vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Delta Management Associates, Inc.
State: FL

Complaint narrative:
The company called me at work. Extremely unprofessional and feels unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to urgently dispute several unauthorized hard inquiries that have been reported to my credit files with Experian, TransUnion, and Equifax. These inquiries were not initiated, authorized, or consented to by me and may constitute identity theft under federal law.

The unauthorized inquiries occurred under the following names : XXXX XXXX XXXX XXXXXXXX ( listed twice ) I did not apply for credit with any of these entities. I never provided authorization for any credit check or application, and I have no existing or prior relationships with them. The fact that these inquiries exist on my credit reports is highly alarming and suggestive of potential identity theft or fraud.

Pursuant to 18 U.S.C. 1028A, the unauthorized use of another persons identifying informationsuch as for the purpose of obtaining creditis a federal crime : Aggravated Identity Theft. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ( c ) ), hard inquiries may only be made with the explicit consent of the consumer. These entities have violated my rights by pulling my credit without a permissible purpose.

Furthermore, under 15 U.S.C. 1681i, I have the right to dispute any inaccurate or unauthorized information on my credit reports and to demand a reasonable investigation and prompt correction or deletion.

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 2025-07-09 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to urgently dispute several unauthorized hard inquiries that have been reported to my credit files with Experian, TransUnion, and Equifax. These inquiries were not initiated, authorized, or consented to by me and may constitute identity theft under federal law.

The unauthorized inquiries occurred under the following names : XXXX XXXX XXXX XXXXXXXX ( listed twice ) I did not apply for credit with any of these entities. I never provided authorization for any credit check or application, and I have no existing or prior relationships with them. The fact that these inquiries exist on my credit reports is highly alarming and suggestive of potential identity theft or fraud.

Pursuant to 18 U.S.C. 1028A, the unauthorized use of another persons identifying informationsuch as for the purpose of obtaining creditis a federal crime : Aggravated Identity Theft. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ( c ) ), hard inquiries may only be made with the explicit consent of the consumer. These entities have violated my rights by pulling my credit without a permissible purpose.

Furthermore, under 15 U.S.C. 1681i, I have the right to dispute any inaccurate or unauthorized information on my credit reports and to demand a reasonable investigation and prompt correction or deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, AL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Credit Card Opened by the Thief Company or Organization : XXXX  XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$430.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$790.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$500.00} Fraudulent Information on Credit Reports Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$29000.00} XXXX XXXX XXXX XXXX XXXX XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$15000.00}

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 2025-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
Purchased used vehicle at XXXX XXXX Ford in XXXX XXXX NJ. On XX/XX/XXXX. I received a letter on XX/XX/XXXX, from Ford Motor Corporation regarding a recall on my XXXX Ford XXXX XXXX. The letter stated that due to the vehicle catch on fire when plugging in to charge, Ford Motors will refund me the purchase price. The issue at hand is that I had put down {$10000.00} as a down payment, but Ford will only reimburse me the amount the car is worth, which is {$17000.00}. The car has a loan that currently is {$17000.00}. Basically, once Ford Motors takes back car, I would only will have the balance remaining. I went to the dealership and asked for my down Payment but was told to call the Ford Credit because the dealership does not refund my down deposit. I had to file a complaint with the Ford Credit because I was told that there is nothing they can do. The frustrating part is that I was sold a car that already had a very dangerous recall. Had I been aware of the car having the potential to catch on fire when plugged in, I never would have purchased the vehicle. All I am asking is for my down payment so that I am to purchase another one. Basically Ford Dealership, Ford Credit, and Ford Motors walks away and has no unaffected that I was sold s defective car and everyone at Ford loses nothing. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>, I made a purchase from a company called XXXX using my Bank of America debit card for a watch totaling {$200.00}. After placing the order, I reached out to XXXX multiple times requesting tracking information but received no response. Eventually, they informed me via email that the shipment had been canceled and marked as lost. Based on this, I reasonably assumed the order would not be fulfilled and proceeded to file a dispute with Bank of America. 

However, the package was randomly delivered nearly XXXX weeks after I received the cancellation email, and XXXX did not notify me of this delivery. I was not provided with tracking updates or a delivery confirmation. In fact, they did not contact me until XXXX days after the package had already been delivered by then the package was missing. Because I had been told it was canceled and never received any shipping details, I had no reason to expect a delivery. 

Additionally, the shipping address used was not my home, and I had no reason to monitor it after being told the order had been canceled. Had I known the item was still on its way, I absolutely would have taken the necessary steps to retrieve it. Now, XXXX is refusing a refund unless I return the itemwhich I never received. 

Bank of America closed the dispute in the merchants favor before I had the opportunity to submit my full evidence. Since the case is now marked as closed, Im unable to upload supporting documents or communicate through the dispute center. Their phone support has extreme hold times, making it nearly impossible to reach someone for help. 

I am respectfully requesting this case be reopened. I did not receive the goods I paid for and acted in good faith throughout the process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am filing a complaint against Bank of America for furnishing inaccurate and misleading information to XXXX XXXX XXXX  ( XXXX  ), which has affected my ability to open and maintain accounts at other banks. 

In 2023, I maintained both a checking and savings account with Bank of America. Several transactions were returned or reported as overdrafts on my checking account. However, my savings account had a balance of over {$5000.00} at the time of these returned transactions. 

I was never informed by Bank of America that I needed to opt in separately to overdraft protection in order for my savings to cover checking account transactions. Had I been properly notified or educated on this, I would have taken action immediately. No alerts or clear disclosures were provided indicating that failure to link my accounts for overdraft coverage would result in negative third-party reporting to agencies like XXXX XXXX 

Despite having available funds, Bank of America reported these returned ACH and check items as if I lacked sufficient funds, creating a misleading and harmful profile of account misuse. This violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which requires furnishers to report data with maximum possible accuracy and not omit key contextual 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 explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00}

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-07-09 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against PayPal regarding the abrupt, permanent limitation of my account and the withholding of my personal funds without a clear explanation or due process. I have been a long-time PayPal user, relying on the service for important personal and business financial transactions. I have always complied with PayPal 's terms and maintained transparent activity on my account.

Background & Timeline : Recently, I received an unexpected notification that my PayPal account has been permanently limited after an internal review ( see attached screenshots ). PayPal cited generic security and integrity reasons, but provided no specific details or evidence of any violations. I was not contacted for additional information, nor given an opportunity to respond or clarify any alleged issues prior to this drastic action.

Current Situation : As a result, I have lost access to my account, which currently holds {$1200.00} of my personal funds. PayPal has stated that these funds will be held for up to 180 days. However, there is no justification for freezing my legitimate balance, nor was I presented with any meaningful explanation, specific allegations, or a fair appeal process.

Concerns and Violations : Lack of Transparency : PayPal failed to specify what, if any, activity triggered the permanent limitation. The correspondence only references broad User Agreement clauses without details.

No Due Process : I was not offered any means to appeal, provide evidence, or otherwise address whatever concerns PayPal may have had about my account.

Withholding of Personal Funds : PayPal is withholding my personal balance with no valid reason. These funds are essential for my daily living and ongoing financial commitments.

Emotional and Financial Distress : The sudden freeze has caused significant disruption, stress, and potential harm to my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - {$0.00} BANKRUPTCY - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The personal information on my credit report were outdated.

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