vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: MA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I sent money ( {$89.00} U.S. ) to my Mother in XXXX where she lives from the U.S. where I live. My understanding is my Mom 's email had/has been hacked and she can not enter it and retrieve the Email from PayPal and receive the money I sent.

PayPal told me they 'lent ' me the money and are now trying to collect it though the money I sent was never received.

What's happening is, PayPal is collecting Interest on Money they say they've sent ( transactional ID - no actual cash ). That money is still in their Bank Account while also trying to collect AN ADDITIONAL {$89.00} dollars from me/my Bank Account .

Corporate cronyism to the core! I spent some time reading all the reviews on XXXX. This seems to be an ongoing scam set up by PayPal. 

I'd love to know how much Money their collecting Interest on while also stating/Accounting that same Money is 'spent'/'sent ' Money!! 

Just a Month or so before this awful experience they did the same thing to me when sending money to my Son. Went to an old account he no longer uses/has access to. He never got to accept the payment. They took my Money and refused to return that too!! 

Anyone with half a Brain reading the XXXX reviews can clearly see the enormity of this Capitalist Crooked Con happening here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
I respectfully request the removal and blocking of the unauthorized accounts listed on my credit report. I did not open these accounts, nor did I provide any authorization for them. As outlined in USC 1681g, I am formally requesting their removal within 15 days. I have included all relevant documents for your reference. The information reported is not only incorrect but also varies across the different credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a deposit inside a branch on XXXX XXXX. Teller told me there was not going to be a hold on the check. I then received an email that there is a hold on the check and i would receive the funds by XXXX XX/XX/XXXX. On the XXXX I did not receive anything but another email saying there is still a hold on the check until XX/XX/XXXX. When I called the representative told me that " there is no way an account can have those types of funds. And that a teller could not have told me about not having a hold on the check. '' I then told him that it was a bank of America check, how is it that they cant verify the funds? He said " it's the system, they can't verify funds ''

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 2025-05-22 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: CA

Complaint narrative:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : XXXX. XXXX XXXX XXXX # XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have received several calls pretending to be relative to my XXXX XXXX XXXX XXXX account. My account has been closed over a year. The account was closed in good standing and no monies owed. The called again today XXXX XXXX XXXX  stating they were calling from the Navy Federal Credit Union. I told them notto call me again, the same I had did with the previous calls. This scam caller needs to be stopped and punished to the full ectent of the law! The number ( XXXX ) XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This debt does not belong to me. This was a credit card that was lost/stolen and was reported as such. Neither the original creditor nor the debt collector has furnished proof of ownership of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several accounts unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 



I am writing to formally dispute the medical collection account listed below, which appears on my credit report. This account violates both the Health Insurance Portability and Accountability Act ( HIPAA ) and the Fair Credit Reporting Act ( FCRA ). 

Account Information Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance on Experian : {$1500.00} Under HIPAA, my personal medical information including the provider, services rendered, and any related billing details is protected and may not be shared with third-party collection agencies without my written consent. I have not authorized the release of any such information to your agency or any credit reporting company. Therefore, the presence of this medical debt on my credit report is a direct violation of my privacy rights under federal law. 

Additionally, under the FCRA ( 15 U.S.C. 1681 ), you are required to ensure that all information you report is accurate, complete, and verifiable. If the account can not be verified in accordance with FCRA guidelines or lacks permissible purpose due to HIPAA restrictions, it must be immediately deleted.

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 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent money in the amount of {$1300.00} to a XXXX XXXX  business account from my capital one personal bank account using XXXX. Unfortunately, the day I sent it, XXXX closed my bank account due to a low bank balance ( you have to maintain a certain dollar amount in the bank ). XXXXXXXX XXXX has stated they sent the money back to capital one. It has been over 20 days at this point, but capital says they do not have it and that it is XXXXXXXX  fault or XXXX fault. XXXX has provided documents stating that the account is {$0.00} but has not provided documents that they returned it, other than just showing me a computer screen saying it was. So now I do not know what to do, and I cant get XXXX or capital one to produce the money. I have called XXXX as well but they cant help me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
The three major credit reporting agencies are reporting unauthorized fraudulent accounts and hard inquiries 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 2025-05-22 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: GA

Complaint narrative:
The three major credit reporting agencies are reporting unauthorized fraudulent accounts and hard inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than XXXX hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts XXXX XXXX XXXX Account Ser : 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 2025-05-22 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than XXXX hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts XXXX XXXX XXXX Account Ser : 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 2025-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
PayPal credit closed my account a few months ago. I filed a complete CFPB. They closed it erroneously stated my XXXXXXXX XXXX account I made payments from was no good. The more they had me try to put payment through the more it rejected. I contacted my bank XXXX. They said there is nothing wrong with my account and they never received the request to pay. So account is closed Im over it. But now I go in to make a payment on the closed account and the interest is astronomical causing my account to now be negative. I received no notice. I was disconnected with them on phone. I tried chat and was eventually disconnected. I can not see the new rate just the XXXX. Charge putting account in the negative. Due to this entire situation which was no fault of mine from the start as a consumer they should drop the interest all together, lower it back to the original rate, or payoff the balance.

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 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act Capital One QuicksilverOne, XXXX XXXX, Capital One XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute inaccurate and outdated information currently listed on my credit report regarding the following closed and charged off accounts : Capital One QuicksilverOne {$2600.00} Capital One XXXXXXXX XXXX XXXX {$540.00} XXXX XXXX {$840.00} This letter serves as a formal dispute and notice under my rights granted by the Fair Credit Reporting Act ( 15 U.S. Code 1681i ).

Both of these accounts are reporting inaccurate address information that does not reflect my current or valid place of residence. Additionally, the credit file lists an outdated employer, despite the fact that I have not been employed by that company for quite some time. These inaccuracies not only misrepresent my credit profile but are a clear violation of your obligation under the FCRA to report accurate and up-to-date information. 
Furthermore, I assert that I have no financial obligations related to these accounts that should justify any negative marks or associations on my report. The continued presence of this outdated and incorrect data is having a severely negative impact on both my personal and professional life, including but not limited to housing opportunities, employment screening, and financial applications. These errors are a direct hindrance to my ability to move forward and achieve personal and professional goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
I received a debt collect letter from sequium Asset solution, today XX/XX/year> There was no number on form so I googled the company and called. I found - XXXX gave my name, DOB and last 4 digits of social! After that they asked payment just to go over charges, I then realized something wasnt right and hung up but they had my name DOB and last 4 digits of social

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I was working in XXXXXXXX XXXX on XX/XX/year> when I checked my phone, XXXX had sent me a notification that my card was used at XXXX XXXX in XXXXXXXX XXXX ( on my end it said the transaction was made around XXXX XX/XX/year> ) I called after work to let them know my card was used and i physically had the card in XXXXXXXX XXXX XXXX XXXX I received an email saying that my claim was not going to be processed because the parking payment made had the chip and pin authenticated even though the card was physically with me. I spoke to a representative saying that the card was used in XXXXXXXX XXXX  was there at the time of the transaction even though it was physically with me at work in XXXXXXXX XXXX  The person said that visa not would not allow or pursue the fraud claim even though I have proof that I was at work the time the charges went through. Even if my card was used in XXXX how would I get it back and why would I incriminate myself in a fraud transaction nor did I approve of the charge, someone else approved it with stolen information I have email receipts that I subbed for XXXX named XXXX XXXX from XXXX ( I had to show up XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
I am writing you because my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the XXXX  Data breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my Transunion credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year>. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> 5. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX Account Number : 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 2025-05-22 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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