vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Got 2 fake checks from someone and deposited thinking they are real, one is for {$400.00} and the other is for {$1500.00}. i got an email saying my account is being closed for fraud and i could not call the bank since it was past closing hours, i never sent money to anyone or received the fake check money either. I have a bank account with Wells Fargo

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 2025-11-18 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$4100.00} Account name XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$140000.00} Account name XXXX XXXX XXXX Account number XXXX Account type Auto Lease Date opened XX/XX/XXXX Balance {$32000.00} Account name XXXXXXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$130000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint because after carefully reviewing my credit report, I discovered that several accounts I have fully resolved and brought to good standing are still being reported with outdated and inaccurate late payment information, which does not reflect the true way I handled these obligations. Under the standards of fairness and accuracy outlined in the Fair Credit Reporting Act specifically FCRA XXXX emphasizing the need for honest reporting, XXXX granting me the right to dispute inaccurate information, and XXXX ( a ) ( XXXX ) and XXXX ( b ) requiring furnishers to correct, update, and properly investigate disputed items I am requesting assistance because TransUnion continues to report late payment history on accounts that were responsibly completed. My XX/XX/XXXXXXXX account ending in XXXX with a balance of {$980.00} was brought current and resolved, yet it is still described as having late payments that no longer match its real condition. My XXXX XXXX XXXX account ending in XXXX, which now has a {$0.00} balance and was fully satisfied and closed in good standing, is also still showing outdated late payment remarks that misrepresent the final and accurate status of the account. I am simply asking for my consumer file to reflect the truth that these accounts were completed, settled, and should now be shown accurately as Paid as Agreed because the lingering inaccurate late information paints a misleading picture of my credit behavior and undermines the corrective actions I successfully took. 
XXXX XXXX XXXX Balance : {$990.00}XX/XX/XXXXXXXX Balance : {$180.00} XX/XX/XXXX XXXX Balance : {$1900.00} XXXX XXXXXX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX : {$0.00} XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-11-18 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: UT

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXXXXXX XXXX XXXXXXXX XX/XX/year> -- {$700.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-18 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$4900.00} Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I had a breach with my identity. Someone stole my identity that took my account over the Navy Federal credit union. While I was in XXXX XXXX jail for XXXX  days on a misdemeanor when the judge found out, he let me go. There was a XXXX transfer. I put in a claim and XXXX different appeals. And it was all denied, I never got provisional credit. Till this day. I even gave them all the information they needed from the sheriff 's department FBI to congresswomen from the federal and state side. Trying to help me information about the Attorney General 's office that contacted me twice. I lost all my property. I lost my car, I lost my clothes. I lost my whole life. I am homeless and they still deny everything they deny that I am a human being. And disrespected me, I have XXXX XXXX, and I am in and out of the hospital and taking ubers everywhere, and even buying everything online, and they still do not care. The credit agency 's XXXX XXXXXXXX XXXX XXXXXXXX.I claimed and disputed a lot of things with them.Some came off XXXX XXXX XXXX XXXX XXXX XXXX XXXX some keep being verified.I really don't know what to do.I already froze all of them, and I froze XXXX XXXX and XXXX XXXX XXXX, I just need help, please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Company : PayPal Product : Payment Services Issue : Account Closed / Funds Withheld for XXXX Days Without Explanation What happened PayPal permanently closed my business account immediately after receiving my very first legitimate business payment of {$3000.00} for consulting services. The moment the payment was received, PayPal deducted their fees, limited the account, and requested documents. I submitted everything they asked for within minutes, but the account was closed almost instantly without any meaningful review. 

XXXX message stated the account was closed due to nonspecific risk concerns and claimed the decision is final and can not be appealed. I have not been told what specific activity, behavior, or transaction triggered this supposed risk. 

My transaction was lawful, business-related, and undisputed. There are no chargebacks, no disputes, and no buyer complaints. I have been fully transparent and compliant. 



Why I believe this is unfair XXXX. No explanation of what policy was violated. 
PayPal refuses to provide any detail. Their messages are generic and automated. 
XXXX. XXXX closure without real review. 
The account was closed within seconds of submitting documents, which suggests it was not evaluated by a XXXX  XXXX. 
XXXX. Funds are being held for XXXX  days without cause. 
PayPal is withholding {$2300.00} ( after fees ) for up to XXXX months even though there are no disputes, risks, or outstanding liabilities from the buyer. 
XXXX. This creates severe financial hardship. 
These funds are needed to operate my business, support my family, and care for an elderly parent. 
XXXX. No appeal path exists. 
PayPal refuses all requests for human review, stating the decision can not be appealed, leaving me unable to correct any possible errors or misunderstandings. 



Requested resolution I am requesting the CFPBs assistance to obtain : XXXX. A detailed, specific explanation of what PayPal believes violated its policies or created risk. 
XXXX. A manual human review of my documents and account activity. 
XXXX. Release of my funds significantly earlier than 180 days, as there is no dispute or liability that justifies the hold. 
XXXX. Reinstatement of my account, if appropriate, after a proper review. 

I have acted in good faith, followed XXXX instructions, and provided all documentation. I simply need transparency, fairness, and access to my earned funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I disputed a XXXX  XXXX bankruptcy on my Equifax credit report ( Case # XXXX, filed XX/XX/XXXX, XXXX XX/XX/XXXX ). 

Equifax investigated my dispute and provided results, but the investigation did not fix the error. Instead, they updated the Date Reported and Date Verified to XX/XX/XXXX, making the bankruptcy appear recent. 

