vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
To whom it may concern, I am filing this complaint against PayPal , Inc. for unjustly withholding my funds without proper justification. I received a payment of {$670.00} USD for a legitimate digital transaction. After PayPal deducted their standard fees, my net balance is around {$630.00} USD. 

Despite fulfilling my end of the agreement and having no dispute or complaint from the sender, PayPal has placed a 21-day hold on the funds. This action was taken without providing any specific reason or supporting evidence of risk. I have complied with all their requests, including marking the order as complete and confirming delivery of the service, and the sender is fully satisfied. 

PayPal has failed to release the funds or respond meaningfully to my attempts to resolve the matter. This fund hold is seriously affecting my financial situation, as I urgently need access to this money for personal expenses. 

It is unacceptable that PayPal continues to hold money that does not belong to them, especially when there is no ongoing dispute, no indication of fraud, and no action needed from the buyer. Their policy appears to be unfairly targeting new or less active users with excessive and unjustified holds. 

I respectfully request that PayPal be held accountable for this delay and that the funds be released immediately. I also urge the CFPB to investigate PayPals fund holding policies and their treatment of users in situations like mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: IL

Complaint narrative:
I came across the CFBP Experian lawsuit. 
I feel I was negatively impacted by Experian hurting my chances at credit after receiving response to my earlier dispute that the accounts were verified, but i don't see any details about the investigation. 
Do you want to be fined too? 
Come with the receipts or be quick to delete.

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 2025-07-06 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NC

Complaint narrative:
I have decided to report the credit bureaus for reporting inaccurate data on the accounts posted on my credit reports with XXXX, Equifax and XXXX. According to the law FCRA all data must accurate and incomplete. Which means all accounts must have the exact information on each accounts. I am ware that the creditors are the ones who furnishes the information to the credit bureaus but XXXX, Equifax and XXXX  publih the inconsistency for all accounts. This type of error affects my ability to buy a home and start a new business. This type of action is deframing my character as a consumer. 

The accounts that are inaccurate are the following XXXX XXXX - Account XXXX XXXX XXXXXXXX reporting inaccurate sate last active, payment history and date last payment. All of these notation are reporting inccurate. 

XXXX XXXX Account number- XXXX reported inaccurate dates for last active and last reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I initiated a freeze on my experience account when a lease that I never had any involvement with XXXX XXXX XXXX XXXXn my credit report. It has been over seven years and still I am unable to remove this simple security measure that wmshouod take all of 5 mins to correct. It matters not how many items I mail in to experience they simply refuse to remove this freeze and it is troubling to say the least.

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 2025-07-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi. I wanted to let you know that someone has my information to open up an account in my name and is trying to get loans that over XXXX from now. I've never opened up new accounts and applied for any loans. It's a fraud. They have my details to make me indebted over XXXX, and I want this to stop. I'm a victim of identity theft, and I've already called all XXXX bureaus to freeze my credit score. It helps, but it won't stop the person still applying for loans. Now I'm asking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: MN

Complaint narrative:
Sometime between XX/XX/XXXX and XX/XX/XXXX our mortgage was sold from XXXX XXXX to Valon On XX/XX/XXXX our mortgage payment due to Valon was {$3500.00}. This can be broken down in the following manner : * Principal : {$1300.00} * Interest : {$750.00} * Escrow : {>= $1,000,000} On XX/XX/XXXX our mortgage payment due to Valon increased to {$4900.00} ( an increase of {$1400.00} ). This increased total was broken down in the following manner : * Principal : {$1300.00} * Interest : {$740.00} * Escrow : {$2800.00} Given the significant increase we checked our account on Valons website, specifically our escrow analysis and payment update. According to this, there was a shortage of {$20000.00} in our escrow account. Looking into the escrow account activity, we found the following : * Between XX/XX/XXXX and XX/XX/XXXX there was a payment paid to our property insurance company, XXXX, in the amount of {$970000.00}. This payment aligns with our annual renewal with our insurance company. 
* Between XX/XX/XXXX, and XX/XX/XXXX, there was were two payments made. One payment was in the amount of {$9700.00}, and the other payment was in the amount of {$6800.00}. These two payments make no sense. 

In checking our XXXX  account we found the following : * On XX/XX/XXXX a payment was received in the amount {$9700.00} * On XX/XX/XXXX a payment was received in the amount of {$9700.00} * On XX/XX/XXXX XXXX issued a refund in the amount of {$12000.00} * We believe this refund includes one of the {$9700.00} issued in error by ValoXXXX along with a refund for a decreased in our annual premium * Most importantly, there is no record of XXXX receiving a payment from Valon in the amount of {$6800.00} We have spoken to representatives at Valon multiple times, and we have not received answers to the following questions : * Why were two identical payments of {$9700.00} issued to XXXX with one month of each other? 
* Where did the additional {$6800.00} go? 

Valon did ask us to provide account statements from XXXX, which we have provided. 

