vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
This is a complaint against PayPal and a major issue that many others have faced according to my research into the matter. I've had my PayPal account for years. Always used it for the same things such as small purchases online, sending or receiving money between family, and small crypto investments. 

I've done nothing wrong or against their XXXX. Just today XX/XX/year> I logged in my PayPal account and seen they decided to permantly restrict my account with absolutely no reasoning why. I called their help number they can't see any reason as to why or give me a reason. The XXXX XXXXXXXX and wrong part of this thing is they just can decide to keep my money also for 180 days. I'm out of work right now. I have XXXX dogs to care for. I'm struggling. The only money I had to my name ( {$90.00} ) was in that account. And they can just decide to keep it and shut my account down with no explanation as to why? XXXX XXXX I was counting on stretching that little bit of money out as long as I could now im XXXX XXXX This isn't right. 

I'm not a ( seller ), I've done none XXXX charge backs, I have nothing wrong with my account. And the fact support can't even find out any reasoning for XXXX business days. THIS IS WRONG. Thanks alot paypal foXXXX XXXX XXXX me. AVOID PAYPAL

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: 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 an 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 2025-08-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding Experians unlawful reinsertion of a fraudulent XXXX XXXX account onto my personal credit file.

I was a victim of identity theft and, pursuant to my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I requested that Experian block and remove the XXXX XXXX account from my report. Experian complied and deleted the account in XX/XX/year>. 

However, in XX/XX/year>, Experian reinserted the account. Experians notice claimed the account had been verified based on unspecified additional information. This reinsertion violates multiple provisions of the Fair Credit Reporting Act : FCRA 605B ( c ) ( 1 ) ( C ) strictly limits reinsertion of blocked information. Experian has not provided any legitimate documentation showing that the block was based on a material misrepresentation, as required by law. 

FCRA 611 ( a ) ( 5 ) ( B ) prohibits reinsertion of previously deleted information unless the furnisher provides a certification of accuracy. Experian has refused to provide me with a copy of any such certification, despite my request.

FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) requires that consumers be notified within 5 business days of any reinsertion. Experian failed to provide contemporaneous notice of the reinsertion. 

Despite repeated requests, Experian refuses to provide the documentation or certification it relied upon, leaving me with no ability to validate or challenge its reinsertion. Continuing to publish this fraudulent tradeline without proper verification constitutes ongoing harm to my creditworthiness and is a clear violation of my rights under the FCRA.

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 2025-08-21 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: CA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-08-21 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:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. TRANSUNION XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act, has violated my rights.

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.

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 2025-08-21 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: FL

Complaint narrative:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. TRANSUNION XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act, has violated my rights.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chrysler Capital regarding charges applied to my account following the return of my leased vehicle.

After returning the vehicle, I received a final bill that included charges for excessive wear and tear. However, the bill did not include any detailed inspection report or documentation to justify these charges. I contacted Chrysler Capital for clarification and was informed that the charges were due to two separate paint issuesone on the door and another on the fender.

I would like to dispute the charge related to the fender, as I have never had it painted or altered in any way. I requested a copy of the detailed inspection report to verify the claim, but despite multiple follow-ups, I have not received any response or documentation from Chrysler Capital . 

This lack of transparency and failure to provide supporting evidence for the charges is unacceptable and has caused unnecessary stress and financial concern. I respectfully request the CFPB to investigate this matter and assist in resolving the dispute. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: VA

Complaint narrative:
I have brought this to the CFPB attention numerous of times and there were no solutions. Ive asked to unlock my information for some reason, All my information was wiped out. I requested XXXX the first letter for pain and suffering loss of business jobs and hinderance to take care of my family. No solution. Ive requested {$1.00} XXXX the second letter you guys claim or Experian claims that I never had information or a membership to show proof and this is why.

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 2025-08-21 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-21 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint to bring to your attention unfair overdraft fees charged by my bank.

On reviewing my checking account ( last XXXX digits : XXXX ), I noticed that I was charged three separate overdraft fees of {$36.00} each within a very short time frame XXXX XXXX XXXX XXXX XXXX This resulted in a total of {$100.00} in overdraft charges.

Attached is a screenshot of my account statement for reference, which clearly shows the following : XX/XX/year> : Two overdraft fees of {$36.00} each XX/XX/year> : One overdraft fee of {$36.00} Along with other small transactions ( XXXX transfers and a credit card payment ) that triggered these charges. 

I believe this practice is excessive and unfair. Instead of consolidating or limiting the overdraft fees, the bank has charged multiple penalties for small transactions that occurred around the same time. This not only creates unnecessary financial hardship but also seems inconsistent with fair banking practices. 

I respectfully request the CFPB to investigate this matter and direct the bank to : Refund the overdraft fees charged on my account. 

Review their overdraft fee practices to ensure they are not predatory. 

Thank you for your attention to this matter.

Sincerly XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-21 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account 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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I deposited a credit card transfer a check to my account on XX/XX/XXXX for {$2300.00} check number XXXX. I deposited this to Navy Federal and they approved the check and then said the check ones are real and then they said they would hold it for five days and in five days the check already cleared our XXXX account. I went to the branch and they had restricted my account and will not give me my funds even though everything has cleared. I have proof and sent it through email to them. I told them to release the funds or send it back to my XXXX XXXX credit card and I still havent gotten anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
On XX/XX/year>, I emailed Bridgecrest requesting an update regarding the sale of my vehicle and informed them that I was in the process of moving and unsure of my final address at that time. 

On XX/XX/year>, I sent another email requesting documentation regarding my account, including proof of debt, proof of ownership, and proof of sale. I received no response to either email. 

Also on XX/XX/year>, I called Bridgecrest and was told by a representative that they would send me a letter with the requested documentation. I followed up with another call on XX/XX/year>, which I recorded ( after informing them the call was being recorded ). In that recording, their representatives confirmed that they had submitted the request internally and that the letter would be sent. 

As of today, XX/XX/year>, I still have not received any letter or documentation. I also informed Bridgecrest of my change of address, yet no mail has arrived. 

Bridgecrest has therefore failed to provide the required debt validation documents after multiple written and verbal requests. This failure violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). They are continuing to withhold documentation that they are legally obligated to provide, while not responding to reasonable consumer communications. 

I am requesting regulatory intervention to ensure Bridgecrest provides the validation documents ( proof of debt, ownership, and sale ) and ceases all collection activity until such documentation is produced.

Company response to consumer: Closed with explanation