vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: MN

Complaint narrative:
On XX/XX/XXXX, we had XXXX fraudulent withdrawals from our XXXX XXXX XXXX bank account. Someone who hacked our PayPal account made the withdrawals, each for {$1900.00}. This PayPal account had been inactive for a couple of years. 
We immediately logged into PayPal to check for other transactions. Like most people would do, we went to Activity All Transactions for XXXX, and the only transactions visible were the XXXX from XX/XX/XXXX for {$1900.00} each. We blocked those payments and changed all our PayPal login information and linked accounts. 
Then last week my accountant called asking about earlier PayPal charges : XXXX charges of {$980.00} on XX/XX/XXXX and another XXXX charges of {$980.00} on XX/XX/XXXX a total of {$3900.00} in fraudulent transactions that we never saw. 
I was shocked because I had checked All Transactions on XX/XX/XXXX and nothing from XXXX showed up. When I called PayPal support, they finally admitted that simply selecting All Transactions is not enough. To actually see every transaction, you have to click Filters, open the dropdown, and manually select All again. Only then did the XXXX fraud appear. 
This is a blatant design flaw that is costing people thousands of real dollars there are hundreds of similar complaints on XXXX and other forums. PayPal knows about it but refuses to fix the interface or make All Transactions truly show all transactions by default. 
Because these earlier fraudulent charges were hidden from me ( even when I specifically asked to see all transactions ), PayPal is now refusing to refund the {$3900.00}, claiming the XXXX reporting window has passed a window I could never have met because their own system deliberately hid the charges from me. 
This feels like a class-action lawsuit waiting to happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have disputed this multiple times via XXXX XXXX, direct agency such as XXXX XXXX and XXXX! I have submitted for it to investigate what name and social was used. Nothing has been sent to me. My social is a work social as Im applying for citizenship. This has affected me in many ways! I have never applied for credit using your credit card. I have asked for proof I have submitted identity theft due to data breaches which I have won multiple different data breaches via attorney! It proven data breaches have severely affected not just me but many others. I need solid proof of accounts with original names used to apply. Im currently in a lawsuit w att due to a huge data breach with my not just my phone but person information. This debt is not mine! I have fought years to dispute this! I can not move forward in life it keeps affecting me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
This account does not belong to me. I have no affiliation with it and request that it be investigated and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am the victim of identity theft. A fraudulent Bank of America credit card account ending in XXXX was opened and used without my authorization. Despite repeated reports beginning in XX/XX/XXXX, Bank of America failed to close the account, continued allowing unauthorized transactions, and mailed statements to an unauthorized and incorrect address : XXXX XXXX XXXX, XXXX, MD XXXX, from XX/XX/XXXX through XX/XX/XXXX. 
IDENTITY THEFT EVENTS XX/XX/XXXX Burglary occurred ; not officially reported ; demonstrates early unauthorized access to my home and information. 
XX/XX/XXXX XXXX reported to the XXXX XXXX XXXX Department. 
XX/XX/XXXX XXXX reported burglary tied to identity theft. 
Perpetrator XXXX XXXX XXXX was arrested and convicted of burglary and theft-related offenses. 
I temporarily relocated to XXXX XXXX XXXX, a legitimate address associated with me. 
UNAUTHORIZED ADDRESS USED BY BANK OF AMERICA Bank of America mailed billing statements for the fraudulent account to : XXXX XXXX XXXX, XXXX, MD XXXX. 
I have never lived at, worked at, or authorized the use of this address. This misdirection prevented me from learning about the fraudulent account in a timely manner. 
CONSUMER ATTEMPTS TO RESOLVE ISSUE I repeatedly notified Bank of America of identity theft through online chats and recorded telephone calls, including : XX/XX/XXXX Identity theft reported ; account closure requested. 
XX/XX/XXXX Identity theft reported via online chat and supervisor. 
XX/XX/XXXX Identity theft confirmed via online chat. 
XX/XX/XXXX Recorded call ; account still active. 
XX/XX/XXXX Recorded call ; no resolution. 
XX/XX/XXXX Recorded call ; account still open. 
XX/XX/XXXX Recorded call ; misdirected XXXX address discovered. 
XX/XX/XXXX Recorded call ; fraud unresolved. 
XXXX XXXX Bank XXXX XXXX conduct appears to violate : XXXX : failure to investigate and correct unauthorized charges. 
FCRA 623 : furnishing inaccurate information.

FCRA 605B : failing to block identity theft after notification.