We have asked for a follow up call from a supervisor or manager, and weve been told that they would be in contact. They have not.

Our last conversation was with Valons insurance department on XX/XX/XXXX. The representative told us they would contact our insurance company to investigate then contact us. They have not contacted our insurance agent, and they have not contact us to date. 

Contact Information : * Valon - main customer service number : XXXX * Valon - main customer service email : XXXX * Valon - insurance department number : XXXX Attachments : * XXXX ( our last Escrow statement from XXXX XXXX ) * XXXX ( our XXXX mortgage statement from Valon ) * XXXX ( our XXXX mortgage statement from Valon ) * XXXX ( our escrow analysis from Valon ) * XXXX ( our statement from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: IN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-06 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: IN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: Mid-Atlantic Finance Co., Inc.
State: CO

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and im requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove any unverifiable items!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Fundo LLC
State: DC

Complaint narrative:
I took out a merchant loan of {$700.00}. They broke down the weekly repayment about which came out to {$98.00} a week. After repaying 6 payments I inquired about the number of payments left. They told me that I had another 25 payments left. There's ABSOLUTELY no way I would signed a contract to repay {$3200.00} on a {$700.00} loan. They were extremely rude and difficult about coming to compromise. They've gone as far as to tack on court fees of an additional {$2000.00} and now want a lump sum set up a payment plan. Now they are trying to get me to repay over {$5000.00} and they've hit my business with a UCC Lien and a wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This company did not remove the negative information from my XXXX or Experian Credit Reports. I have sent in numerous paid off notifications as well as certified mail to XXXX and Experian and it still today remains 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 explanation
Consumer complaint received 2025-07-06 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 company did not remove the negative information from my Equifax or XXXX Credit Reports. I have sent in numerous paid off notifications as well as certified mail to Equifax and XXXX  and it still today remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: PA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-06 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: PA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian : XXXX XXXX XXXX Bank XXXX - Account # XXXX ) Failed to remove inaccurate charge-off account despite clear FCRA XXXX violation and multiple discrepancies in reporting. 

Equifax : XXXX XXXX XXXX Bank XXXX - Account # XXXX ) Did not perform reasonable reinvestigation for disputed charge-off with utilization inaccuracies and inconsistent reporting. 

TransUnion : XXXX XXXX XXXX Bank XXXX - Account # XXXX ) Continued to report inaccurate XXXX  XXXX charge-off despite 30-day dispute timeline under FCRA XXXX and XXXX XXXX b ).

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 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX I sent this letter to Spring Oak. To whom it may concern, I am writing to formally request a validation of the alleged debt you claim I owe, as required by the Fair Debt Collection Practice Act 15 U.S.C. 1692G and 15 U.S.C 1692e I asked them to please provide the following : -The amount of the alleged debt ; -The names of the original creditor ; -A copy of the original signed agreement of contract creating the debt ; -A complete payment history. showing how the amount was calculated ; -Proof that you are authorized to collect this debt in my state ; -Documentation Showing your legal right to collect this debt, including any transfer or assignment records. 

While this debt remains unvalidated, I request that you cease all collection activities, including reporting to credit bureaus. If you have already reported this alleged debt, you must inform the credit bureaus that the debit is disputed. 

This letter was sent out for the purpose of obtaining verification and is not acknowledgment or acceptance of the alleged debt. 

I asked them for a response within 30 days as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent XXXX XXXX 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX * * * * * * * * * * * - Date Opened XX/XX/XXXX

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 2025-07-06 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was notified the I have a XXXX XXXX Credit card that is delinquent more than 90 days, I have never had a credit card with XXXX XXXX, in my name with an authorized user as XXXX XXXX, I have no knowledge of this person, and the card was sent to XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX or either XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX. I have never lived at either address I have always lived in Georgia and have no knowledge of a XXXX XXXX. They allowed over {$13000.00} to be charged on this card. I called transunion and disputed the cards that this person attempted to get, XXXX were flagged as fraud at the time the cards were trying to be actived but XXXX XXXX XXXX department didnt investigate this at all. XXXX XXXX called me about XXXX weeks ago and I spoke to XXXX XXXX in the fraud department and he stated that he can see this was fraud anfd they were removing this from my credit but I received an updated report from transunion and XXXX XXXX verified that this is my account, they never sent me the info that I requested about this account. This account has lowered my credit score by XXXX points.. Please help me with this I didnt charge anything on this card and this should be removed 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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Experian : ( XXXX XXXX XXXX XXXX XXXX  XXXX - Account # XXXX ) Failed to delete charge-off with excessive utilization and inaccurate date reporting. 

Equifax : ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Account # XXXX ) Incorrectly verified charge-off without verifying utilization and remarks accuracy. 

TransUnion : ( XXXX XXXX XXXX XXXX XXXX  XXXX - Account # XXXX ) Verified unverifiable charge-off ; remarks conflict with reported activity.

Company response to consumer: Closed with non-monetary relief