vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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

Complaint narrative:
Company Name : XXXX XXXX XXXX XXXX XXXX XXXX account Email : XXXX We are a company located in XXXX and using PayPal Business for last two years and all is well through the account, few days back we signed a partnership with our drop shipping agent, and we started association with him to receive payments directly and give them our items to ship and share the profit when we started getting orders suddenly the account went in review, they asked us to submit ID and we did it, all of the next the restricted our account and funds were frozen, we are a small enterprises and we can not ship orders until we get payment and we are never sure PayPal can release payment without any hurdles, there are lot of news PayPal freezing or refunding money to customers even everything is ok. 

Than a customer opened a ticket for a fraudulent transaction, PayPal didn't bother to ask us and add our notes that it isn't our fault and the money is held by PayPal itself, but what happened they immediately closed case in favor of buyer and charged us the dispute fee also whereas there isn't any dispute the only dispute is that PayPal itself holding money for no reason. 

They defamed us for the fraudulent activity as there is none and also charged us dispute fee Our account activity can be reviewed for last two years how effectively we were doing business The Customer support is failed to answer any question that i made Our conversation in the customer messages can be viewed, we are unable to export in pdf

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
Complaint Narrative : I am filing this complaint regarding XXXX XXXX ( unsecured loan account ), which is being inaccurately and inconsistently reported by XXXX, XXXX, and TransUnion. 

Account details : Creditor : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  ( conflicting across bureaus ) Date Closed : XX/XX/XXXX ( inconsistently reported ) Balance : {$0.00} High Balance : {$1800.00} ( XXXX  ) vs {$3200.00} ( XXXX/TransUnion ) Status : Reported as Collection/Charge-off Issues : Contradictory reporting across bureaus Different opening/closing dates, high balances, and last activity dates. 

False derogatory reporting The account is marked as Charge-off even though the balance is listed as {$0.00}. 

Unverifiable debt transfer Reported as purchased by another lender, but no lender is identified, and no documentation has been provided. 

False payment history XXXX  and XXXX are reporting late payments ( 30, 60, 90 days ) on a closed account with {$0.00} balance, which is misleading and damaging. 

Federal Law Violations : Fair Credit Reporting Act ( FCRA ) : 602 ( 15 U.S.C. 1681 ) Reports must ensure maximum possible accuracy.
605 ( 15 U.S.C. 1681c ) Prohibits reporting obsolete or unverifiable derogatory information.

607 ( 15 U.S.C. 1681e ) Requires credit bureaus to establish reasonable procedures for accuracy.

609 ( 15 U.S.C. 1681g ) Entitles consumers to disclosure of original creditor and proof of debt.

611 ( 15 U.S.C. 1681i ) Requires reinvestigation of disputed data within 30 days.

623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishers from knowingly reporting false or misleading information.

FDCPA : 807 ( 15 U.S.C. 1692e ) Prohibits false representation of debt.

808 ( 15 U.S.C. 1692f ) Prohibits unfair and unconscionable reporting practices.

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 2025-09-05 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-05 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Late payment entries are showing on my credit report that I believe to be inaccurate. According to 15 USC 1681e ( b ) and 15 USC 1681i, my report must only reflect information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or deleted.

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 2025-09-05 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'm not involved with these accounts ; USC 1681g mandates their removal within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Late payment entries shown on my report appear to be inaccurate. Pursuant to 15 U.S.C. 1681e ( b ) and 1681i, my credit file must contain only information that is accurate, complete, and verifiable. I request verification of these late payment entries, and if they can not be substantiated, I ask that they be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I believe the collection accounts appearing on my credit report contain inaccuracies. Under 15 U.S.C. 1681e ( b ) and 1681i, I am entitled to a report that is fair, accurate, and verifiable. I request that these accounts be investigated, and if they can not be confirmed as correct, they must be deleted from my file.

