vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX, PayPal blocked a business account without prior notice, citing a violation of their Acceptable Use Policy for accepting payments related to game virtual currency. At the time, the account held {$40000.00}, which PayPal placed on hold for XXXX  days as a precaution against potential chargebacks, as communicated via email, phone, and a XXXX  report response. 

On XX/XX/XXXX, multiple phone calls were made to PayPal support and a support ticket was submitted, but responses were generic, confirming the XXXX hold. 

On XX/XX/XXXX, a report was filed with the XXXX XXXX XXXX XXXX XXXX XXXX to which PayPal responded with contradictory statements about the hold and violation. 

On XX/XX/XXXX, the full {$40000.00} was transferred from the account to PayPal 's account without notice. 

On XX/XX/XXXX, a detailed email was sent to PayPal 's executive office requesting resolution, followed by a follow-up email on XX/XX/XXXX ; no responses were received. 
Subsequent chat interactions with PayPal support ( dates including around XXXX per recent inquiries ) involved providing verification details, but agents referenced a deduction of approximately {$40000.00} from XXXX and created a ticket ( XXXX ) promising an email update within XXXX hours, which was not received. Attempts to withdraw showed only a minimal balance ( {$6.00} ) remaining. 

These actions disrupted business operations, leading to lost sales and additional costs for alternative payment systems. Reference : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal dispute regarding a fraudulent account that has been reported under my name. I never opened, authorized, or used this account, and its reporting is both inaccurate and damaging.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
This letter serves as my formal dispute regarding the late payment entry listed on my account. This reporting is erroneous, as my payment history shows no such delinquency. The false entry negatively impacts my credit reputation and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This incorrect late payment misrepresents my financial responsibility. Kindly delete it and revise my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
I am providing an additional follow-up concerning certain inquiries on my credit file remain unauthorized or unverifiable despite previous disputes. Many of these inquiries were made without my knowledge or consent and do not meet the requirements for permissible purpose under FCRA 604 ( a ) ( 3 ) 15 U.S.C. 1681b ( a ) ( 3 ). These inquiries should be removed immediately, as they were not legally authorized. 
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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized and must be removed from my credit file. I request a complete review under the FCRA and written confirmation of all actions taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am providing an additional follow-up concerning certain inquiries on my credit file remain unauthorized or unverifiable despite previous disputes. Many of these inquiries were made without my knowledge or consent and do not meet the requirements for permissible purpose under FCRA 604 ( a ) ( 3 ) 15 U.S.C. 1681b ( a ) ( 3 ). These inquiries should be removed immediately, as they were not legally authorized. 
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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized and must be removed from my credit file. I request a complete review under the FCRA and written confirmation of all actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I believe these accounts are fraudulent, as I have no knowledge of them. Please investigate immediately and delete them from my report. Documents are enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: FL

Complaint narrative:
I agreed to the loan and was told it was XXXX $ to barrow XXXX then when everything was signed my apr went to XXXX XXXX on a XXXX loan that's illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding my XXXX account, issued by Comenity Bank. This account was used to finance dental services, which were medically necessary. The account was originally placed on autopay. However, I was unaware that Comenity Bank requires autopay to be manually re-authorized every 6 months, and I was never notified that this reauthorization was needed. 

As a result, payments failed without my knowledge, and by the time I was notified, the account had already become 90 days past due. This was not a result of intentional nonpayment but a systemic breakdown in communication and a flawed autopay policy. Once I became aware, I immediately resubmitted the autopay authorization, and I have not missed a single payment in nearly 2 years since. 

Furthermore, I voluntarily doubled my monthly payment amount to demonstrate good faith and rebuild trust with the creditor. Despite this, Comenity has twice denied my goodwill removal requests, and the derogatory marks remain, severely affecting my credit despite my demonstrated rehabilitation. 

I am requesting that the CFPB assist me in having these outdated late payments removed in good faith. I have made every effort to correct the issue, maintain consistent payments, and go above and beyond what was required. These late payments no longer reflect my financial behavior, and I am seeking fairness in their continued reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
This letter serves as a dispute against a fraudulent account that has been incorrectly reported under my name. I have no relationship with this account and never consented to its creation. Its presence on my credit report is both harmful and unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: PNC Bank N.A.
State: OH

Complaint narrative:
XX/XX/year> I purchased a car I was told car was XXXX when I purchased i put XXXX down got contracts keys headed home that night I looked at contracts they was switched with these I have on me car went from XXXX to XXXX called rhey didnt answer for 2 weeks wanted answers and to who i pay a payment i was prepared to finance XXXX. So I returned car wanted XXXX back. They refused so after 2 more weeks they said fine I went down but only gave me XXXX which is short XXXX I called pnc customer care they took report but did it wrong twice instead of disputing XXXX they did the XXXX then did XXXX which was the money they returned to me. Ive called several times did the online chat. I was told now I can dispute the whole XXXX as fraud they wont talknto me on customer care ive asked for a supervisor but no luck I want the money put back but not getting help just want the XXXX difference i gave documentation proving my signature was forged

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter serves as a formal dispute of a fraudulent account reported under my name. I have no association with this account, nor did I authorize or manage it. Its presence on my credit report is completely inaccurate and must be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
I am writing to dispute a late payment entry reflected on my account. This reporting is factually incorrect, as all payments were submitted on time. Allowing inaccurate information to remain misrepresents my financial reliability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: CA

Complaint narrative:
I do not recognize these accounts and suspect they are fraudulent. Please investigate and remove them from my credit report. Supporting evidence is enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I requested my statements for all of XXXX  months ago and they were never provided to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: AZ

Complaint narrative:
I am not linked to these accounts in any way. They are fraudulent and must be removed immediately, with an investigation to follow. Documents are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$450.00} XXXXXXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX -Balance {$9500.00}

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 non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding several disputes that I submitted which were either denied or mishandled, even though I did not receive the goods or services paid for.

1. Concert Tickets {$250.00} I purchased tickets to the XXXX concert but was issued tickets for XXXX, Georgia instead of XXXX XXXXXXXX, where I live. This was not what I ordered, and I could not use the tickets. I submitted a dispute, but Navy Federal denied it despite the clear evidence that I did not receive the correct goods/services.

2. XXXX XXXX XXXX {$400.00} I made a dinner reservation at XXXX XXXX and paid a deposit. The restaurant later cancelled the reservation because they were full and told me the deposit would be refunded. I never received the refund. I submitted a dispute for this transaction on [ insert date ], but I have not received assistance.

3. XXXX XXXX XXXX {$260.00} I purchased a flight through XXXX that turned out not to exist. I was forced to buy a replacement flight the very next day for {$530.00}, which can be seen on my Navy Federal transaction history. I submitted a dispute for the original {$260.00} charge on [ insert date ], but again, no resolution has been provided.

In all three cases, I either did not receive the services paid for or was charged for something materially different than what I purchased. Despite following the dispute process and submitting supporting documentation, Navy Federal has denied or ignored my claims. This has caused significant financial harm and violates my rights under the Fair Credit Billing Act, which protects consumers against billing errors, including charges for goods or services not delivered.

Desired Resolution : I am requesting that Navy Federal Credit Union : Properly investigate each of my disputes.

Refund the charges for the transactions where I did not receive the goods or services.

Ensure that future disputes are handled in compliance with federal law.

Amount in Dispute : {$250.00} + {$400.00} + {$260.00} = {$920.00} Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
I am disputing the late payment reported on my account. This entry is false and unsupported by my actual payment history, which reflects consistent timeliness. The continued presence of this error is unacceptable.

Company response to consumer: Closed with non-monetary relief