vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I've tried to withdraw funds from my VENMO account XXXX cents for 4 days now. They put a suspension on my account and told me to withdraw my funds by transferring them out by using ban account and take 1-3 business days. However, the transactions continues to be cancelled by the app after attempting it for 4 days. I've spoken with customer service several times, as well as emailing account specialist because they do not have a phone number you have to contact them by email I have been emailing them for 4 days now. They do not allow me another option to withdraw my funds and customer service said they're unable to help me because the account specialist is one who's put the suspension on my account. I've been in the back car wreck and it's the only money I have and I have to buy my medicine but yet they can continue to hold my money without my permission and without a way for me to get it out of my venmo account. Please help me, this is highly unacceptable on their part to withhold my funds and not allow me away to transfer them out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
I received a deposit due to my XXXX XXXX status with the XXXX every month to first Hawaiian bank. Every month they freeze my account and put a block on my card. I am required to call and unfreeze my account and unblock my card Monday through Friday XXXX XXXX and if its on a weekend, I am unable to access my funds. Every month takes about an hour for me to unfreeze my funds that have been deposited into my account while they are declining bills and other things that are going into the account. This month they have frozen my funds and will not give me access to my funds after five days claiming they need to wait until the funds clear I can see the funds have cleared and they are in my account. They have blocked my debit card and they have blocked my access through the branch to my account and can not give me any reason why there is no negative balance on my account, but theyre claiming in the past there was a negative balance and therefore they need to hold the money in my account. I used two different banks and the same check as deposited for my other child into another bank and was available five days ago. On XX/XX/XXXX due to the holiday. I know that the government has deposited the funds and they have no reason at first Hawaiian bank to be holding my check as it is the same deposit that has been deposited into the account for three years on the same day every year every month. I have still not gained access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
b'I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission (FTC), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act (15 U.S.C.  1681c-2), you are legally obligated to block and DELETE all fraudulent information within four (4) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA  616 and 617 for willful noncompliance. This is your final warning  delete the fraudulent information IMMEDIATELY or face legal consequences.'

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 2025-09-03 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

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 2025-09-03 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 a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
I had a Credit card a few years back under XXXX XXXX XXXX XXXX that was charged off. 
I then received notification through the court that another company called XXXX XXXX XXXX is suing me for the balance owed to XXXX XXXX. I never received any written or verbal communication from XXXX XXXX informing me that they purchased the debt. Neither was I informed of the statute of limitation from them regarding the debt. They also did not show up in my credit report in any of the three major credit bureaus as the new owner of the debt in question. The notification I received from the court informing me of the law suit filed against is the first and only time I have heard of this collection agency. In addition the proof of purchase they submitted to the court is dated prior to the account I am being sued for becoming active. Since filing the law suit against me, I received communication from their attorneys office XXXX XXXX XXXX offering to settle the account for {$100.00} per month with a purposed date. What should have been done first is now being done last. By filing this law suit first, and then offering to settle it out of court is a clear attempt to scare me into settling the account out of court on their terms, even though they have yet to provide true ownership of the debt.

I am filing this complaint on the grounds of merit and unethical collection tactics. There was no transparency. How can you sue someone without first informing them that you now own the account. And my rights as a consumer was violated when XXXX XXXX XXXX neglected to provide information to me proving they are the true owner of the debt in question. I need to know what steps can I take to avoid being taken advantage of by this predator under the name of XXXX XXXX XXXX. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I reviewed my credit report and saw that several accounts are still being reported inaccurately despite prior disputes. Multiple credit card accounts from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX are showing charge-offs or derogatory late payments without proper documentation to support them. Many of these accounts are closed or report XXXX balances, yet they continue to be coded as charged-off or past due, which is contradictory and misleading. In addition, a collection from XXXX XXXX XXXX for {$600.00} tied to XXXX XXXX XXXX  remains on my file even though no proof of assignment, bill of sale, or itemized balance has been provided. I also found multiple hard inquiries between XX/XX/XXXX and XX/XX/XXXX from creditors and auto dealers, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, that have not been supported by signed credit applications or permissible purpose. Finally, outdated addresses are still appearing on my report, which increases the risk of file mixing. These issues remain unresolved and are continuing to unfairly harm my credit profile.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I apply for a wall green credit card and it went stolen and they used it and have a debit card for XXXX $ on it

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 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I called bridgecrest today XX/XX/XXXX. I informed the gentlemen as I did another representative last week that the vehicle was taken to the dealership that I purchased the vehicle from and they could pick it up there. He asked me if they had me sign any paper. I replied no they just took the keys from me and asked me why I was bringing it back which I replied I bought a brand new car, they then told me to have a great day that was XX/XX/XXXX I took the car to the dealership which was XXXX XXXX in XXXX off of XXXX XXXX XXXX XXXX. So I called bridgecrest back today because I missed a collection call. I mention to the representative over the phone again where the car is. He gives me 2 options. One was to go back to XXXX which is about 45 minutes away to sign a voluntary surrender paper that the dealership should have had me sign or they can submit a request to abandon the vehicle and that it will hit my credit for 7-10 years and also reflect the abandoned vehicle on my DMV record which sounds a bit predatory to me. The dealership failed to do their part when I was there. And also the company is out of line for making false statements to consumers. Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Was unaware of the limit amount for the ATM machine and requested an amount that exceeded the limit. The machine showed me the limit amount of XXXX XXXX & when I'd tried to withdraw that amount the card was returned and the card was locked.

Call the customer service line, voice recognition validated my identity, the rep stated that an access code needed to be sent to my cell phone, gave her my cell phone number, she stated that that number wasn't on-file, I'd asked her to update the number, she refused.

The TD Bank website clearly states that a locked ATM card doesn't stop the customer service agents from updating personal information b/c the account isn't frozen. It's just locked for purchases and ATM withdrawals.

There's a previous complaint on-file from XXXX when the bank retaliated b/c a complaint was filed for this same reason. The bank wanted my stolen passport as ID to access the account when they'd been told that the passport was stolen.

Now in XXXX they're blocking me from the account again by not following their own policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: GA

Complaint narrative:
There are several Reaging charge off accounts which is highly illegal. There are several reporting on 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