vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
PayPal charges fees where they do not apply using their service of sending money to 'friends or family. They charge TWO fees, one for using a credit card, and the other is a cash advance fee, treating the credit card payment as 'cash advance ', which is NOT. As a consumer, I choose to pay or send money however I desire, especially when given options. They do not disclose at the time of payment or sending money that they charge an additional fee.

For example : Sent to [ XXXX XXXX XXXX ] {$1200.00} XXXX EUR Fee for using a credit card ( which is already high ) : {$40.00} XXXX EUR Total {$1200.00} XXXX EUR Then, adding a cash advance fee, which is also very high ( 8.75 % of the amount above ) : {$100.00} A Total of over {$140.00} in fees alone is fraudulent, and that is why I am making this report. They should charge one single fee, and lower than what they habitually charge already.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: OH

Complaint narrative:
There was no prior notice for these inquiries, which may lack proper clearance. Please inspect the documents.

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 2025-08-04 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I recently reviewed my credit report and discovered an account that I believe is inaccurate, incomplete, or not verifiable. The account in question is : - Creditor/Company Name : XXXXXXXX XXXX XXXX  XXXX - Account Number : XXXX - Issue : This account is inaccurately reported. 

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I have the right to dispute any item on my credit report that I believe is inaccurate. Both the credit reporting agency and the furnisher of this information are required by law to conduct a reasonable investigation and respond to my dispute within 30 days. 

I have already attempted to resolve this matter directly with the credit bureau and/or the furnisher, but I have not received a satisfactory response or resolution. 

I respectfully request that the Consumer Financial Protection Bureau : 1. Open an investigation into this matter.

2. Ensure that the credit reporting agency and XXXX XXXX conduct a reasonable reinvestigation. 
3. Remove or correct this inaccurate or unverifiable information as required under FCRA. 

Attached to this submission : - A copy of my government-issued ID Please confirm receipt of this dispute and inform me of the outcome of your investigation. Thank you for your attention to this matter and for helping protect the accuracy and integrity of consumer credit reporting. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because the major credit bureaus ( Equifax, Experian, and TransUnion ) are reporting a false bankruptcy on my credit report. This bankruptcy does not belong to me. It appears this information was mistakenly added due to having the same name as my father, but I am a XXXX, and the bankruptcy in question pertains to him, not me. I have already disputed this false bankruptcy multiple times with the credit bureaus. Additionally, XXXX, the third-party furnisher of this information, has acknowledged the error and attempted to have the credit bureaus remove it. Despite this, the credit reporting agencies have failed to correct or remove the inaccurate entry, causing me ongoing harm. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the maximum possible accuracy of the information they report and to correct any inaccurate or unverifiable information in a timely manner. I am requesting the CFPB to investigate this matter, ensure the false bankruptcy is immediately removed from all three of my credit reports, and that the credit bureaus are held accountable for failing to correct inaccurate information after being provided with clear evidence and dispute communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because the major credit bureaus ( Equifax, Experian, and TransUnion ) are reporting a false bankruptcy on my credit report. This bankruptcy does not belong to me. It appears this information was mistakenly added due to having the same name as my father, but I am a XXXX, and the bankruptcy in question pertains to him, not me. I have already disputed this false bankruptcy multiple times with the credit bureaus. Additionally, XXXX, the third-party furnisher of this information, has acknowledged the error and attempted to have the credit bureaus remove it. Despite this, the credit reporting agencies have failed to correct or remove the inaccurate entry, causing me ongoing harm. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the maximum possible accuracy of the information they report and to correct any inaccurate or unverifiable information in a timely manner. I am requesting the CFPB to investigate this matter, ensure the false bankruptcy is immediately removed from all three of my credit reports, and that the credit bureaus are held accountable for failing to correct inaccurate information after being provided with clear evidence and dispute communications.

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliphant United, Inc.
State: FL

Complaint narrative:
OLIPHANT USA is falsely reporting on my credit. I have never had any accounts with them. Per my research OLIPHANT USA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
I settled an account in full on XX/XX/XXXX, with a payment of {$600.00} as per a settlement agreement. The company, XXXX XXXX, confirmed in writing that upon receipt of the settlement payment, the account would be closed, all obligations released, and credit bureaus notified to report the account as Paid in Full for Less than Full Balance.