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 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Collection accounts are appearing on my credit report that I believe contain inaccurate information. Under my rights granted by 15 U.S.C. 1681e ( b ) and 1681i, I am entitled to an accurate and verifiable credit report. I request a thorough review of these entries, and if they can not be confirmed as accurate, I ask that they be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Late payment entries are showing on my credit report that I believe to be inaccurate. According to 15 USC 1681e ( b ) and 15 USC 1681i, my report must only reflect information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report shows collection accounts that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 1681i, I am entitled to a report that is accurate and verifiable. I request that these entries be reviewed, and if they can not be confirmed as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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:
b'This late entry might need correctionplease take a look.'

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 2025-09-05 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:
Complaint Narrative : I am submitting this complaint against XXXX XXXX  XXXX and the credit bureaus ( XXXX XXXX, TransUnion ) for reporting false derogatory information on my auto loan. 

Account details : Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$14000.00} Terms : 78 months Current Status : Open and paid as agreed Issues : False late payments My credit file shows multiple 30-day late payments in XXXX XXXX - XXXX XXXX, although this account has been current. 

Contradictory reporting Bureaus simultaneously list Current status while also inserting derogatory lates. 

Inconsistent data Dates of last activity and reporting do not match across bureaus. 

Violation of my consumer rights This false reporting is damaging my creditworthiness and constitutes unlawful conduct. 

Violated Consumer Protection Laws : FCRA 602 ( 15 U.S.C. 1681 ) Consumer reports must be fair and accurate. 

FCRA 605 ( 15 U.S.C. 1681c ) Prohibits obsolete or inaccurate information.

FCRA 607 ( 15 U.S.C. 1681e ) Bureaus must maintain reasonable procedures for maximum accuracy.

FCRA 609 ( 15 U.S.C. 1681g ) Consumers are entitled to complete and accurate disclosures.

FCRA 611 ( 15 U.S.C. 1681i ) Requires proper reinvestigation of disputed information.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers must not report information they know or should know is inaccurate.

FCRA 616 & 617 ( 15 U.S.C. 1681n & 1681o ) Establish civil liability for willful and negligent violations.

FDCPA 807 ( 15 U.S.C. 1692e ) Prohibits false, deceptive, or misleading representation of debts.

FDCPA 809 ( 15 U.S.C. 1692g ) Requires debt validation before reporting derogatory tradelines.

ECOA ( 15 U.S.C. 1691 et seq. ) Protects against unfair credit practices.

GLBA ( 15 U.S.C. 6801 ) Requires protection and accuracy of consumer financial information.

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 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>2025 I went into Chase bank to inquire about deposit of my cashiers check for {$250000.00}. I explained that I needed the funds to clear within 3-5 business days due to investment timing. I asked that he NOT deposit the check without prior knowledge of check hold times. The chase employee deposited the check without my consent, then told me that I'd have to wait 10 business days for it to clear on XX/XX/year>2025! This was unacceptable! I then filed a complaint with chase on the branch. The next day, I then received an email from chase stating that, they were going to close the account unless I called them. When I called chase, I was told that the account would be closed on XX/XX/scrub>/2025 and a cashiers check would be mailed to me within 2 days! I explained that this was unacceptable and that I am in the process of moving and would need to pickup the check at the branch. On the day that the funds were made available on XX/XX/scrub>/2025 I went into the chase branch on XXXX XXXX and XXXX XXXX in XXXX. At XXXX, I went to get the cashiers check and close the account. The teller asked why would I not wire transfer the funds to my other bank as it would be quicker than another cashiers check! I agreed, and she sent me into to que for the branch associate. When he tried to access my account, there was a NEW in BOLD red letters saying STOP! This account was determined to be closed for customer conduct and the dispersement of funds are at the discretion of the branch manager. The branch manager then stated that he's going to restrict my account until XX/XX/scrub>/2025 at which point he will close my account and overnight me a cashiers check. They're doing this because I made a complaint for the fraudulent deposit! They also are doing it to make me miss out on my investment! I explained that's why I was opening the account. Now they are going to make me miss the XXXX meeting rate cuts!! I suffer with XXXX and they are using my XXXX against me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-05 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: LA

Complaint narrative:
Experian XXXX. XXXX XXXX, XXXX, TX XXXX RE : FCRA 605B Identity Theft Request XXXX XXXX XXXX Compliance ( Condition Code C-2 ) To Whom It May Concern, To Whom It May Concern, This is a formal request submitted pursuant to FCRA 605B for the blocking of fraudulent information appearing in my consumer credit files. As required under XXXX XXXX XXXX  industry standards, I request that the following items be suppressed, corrected, or deleted using Compliance Condition Code C-2 ( Identity Theft ) to ensure maximum possible accuracy and data integrity. 