FCRA 611 : inadequate reinvestigation of disputes. 
Regulation Z : improper handling of unauthorized transactions.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Dear LVNV Funding LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A few months ago, I opened a link that was sent to my email, not realizing it was a fraudulent message. As a result, unauthorized individuals gained access to all of my personal information, including data stored on my cell phone. Since then, new accounts have appeared on my credit report that I did not request or authorize. I contacted Experian to report the identity theft and ask for help, but I have not received any clear or effective solutions. The wait times on the phone are extremely long on several occasions, I have waited over an hour, only to be given no real assistance or resolution. The lack of response and support has only added to my frustration and distress.

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 2025-12-09 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:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1. The late payment data being furnished does not meet Metro 2 accuracy thresholds and lacks verification per FCRA 623 ( a ) ( 1 ) ( B ). If XXXX can not substantiate these delinquencies with full payment records the tradeline must be corrected or removed. 
XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$23000.00} 2. This was paid before it went to the charged off. Please delete this immediately. 
XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$74000.00} 3. This was paid before it went to the charged off. Please delete this immediately. 
XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$40000.00} 4. This was paid before it went to the charged off. Please delete this immediately. 
XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00} 5. The late payment data being furnished does not meet Metro 2 accuracy thresholds and lacks verification per FCRA XXXX ( a ) ( XXXX ) ( B ). If XXXX can not substantiate these delinquencies with full payment records the tradeline must be corrected or removed. 
XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX. This was paid before it went to the charged off. Please delete this immediately. 
XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$26000.00} 7. This was paid before it went to the charged off. Please delete this immediately. 
XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00} 8. I was never been late on this account I always paid on time. 
XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00} 9. This was paid before it went to the charged off. Please delete this immediately. 
XXXX XXXX XXXX XXXXXXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$600.00} 10. This was paid before it went to the charged off. Please delete this immediately. 
XXXXXXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$44000.00} 11. This account has been paid before it went to the collection Please delete this immediately. 
XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$56000.00} 12. This was paid before it went to the charged off. Please delete this immediately. 
XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$29000.00} In accordance with the Fair Credit Reporting Act, I hereby demand an investigation into these disputed items and their removal from my credit report. It is my understanding that you will verify these items with the respective creditor. Any information that the creditor fails to verify should be promptly deleted. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

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 2025-12-09 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:
I am writing to dispute the following items on my credit report. I request a full investigation into the accuracy and completeness of the information reported. If any of the items can not be verified, I request that they be removed from my credit report in accordance with the Fair Credit Reporting Act.

Inquiries : XXXX, XX/XX/year> Positive Accounts : None listed. 

Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: SC

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-09 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: SC

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: CT

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: IL

Complaint narrative:
Company Reporting the Debt ( Collector ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Website : XXXX XXXX XXXX  Type of Complaint : Credit reporting / Debt validation Complaint : I am disputing a debt on my Equifax credit report for alleged XXXX XXXX charges from XXXX XXXX. I never received a signed agreement or an itemized breakdown of these charges. I am requesting full documentation proving that I agreed to repay these costs and that the reported amount is accurate.

Reporting this debt without proper validation violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
on XX/XX/year> I made a payment of XXXXXX/XX/XXXX to my XX/XX/XXXX card which is administered by Synchrony bank. 
Reviewing my XXXX statement, I noticed a monthly repeating late fee of XX/XX/XXXXwith the description of " Late fee ''. 
After calling synchrony bank I was told that I was being charged a " Early fee '' due to paying my monthly bill before XX/XX/year>. 
After explaining that if XX/XX/XXXX fell on a friday and Synchrony Bank states that it may take XXXX day process for normal billing services banks provide. This would make it impossible to make a payment and not receive a latefee or if as I do, pay the bill on the XXXX, I receive a late fee which should be called an early fee. 

I believe this is jusy increasing their XXXXXX/XX/XXXX finance charges and should be illegal.

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 2025-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America extended the hold on a cashiers check issued from a domestic bank without providing me written notice of the extended hold, the reason for the extended hold, and the date when the funds will be available. The only written notice I have says the funds will be available XX/XX/year>. I tried to transfer some money on XX/XX/year> and I was not permitted to do so. I was not given a reason. I was told to call them. When I called them on XX/XX/year> they said the hold was extended indefinitely and refused to state the reason why. I told them they cant hold it indefinitely because thats illegal. They said it wasnt, they dont normally tell people about extended holds and can hold funds indefinitely. I asked who makes these decisions and what criteria do they use. I was told the Back Office people make the decision and the customer service representatives dont know why. I as the customer am not permitted to speak to the Back Office people. I told the customer service representative to tell the Back Office people they are violating the law. I want written notice of the extended hold, the reason for the extended hold, and a date when the funds will be available. Im not asking for anything more than the law dictates. Bank of America apparently thinks the law doesnt apply to them.

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 monetary relief