Despite fulfilling this agreement and providing proof of payment and settlement, my credit report still incorrectly shows a {$600.00} balance and lists the account as charged off with a past due amount. I contacted the company via email provided to me by the their agent which the agent emailed to me so I could have the correct email and no errors. The first email was sent on XX/XX/XXXX, requesting correction of the account status and notification to credit bureaus with no response. I followed up again on XX/XX/XXXX, again, receiving no response.

The company has not corrected the inaccurate reporting, which violates the Fair Credit Reporting Act ( FCRA ) requirements. I am seeking prompt correction of the account status on my credit report, notification to all relevant credit bureaus, and written confirmation of these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Viva Finance Inc.
State: FL

Complaint narrative:
T

his company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to your credit report. OR This agency is infringing on your consumer rights by using misleading, false, and deceptive tactics. I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately. Under the FCRA, you are legally required to investigate these disputes within 30 days. Due to the damaging and incorrect nature of these accounts, I am demanding removal within 24 hours. Failure to comply will result in : Formal complaints filed with the CFPB, FTC, and State Attorney General Legal action for willful noncompliance with federal credit laws Damages for emotional distress and denied opportunities

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase bank misinforms its customers, administers false identity tests on purpose ( 2 out of 2 cases ) and does not deliver the wire service under false pretenses. My rent on the apartment I have rented was multiple days late and damages were XXXX XXXX, which I demand to be paid as damages by the bank. 


On XX/XX/year> I have requested a wire to pay my vacation stay in XXXX on the XXXX app, the wire was accepted. A minute later I got a call from the bank and during the call they requested I confirmed in the app that I am the one that is calling. I confirmed. Then to further prove that they were speaking with me they 'administered ' a test but they have omitted the correct answers. The call was probably from overseas as the quality was bad, the person 'testing ' omitted correct answers. After that he hanged the phone on me and locked my account. I have called the chase line again, again I had to confirm on the app, then the person administered the test, same situation happened ( chase omitted the correct answer on purpose ). When I asked explicitly if there was a fifth answer, she said yes and only at that time offered the fifth answer, which was the correct one. I asked to speak with the manager and she confirmed the wire transfer would go out if I re-submit again. I did, but the wire did not go out. As a proof of declining of the transfer I have two emails.

declined transaction numbers : - From Account Ending in XXXX Transaction Number : XXXX - From Account Ending in XXXX Transaction Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: SC

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: SC

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs XXXX XXXX  lawsuit against { XXXX XXXX } * * I am a victim of malpractice and broken laws based on the XXXX lawsuit against { XXXX XXXX  } }. * * And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of XXXX - Metro 2 Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling. 
Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations American XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), Metro 2 violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, Metro 2 violations ( codes 30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { XXXX XXXX  NAME } Lawsuit Reference This is not isolated. The CFPB filed suit against { XXXX XXXX NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case

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 2025-08-04 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:
T

his is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$610.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$180.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
I tried to call U.S bank to reverse the overdraft fees. I turned off overdraft coverage. It seems like they dont want to help me get a refund. All pending charges from 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 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America - Failure to comply with Anti Money Laundering ( AML ) and Know your Customer ( KYC ) regulations XXXX XXXX XXXX - Failure to verify original documents to underwrite a loan I bought a car from a dealership, which was leased from XXXX XXXX in Minnesota, who used XXXX XXXX to fund the transaction. XXXX XXXX  wired the money to Bank of America ( seller 's account ). The customer ( me ) never received the car, which was supposed to be shipped out of state to the buyers residence. The seller used fake title, name and credentials to sell the car under the pretext of being a legitimate car dealer. When XXXX XXXX informed Bank of America that the entire transaction was fraudulent, Bank of America refused to send the money back that was wired saying the customer account is closed and no funds are available ( this was within 2 days from receiving the original wire ).

A police report was filed with the XXXX XXXX department of police in Minnesota

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 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Data and Contact Management Solutions, LLC
State: VA

Complaint narrative:
b'DCM services contacted me saying I passed away and they need to speak to someone regarding my estate. This is false information and I dont know how they got my name and address. This is falsely claiming someones identity.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: EQUIFAX, INC.
State: VA

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

Company response to consumer: Closed with non-monetary relief