and did not address the facts of the transactions or confirm any actual investigation. 

On * * XX/XX/year>2025 * *, PayPal sent a message confirming that my account was restored and all limitations were removed * * Ref ID : XXXXXXXX XXXX XXXX Less than 24 hours later, a new limitation was imposed * * Ref ID : XXXXXXXX XXXX XXXX 

As part of this new block, PayPal requested : Proof of delivery ( tracking numbers ) Shipping company names Dates and dollar amounts Full buyer information For the following transaction IDs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, they asked for invoices referencing merchandise associated with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these transaction IDs are associated with the PayPal account that is currently restricted. They appear unrelated. I have repeatedly asked for clarification and a review by a human agent. No proper explanation or action has been taken. 

As a result, access to incoming funds is still blocked. The PayPal account remains under limitation. No timeline has been provided for resolution. XXXX has not returned the reversed funds. 

I am actively operating a real business and am unable to access funds from verified buyers. All attempts to resolve this through the platforms official channels have failed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: TN

Complaint narrative:
I am submitting this complaint with absolute certainty and growing frustration. There are multiple errors on my credit report that I can no longer ignore. These inaccuracies have had a serious and ongoing negative impact on both my credit score and my ability to achieve financial stability and freedom.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
b'Some of the questions I asked were addressed but not all. This is what has happened. I opened an account with Care Credit XXXX XXXX  during XXXX XXXX  in the amount of XXXX. the promotion will end XXXX balance on the promotion $XXXX \nOn XXXX XXXX I requested an increase in my credit allowance in the amount of $XXXX Care Credit has rolled both accounts together my total balance as of today is $XXXX. With XXXX interested added. I have made regular monthly payments XXXX since the accounts opened I have paid a total of XXXX. but my balance is not decreasing in fact due to the interest i am being charge a month XXXX I have no available balance each month and my balance due, continues to rise.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
Subject : Unauthorized Hard Inquiries on Credit Reports in Violation of FCRA 604 & 609 Consumer Name : XXXX XXXX I am filing this complaint because TransUnion have reported several unauthorized hard inquiries on my credit file, which I did not initiate or authorize. Under the Fair Credit Reporting Act ( FCRA ) 604, consumer reporting agencies must ensure that only permissible purpose inquiries appear in my file, and under 609, I have the right to full disclosure of who requested my credit report and why. 

Details of Disputed Inquiries : TransUnion : XXXX ( XX/XX/XXXXXXXX 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 Respectfully request : Immediate deletion of the above-mentioned unauthorized inquiries since no accounts found linked to those companies A copy of the documentation used to verify permissible purpose under 604.

Full disclosure per 609 of the identity of each company that requested my report and their stated purpose. 

Thank you for your prompt attention. 

Respectfully. 
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 2025-07-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Credimatico LLC
State: TX

Complaint narrative:
On XXXX XXXX, 2025, I emailed Crediterium requesting that the auto withdrawal to be revoked immediately. Per federal law, the company was supposed to stop all attempts with trying to take money from my account. Federal law XXXX  whatever the reason why they kept withdrawing money out of my account. They confirmed that they received my email on XX/XX/scrub>, 2025 and provided a ticket number. In the month of XXXX & XXXX of 2025, they have debited and also attempted to take money from my account and I asked them to return my money but they didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX  XX/XX/scrub>/2025 XXXX XXXX XXXX XX/XX/scrub>/2025 XXXX XXXX/XXXX/2025

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$960.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX  Date : XXXX/XXXX/25

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
I received a text message from a company called XXXX claiming to be collecting a debt on behalf of Jefferson Capital. The message included a reference number and a phone number that, when called, led to Jefferson Capitals automated system. The alleged debt is for a XXXX account from 2016, which is now 8+ years old and past the legal statute of limitations and credit reporting period. I was never sent written notification or validation of the debt. It does not appear on any of my credit reports, and I believe this is a time-barred XXXX  debt that is no longer legally collectible. I am requesting an investigation to prevent further contact or any credit reporting attempts on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
I am writing to EQUIFAX to formally dispute the results of a previous investigation you conducted regarding inaccurate information on my credit report. I have reviewed the outcome, and I must strongly disagree with your findings, as the reported information remains incorrect and continues to negatively impact my credit profile. The investigation failed to resolve the inaccuracies, and I believe a more thorough and accurate reinvestigation is warranted under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ). I am requesting that you reopen the investigation into the disputed accounts and conduct a full and proper reinvestigation.

Please verify all reported details directly with the data furnisher using original source documentation, not automated or third-party verification systems. If the account ( s ) can not be properly verified, they must be removed immediately, as required by federal law. I expect a detailed response and the results of your reinvestigation within the timeframe mandated by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
Since I always pay on time, seeing a late payment is both confusing and upsetting. I request its immediate removal to keep my history accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: WI

Complaint narrative:
Please check this information concerning the equifax data breach below XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI, XXXX Phone : ( XXXX ) XXXX Date : XX/XX/scrub> 2025 Equifax XXXX  XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting under 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally dispute the inaccurate and derogatory items listed on my Equifax credit report. This dispute is being filed under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681i, which provides consumers the right to dispute incomplete or inaccurate information in their credit reports.

The following accounts are being disputed due to inaccurate, outdated, or unverifiable reporting : 1. * * DEPT OF EDUCATIONXXXXXXXX XXXX XXXX  - Multiple accounts listed with late payments and past due balances. These accounts have been previously disputed, and their continued reporting in this manner is inaccurate and unjustified. 
2. * * XXXX XXXXXXXX XXXX * * - Account listed with 18 late payments. I dispute the accuracy of these reported delinquencies. 
3. * * XXXX XXXX * * - Charged off account with {$450.00} written off. This item is being disputed as inaccurate and/or unverifiable. 
4. * * XXXX XXXX * * - Closed and charged off with {$180.00} written off. This account is also reported inaccurately. 
5. * * XXXX XXXX * * - Account charged off for {$400.00}. Disputing the accuracy and reporting status of this item. 
6. * * XXXXXXXX XXXX XXXXXXXX ( XXXX ) * * - Collection account for {$280.00}. Disputing on grounds of accuracy and verification. 

I am requesting a reinvestigation of these accounts and for Equifax to delete or correct all information that can not be verified as accurate within the required 30-day period, as outlined under FCRA guidelines . Please provide the method of verification, the name and address of the furnisher of information, and any supporting documents used to validate the accuracy of the data. 
Thank you for your attention to this matter. I expect resolution within 30 days as required by the FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$200.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief