vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I was repeatedly denied for credit, housing, and transportation because TransUnion reported inaccurate personal information ( wrong address, incorrect drivers license number, accounts not belonging to me, inaccurate payment tradeline from creditors and name variations ). Lenders told me directly that my identifying information didnt match what was on my TransUnion file, so my applications were automatically denied. 

I have disputed these errors with TransUnion since 2024, including illegal accounts, inaccurate addresses, and improper reporting. TransUnion has failed to properly investigate or correct the errors while XXXX  and XXXX  removed the same hard inquiries. This neglect left hard inquiries on my report that never should have been there and violated my rights under FCRA 607 ( b ) and 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/year>, I received an email from PayPal at XXXX XXXX  stating that there were some recent transactions that I may or may not have authorized and that some features were temporarily paused. Later the same day, at XXXX XXXX, I received another email informing me that PayPal would no longer offer services for my account due to unusual activity.

I strongly believe this decision is a mistake. My PayPal account has only been used for personal purposes, specifically to receive money from a friend, and has never been involved in any disputes, chargebacks, or business-related activities. On XX/XX/year>, I received {$760.00} from a friend, and my current PayPal balance is {$500.00}.

I submitted all required documents to PayPal, including proof of address from my XXXX XXXX  account ( billing address linked to my PayPal Debit Mastercard ), my verified ID with XXXX ( ITIN ), a XXXX  ( XXXX XXXX  ) statement, and screenshots of the transfer sent from my friends PayPal account in XXXX. I am also willing to provide any additional documentation if necessary.

I have never opened another PayPal account, and all linked bank accounts are in my legal name. Despite this, PayPal has not clearly stated which section of the User Agreement I allegedly violated and has not provided a detailed explanation.

I respectfully request that PayPal conduct a manual review of my case and reconsider the permanent limitation decision. I would like my account to be reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
What happened : I hold an individual cash account ( Robinhood Money ) with Robinhood. This account contains FDIC-insured deposits, not brokerage investments. On or around [ insert exact date the restriction started ], Robinhood placed a restriction on my account without prior notice.

When I contacted support, I received only a generic message stating that the account was under a routine review and that I should expect an update within four days. No specific reason was given for the restriction, nor was I told what steps I could take to resolve the matter.

More than [ X days/weeks ] have passed since the restriction was placed, and I still can not access my funds. Robinhood continues to provide vague responses without lifting the restriction or offering a path to resolution.

Impact on me : I am experiencing a financial emergency and urgently need access to my funds for essential living expenses. This ongoing restriction is creating severe hardship. Robinhood is withholding FDIC-insured deposits without justification, a timeline, or any concrete instructions.

What I am requesting : Immediate release of my funds, or at minimum, partial access while the review is ongoing.

A clear explanation of the reason for the restriction.

A defined timeline for resolution and specific steps I can take to restore access.

Why I am filing this complaint : Robinhood has restricted access to my FDIC-insured deposits without clear cause, adequate explanation, or timely resolution. This is preventing me from accessing my own money during an urgent financial need.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
As if I dont give these greedy scamming XXXX enough already in fees. What they like to do is when I click on XXXX to purchase they will bring up XXXX  and I buy it ( they make money on fee ) realize that I was scammed so sell it ( they make money on fee ) and now they are holding my money till the XXXX of XXXX when I tried to sell my most recent purchase with XXXX. I want my money and I want it now I want credit to my account for their devious swindling ways

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
Beginning on or around XX/XX/year>, I have been unable to access my CIT Bank account. For at least XXXX days, both the website and mobile app have been unavailable to me. Each attempt to log in results in errors, and I can not view my account information or manage my funds. 

I attempted to call CIT Bank customer service multiple times during this period. Each time, the call was not completed because the companys phone system reported technical difficulties. I was not able to reach a representative for assistance. 

As of today, I still do not have access to my account. This has prevented me from monitoring my balance and ensuring the safety of my funds. No communication or updates have been provided by CIT Bank regarding the outage or estimated resolution time. 

Actions taken by me : - Attempted to log into the website and mobile app multiple times over XXXX days. 
- Attempted to call customer service several times but was blocked by automated messages citing technical difficulties. 

Actions taken by the company : - No direct response or communication has been received from the company. 
- No status updates or alternative support channels have been offered. 

Impact : I have had no access to my funds for at least XXXX consecutive days, and no support options have been available during this period. This is causing significant concern about account access and reliability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against AMEX a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. AMEX XXXX & AMEX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: OH