This is materially misleading, violates FCRA 607 ( b ) ( requirement for maximum accuracy ), and caused my credit score to drop XXXX points. 

I am not disputing the bankruptcy itself, only the inaccurate reporting of the date, which is being re-aged each time I dispute. 

I request that Equifax : 1. Correct or delete the public record, 2. Stop refreshing the Date Reported, 3. Provide documentation of the verification process, 4. Correct any scoring impact caused by the inaccurate update. 

This inaccurate reporting is harming my credit and my ability to obtain housing and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: WA

Complaint narrative:
IQ Data International is reporting a collection account that is interfering with my ability to secure housing. The company has continued reporting and increasing the balance without proper validation of the debt. In a call in late XX/XX/year>, a representative ( first name XXXX or XXXX, possible last name XXXX XXXX told me I should take out loans to pay the debt. I have witnesses and I applied for credit due to the pressure, resulting in hard inquiries and further harm to my credit. The continued reporting of an unvalidated debt is preventing me from renting an apartment, causing significant financial and emotional harm. I am requesting an investigation and removal of the account if validation can not be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding multiple inaccurate and outdated items appearing on my credit report, including accounts with XXXX 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 and related inquiries and balances. These items appear to be incorrectly reported or outdated, and they do not accurately reflect my payment history, account status, or overall financial behavior. Despite my prior dispute, these accounts and balances remain on my report without removal or verification, suggesting that the credit bureau has not conducted a full reinvestigation as required under FCRA 611. This failure violates the reporting accuracy and reinvestigation requirements mandated by FCRA 602, 611, and 623, and continues to unfairly harm my credit profile and financial reputation.

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 2025-11-18 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: TX

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding multiple inaccurate and outdated items appearing on my credit report, including accounts with XXXX 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 and related inquiries and balances. These items appear to be incorrectly reported or outdated, and they do not accurately reflect my payment history, account status, or overall financial behavior. Despite my prior dispute, these accounts and balances remain on my report without removal or verification, suggesting that the credit bureau has not conducted a full reinvestigation as required under FCRA 611. This failure violates the reporting accuracy and reinvestigation requirements mandated by FCRA 602, 611, and 623, and continues to unfairly harm my credit profile and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: FL

Complaint narrative:
to see what it is so it said the same thing as it usually said then I have a screenshot and even said it after we resolve the issue it said your account has been locked. Please contact Support to resolve. It contacted them resolved it. Looking at the transactions XXXX missing, more than {$2000.00} has been going on since XXXX till XXXX I disputed them because I havent received any notifications no emails. No bank statements no letters no texts on the phone. No nothing now theyre telling me oh since its been too long for this dispute, you have to wait the 90 days and we cant give you temporary credit till we investigate, I will file a police report. This is identity fraud and this is a really serious deal and I told them you dont need to give me temporary credit. You need to give me my money back instantly and I dont need to wait the 90 days because of your fault, not mine that this much time has lapsed that youre not able to issue me temporary credit, that should not be my problem. I get my money instantly and they keep sending me and still nothing. Its been about three weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I discovered a fraudulent XXXX XXXX XXXX XXXX credit card account appearing on my credit report with a balance of {$440.00}. I did not open or authorize this account. I was recently affected by a data breach, and this account was created using my stolen personal information. 

As soon as I became aware of the issue, I took the following actions : ( XXXX ) I filed an official FTC Identity Theft Report documenting the fraud.

( 2 ) I prepared and submitted written identity theft dispute letters to XXXX, XXXX, and TransUnion on XX/XX/year>, requesting immediate removal of the fraudulent account. 
( 3 ) I included copies of my government-issued ID, proof of address, and all required documentation.

( 4 ) I clearly demanded that each bureau remove the fraudulent XXXX XXXX XXXX account within 4 days, as it is actively damaging my credit. 

Despite taking all proper steps under the Fair Credit Reporting Act ( FCRA ), this fraudulent account remains on my credit report. I am requesting that the CFPB require the credit bureaus and XXXX XXXX to fully investigate and delete this fraudulent account and confirm the results in writing.

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 2025-11-18 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: UT

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXXXXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  {$3000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: CO

Complaint narrative:
I had money in my XXXX account that was not pending and I used that money to buy XXXXXXXX XXXX XXXX I bought it to send it to another wallet. 

When I tried to send the funds, I got an error message saying they wont transfer the funds right now. It says to log out of the ap, log back in, delete the ap and reinstall it. I did all these things but it still didnt work. So since I could not use my funds the way I wanted to, I sold them so the money would go from my XXXX account to my regular XXXX XXXXccount so I could use my funds. 

Each time they charged me fees to transfer money back & forth. When I tried to sell the crypto they held my money for 7 days. 

Fast forward to 7 days later, they released my money, I tried to use it again to buy and send crypto, it charged me the fees again to buy the crypto but again would not allow me to transfer it out. So again I tried to sell it. 

They are holding it for another 7 days. I believe its totally unethical and wrong to charge you fees and not give you access to your money for no reason. 

When I call them they tell me they dont know why my funds are held or I cant send crypto but its for my security. 

Its not for my security, they are just keeping me from using my funds and charging me numerous fees. This has happened to me numerous times and Id like all the fees reimbursed to me. Its essentially not allowing me to use my funds and charging me fees to try to sell my crypto back and forth after it wont allow me to use either service. I think it is illegal to hold someones money from them for no reason and not have to even tell them why.

Company response to consumer: Closed with explanation