Fraudulent Accounts to Be Blocked ( per 605B ) XXXX XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : [ insert date reported ] XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX / XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX / XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX  Date Opened : XX/XX/XXXX XXXX  / XXXX  Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX / XXXX XXXX  Date Opened : XX/XX/XXXX These accounts, inquiries, and collections were not authorized by me and are the result of identity theft. 

Supporting Documentation ( per 605B & XXXX  ) Enclosed are the documents necessary to support proper CRA processing of this dispute : FTC Identity Theft Report ( XXXX  ) Government-issued photo ID Proof of current address ( utility bill / bank statement ) Signed affidavit of identity theft ( this letter serves as affidavit )

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 2025-09-05 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: LA

Complaint narrative:
Experian XXXX. XXXX XXXX, XXXX, TX XXXX RE : FCRA 605B Identity Theft Request XXXX XXXX XXXX Compliance ( Condition Code C-2 ) To Whom It May Concern, To Whom It May Concern, This is a formal request submitted pursuant to FCRA 605B for the blocking of fraudulent information appearing in my consumer credit files. As required under XXXX XXXX XXXX  industry standards, I request that the following items be suppressed, corrected, or deleted using Compliance Condition Code C-2 ( Identity Theft ) to ensure maximum possible accuracy and data integrity. 

Fraudulent Accounts to Be Blocked ( per 605B ) XXXX XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : [ insert date reported ] XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX / XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX / XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX  Date Opened : XX/XX/XXXX XXXX  / XXXX  Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX / XXXX XXXX  Date Opened : XX/XX/XXXX These accounts, inquiries, and collections were not authorized by me and are the result of identity theft. 

Supporting Documentation ( per 605B & XXXX  ) Enclosed are the documents necessary to support proper CRA processing of this dispute : FTC Identity Theft Report ( XXXX  ) Government-issued photo ID Proof of current address ( utility bill / bank statement ) Signed affidavit of identity theft ( this letter serves as affidavit )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp.
State: TX

Complaint narrative:
Company / Entity Complained Against Dealer : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX ( XXXX  ) Product / Service Auto Loan Auto Sales & Financing Complaint Summary I purchased a XXXX XXXX from XXXX XXXX XXXXXXXX XXXX on XX/XX/2025. 
Agreed purchase price : {$39000.00} Down payment : {$3000.00} Expected financed principal : {$36000.00} Case # ( XXXX XXXX XXXX XXXX ) : XXXX # XXXX After finalizing the purchase, I discovered that the dealership added unauthorized charges to my loan principal without my knowledge or consent : Pre-delivery Services : {$1800.00} ( dealer contract later showed {$2000.00}, inconsistent ) GAP Contract : {$1200.00} ( not disclosed as optional ) XXXX Windshield Protection : {$1200.00} ( not listed in dealer contract ) At delivery, I did not receive the sales invoice or loan contract. The dealership told me it would be mailed. I only obtained copies later after escalating. 

Issues Identified : Unauthorized Charges Items were added to my loan without disclosure or consent. 
Contract Discrepancies Dealer contract vs XXXX XXXX records show conflicting charges. 
Title Misrepresentation Dealer contract shows vehicle as New, but XXXX XXXX records list as Used. 
Lack of Transparency Key documents ( loan contract, invoice ) were withheld at delivery. 
Obstruction Dealer sales and finance staff ignored my repeated calls and blocked my number. 

Steps Taken to Resolve : Contacted XXXX of XXXX XXXX ( Sales : XXXX XXXX, Finance : XXXX XXXX ) no response. 
Contacted XXXX XXXX referred to XXXX, then back to dealer. 
Contacted XXXX XXXX XXXX XXXX XXXX # XXXX opened. 
XXXX acknowledged discrepancies but stated they can not intervene. They said the dealer would contact me by XX/XX/2025. As of today, I have received no resolution.

Company response to consumer: Closed with explanation