Complaint narrative:
My credit report is showing late payment statuses that are not correct. I have always made my payments on time, but the bureaus are reporting them as late. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and furnishers must ensure maximum possible accuracy ( 607 ( b ) ) and properly reinvestigate items when I dispute them ( 611 ). Even after my prior disputes, the late marks are still on my report and are bringing down my score unfairly, which makes it harder for me to qualify for credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
XX/XX/year> Using Square for the third time this year at my clients request, I charged their credit card {$4100.00} for the month of my XXXX educational support services. 
XX/XX/year> Square says it is an unusually large transaction for my account and requests my business information which I provide. 
I call and am repeatedly disconnected and the 3 people I finally reach can not help. 
XX/XX/year> Square deactivates my account and I lose access to that money. 
My client has technically paid me, so I have to work XXXX for free unless I can access that money Square now holds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XXXX XXXX, I recorded an email from " chime bank '' saying my account had been compromised, then I started receiving phone calls from their customer support member. {$760.00} was transferred to a fraudulent call pretending to be my bank institute telling me my account had been compromised. The number was made from chime customer support 2x so I believed it was them. The lady who says her name was XXXX, says she was with the fraud department. She had all my info, as well as the balances to all 3 services i had through banking ( credit builder account, checking account and spot me account ) she knew those balances down to the XXXX. I thought she was legit. She told me that my account needed updating and to confirm they could update i had to transfer o a temporary hold account and once it was updated it would all be transferred back over. But it wasn't. She scammed me. Took everything. Please help me find this person and prosecute them. I have no money for food or my medication now. I will provide all the documentation I have to support my claim. I am an honest person, I am not trying to scam my bank. This has been a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with Chime for a transaction in the amount of {$960.00}, which originally occurred on XX/XX/XXXX. 

Chime acknowledged my dispute and informed me that the investigation would be completed by XX/XX/XXXX. However, I was later informed that my dispute was denied. I was not provided with a clear or detailed explanation of the denial, nor was I given supporting documentation of how the decision was reached. 

I understand that Regulation E requires disputes to be filed within 60 days of the statement date, but in this case Chime still accepted and processed my dispute. I am concerned that they may not have followed the proper procedures regarding investigation timelines, communication, and provisional credit. 

I am seeking a full and transparent explanation of Chimes handling of this dispute, and confirmation that all applicable consumer protection requirements under Regulation E were followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: FL

Complaint narrative:
In accordance with the Federal Fair Debt Collection Practices Act, 15 U.S. Code 1692c, XXXX XXXX XXXX violated my rights as a consumer, you are hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. I will work directly with the alleged original creditor, to resolve this matter, as warranted. Please take note that I am declining any attempts by, or any other collection agency with regards to this matter. 
In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. 
You are also requested to CEASE AND DESIST contacting me with further regards to this matter, unless it is to notify me via XXXX mail that you will be terminating all attempts to collect this alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: WA

Complaint narrative:
All mobile and online account access has been unavailable, displaying only a maintenance problem notice. Customers did not receive any prior public notice or communication regarding this outage, which has created unnecessary confusion and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: OK

Complaint narrative:
The u.s. treasury department deposited money in my moneylion account on XX/XX/XXXX. The funds were released to moneylionXXXX XXXX on XX/XX/XXXX. It is now XX/XX/XXXX and moneylion/XXXX XXXXk is still holding the funds from posting to my account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
Google is billing me nonstop to the point its stealing and XXXX  just look at all the pictures and dates

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: AR

Complaint narrative:
I pulled my credit foe a home loan and discovered the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T is threatening to take my XXXX payments for debt I am aware that this can not be done they froze my account and I am told they are taking my payment for collection of transaction I didnt make. I requested that it be reopened after they denied it the first time. They never explained to me why as I requested a written response from them but they did not respond nor has the store response back after I have gone there twice requesting a copy of the receipt for the day my card was composed without my consent. No response from either one. I understand my social security XXXX payments for two months are, protected M & T bank and I am told they are taking my money for debit owed. This is the second complaint that I have sent to your company regarding my money Thank you for all of your understanding. I hope to heard from you soon thank you again ps I wish my payments from social security o for XX/XX/year>2025 and are not taking away from me due to collections from transactions I didnt make.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: GA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - {$700.00} - Balance : {$700.00} Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$460.00} - Balance : {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am disputing how Synchrony Bank is reporting my PayPal Credit account to the credit bureaus. This account is a PayPal Credit digital line of credit. It is not a traditional credit card and can not be used outside of PayPal. There is no physical credit card associated with it. 

Despite this, Synchrony is furnishing it to XXXX ( and other bureaus ) as a XXXXXXXX XXXX XXXX  account. I disputed this with XXXX in XX/XX/XXXX, but Synchrony verified the information as reported. The XXXX  dispute results confirm the account continues to show as a credit card. 

I contacted Synchrony directly. One representative initially acknowledged that PayPal Credit is a line of credit, not a card. However, after speaking with a supervisor, I was told that Synchrony will always report it as a credit card and that no correction is possible. 

This misclassification negatively affects my access to credit. For example, XXXX applies a XX/XX/XXXX rule to new credit card applications, and this reporting caused an unjust denial. 

I request that Synchrony correct its reporting to classify PayPal Credit as a line of credit, or provide a written justification to regulators explaining why it is coded as a credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This discrepancy has caused significant confusion and hardship. I respectfully request that Capital One and the dealer review the matter immediately and correct the error. Please provide me with written confirmation of the steps being taken to resolve this issue. Under the Fair Credit Billing Act and applicable consumer protection laws, I ask that this dispute be fully investigated and resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MS

Complaint narrative:
No information they have on file is accurate the contract use to belong XXXX. But even they dont have the correct birthdate or social number. I have requested paperwork from them never received it. But always send me letters threatening to sue me or take legal actions against me.

Company response to consumer: Closed with explanation