vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Company : PayPal , Inc . Product : Digital wallet ( XXXX XXXX XXXX ) I am both the sender and the intended recipient. On XX/XX/year> at XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) I sent XXXX XXXX ( XXXX ) on XXXX from XXXX to the XXXX XXXX address assigned to my account, XXXX. 

Transaction : XXXX. 
The tokens are visible at that address on XXXX. 

I requested a one-time manual wallet sweep from the PayPal-controlled address XXXX either ( a ) return to sender or ( b ) sweep convert credit ). I consent to reasonable network/processing fees and can top up XXXX if needed. 

XXXX XXXX XXXX confirmed in writing that PayPal controls the private key for XXXX but refused recovery solely under its unsupported asset policy and closed case XXXX ( XXXX XXXX ref XXXX ). 
The assets are not lost on chain and only XXXX, as key holder, can move them. 

XXXX XXXX XXXX confirmed in writing that XXXX controls the private key for XXXX but refused recovery solely under its unsupported asset policy and closed case XXXX. The assets are not lost on chain and only XXXX, as key holder, can move them. I am requesting CFPB assistance to require XXXX to perform the one-time manual sweep described above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened a XXXX XXXX line of credit I applied on XX/XX/XXXX of 2025 in the bank with Fifth Third in XXXX Illinois at the instruction of the banker I opened a checking account that same day because the banker told me specifically it would make it easier to access money from my home equity line of credit I was there with my son who was directly communicating on my behalf just because he speaks the financial language a little bit better than I do and I was taking the loan to help provide general family liquidity, and help him start a business. We told the bank this from the very start there was no fraudulent activity. There was no bounced checks. There was no missed payments without warning. They froze our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: IL

Complaint narrative:
I am disputing several unauthorized and inaccurate accounts that appear on my credit reports with XXXX Equifax, and XXXX. I never gave written consent for these accounts to be furnished, as required under 15 U.S.C. 1681b of the FCRA. Multiple accounts from debt buyers, auto lenders, and collection agencies are unverifiable, outdated, and misreported across bureaus. Despite previous disputes, the items remain. My personal information was also exposed in major breaches ( XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, increasing the likelihood of fraud. These entries are damaging my creditworthiness, causing financial harm, and must be deleted as required by FCRA 602, 604, 611, and 623.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: NJ

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution XXXX not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information XXXX be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, XXXX XXXX  XXXX XXXX  XXXXI may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
My investment account was closed by Cash App XXXX XX/XX/year>. I requested information as to why on the same day. I contacted Cash App as directed through the app requesting to speak to someone on the Investing Team. They refused to make a phone call and instead emailed. I believed this to be an important issue and demanded a call this time and before. They would not. I was sent an email with the following content : " After careful review and consideration, your Cash App Investing account has been closed. 
This decision by Cash App Investing is final. If you have any questions about this matter, please contact Cash App support and request to speak with the Investing team. '' By XX/XX/XXXX, XXXX emailed me stating that they received information from the IRS twice within XXXX years that the combination of my name and social security on my investment account is incorrect. I wrote back informing them that my name, driver 's license, and returns all had the same name. It was then that he informed me that they would be withholding money from my account ( $ XXXX ). It was not until XX/XX/XXXX that they told me that I could move my stocks to another brokerage. 

I believe that I was treated unfairly and my account was closed without them attempting to resolve their mistake. 

I also told him that Cash App had requested proof of who I was months ago and I had complied, and asked why I was being asked again .. At the time they asked for pictures of myself holding several items as proof of identity. I told him that I could send again. He said the decision is final. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This account is being inaccurately reported as a charge-off. Under the Fair Credit Reporting Act ( FCRA ), creditors may only classify an account as a charge-off if it has been delinquent for 120180 days. I was never 120 days past due on this account. I made payment ( s ) that brought the account current prior to reaching charge-off status. 

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 2025-09-18 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-18 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: MD

Complaint narrative:
XXXXComplaint Regarding Unauthorized Credit Inquiries\n\nTo Whom It May Concern,\n\nI am submitting this complaint because several credit inquiries have been reported on my XXXX and TransUnion credit files without my knowledge, authorization, or consent. These inquiries are causing harm to my credit profile and I believe they violate the Fair Credit Reporting Act (FCRA), which requires that permissible purpose must exist for a creditor to obtain my credit report.XXXX   Unauthorized Inquiries\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDetails of the Complaint\n\nI never applied for credit with these companies on the dates listed, nor did I grant authorization for them to access my credit reports. These inquiries are lowering my credit score unfairly and may misrepresent my credit-seeking behavior to potential lenders.\n\nRequested Resolution\n\nI respectfully request that the CFPB investigate these unauthorized inquiries and require XXXX and TransUnion to:\n\nRemove all the above-listed inquiries from my credit reports.\n\nProvide documentation showing who requested the inquiries and the alleged permissible purpose.\n\nEnsure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your assistance in this matter. Please keep me informed of the progress of this complaint.\n\nSincerely,'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I was scammed out of {$420.00} on or about XX/XX/year>. I informed my bank ( XXXX ) and XXXX. There was an investigation conducted. XXXX informed my bank that I authorized the transactions. I did not authorize any transactions. XXXX people were on my bank account : XXXX XXXX {$220.00}, XXXX XXXX, {$200.00}. XXXX XXXX is now listed as XXXX XXXX. Clearly, scammers change their user IDs. 

I posted this activity on social media and another XXXX customer had a similar experience but was scammed out of {$1000.00}. 

I have frozen my account with XXXX and will no longer do any business with this company. XXXX bank would not back me up on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NC

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


FRAUDULENT ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Lvnv finding is currently garnishing my wages, but yet it's increasing the amount owed, I never recieved any docs about being sued, about the amount owed, or was notified in any way of the collections, I have disputed this several times and get no results

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MS

Complaint narrative:
I am disputing fraudulent accounts that have been wrongly attributed to my credit report. I had no involvement with these accounts, and I did not provide authorization for them. Their inclusion is false, misleading, and damaging, creating an inaccurate reflection of my financial history.

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 2025-09-18 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:
It has come to my attention that my personal information has been exposed in a National Data breach. After reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however that information has not been provided. Due to my information being exposed I have also submitted a FTC complaint reporting the information I am not familiar with.

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter

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 2025-09-18 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: MI

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$6300.00}

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 2025-09-18 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: NC

Complaint narrative:
There is a car repossession on there dated XXXX in the amount of 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 2025-09-18 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 explanation
Consumer complaint received 2025-09-18 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 a formal dispute regarding fraudulent accounts that appear on my credit report. I had no involvement in creating or authorizing these accounts, and their inclusion is false and harmful. Their presence misrepresents my financial history and negatively affects my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor 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

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