vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Issue : Unauthorized transactions/ Fraudulent charges mishandled On XX/XX/year>, my phone was stolen. While I was locked out of my PayPal account and email until XX/XX/year>, a total of {$6600.00} in unauthorized transactions were made using my PayPal Debit Card between XX/XX/XXXX and XX/XX/year>. 

I filed a police report ( # XXXX ). I immediately disputed the charges when I regained access. 

PayPal accepted a parent case acknowledging possible unauthorized activity, but denied all 48 child cases ( individual transactions ). They later admitted some transactions were initially reversed but then corrected back to denials. Their reasoning was that my login activity appeared consistent, even though I did not have access to my phone or account during the period in question. 

PayPal has permanently suspended my account, refunded only {$160.00} ( remaining balance ), and has refused reimbursement of the {$6600.00}. 

I am requesting : XXXX. Full reimbursement of the unauthorized transactions. 
XXXX. A full copy of login/IP/device access data for the period XX/XX/XXXX XX/XX/year>. 
XXXX. A review of PayPals inconsistent handling ( reversing some charges, then retracting ). 

This case involves PayPal and XXXX XXXX XXXX  ( issuer of the PayPal Debit Card ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, someone went into a Regions Bank branch in XXXX XXXX and withdrew {$1500.00} from my checking acct. I live in TX, which is reflected on the ID used. The lady withdrew {$1500.00} using that ID. The teller said the lady knew my SSN, but that wasn't confirmed. The teller said she looked like the photo in the ID provided, but the XXXX TX detective involved, provided pictures that were taken by the bank, and confirmed she looked nothing like the ID. The detective also confirmed that the teller didn't have her sign a withdrawal slip, so there are no signature/differences to pursue. An out of state license/ID used, person looked nothing like the photo other than same color hair, and no signed withdrawal slip required. I lost 2 full days of work to freeze, shut down bank accts, try and open new accts elsewhere as suggested by the bank personnel at Regions, freezing and unfreezing credit repositories for these new accts to be opened. ( Took several trips to several banks to get another acct opened due to fraud alerts and freezes on my credit ) Bill pay was interrupted and XXXX  but two days without pay on my waiting period because I had to use them to resolve this banking issue, which I wouldn't have been necessary if the bank teller did due diligence in that situation.

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 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Incorrect card balance .. after I coll them they added XXXX dollars more to total balance .. Make me pay more then I owe them .. Added more balance for no reason.. They keep added more balance and not count My payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: NV

Complaint narrative:
This creditor keeps reporting to the credit bureau 's on an account that was discharged in a bankruptcy I had in 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This account is connected to a XXXX address that is not mines since yall refuse to investigate I did the address investigation and I got documents XXXX XXXX XXXX I got proof alone with ftc report still sham investigation from Experian not my account I am a fraud victim

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 2025-09-21 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: FL

Complaint narrative:
I rented an apartment from XXXX XXXX a very disgusting apartment complex located at XXXX XXXX XXXX XXXX XXXX Georgia. 
At the time of the apartment I was in a very toxic domestic dispute with a man I was living with So I needed to get out asap thats how I stumble upon this roach infested apartment And Ive ask them over & over for me to break my lease or get a new unit and the refuse, I have pictures of how disgusting the apartment was and no one should live there. 

I am disputing a debt being reported by IQ Data XXXX related to an apartment lease with XXXX XXXX XXXX. The apartment unit was uninhabitable due to a severe roach infestation. I requested to be moved into another unit or released from the lease, but management refused. I have written email documentation with management acknowledging the pest issue and my requests. 

Despite these conditions, I was forced to vacate and the property moved forward with eviction/collections. This account is now being reported on my credit, even though the debt is not valid. 

I am requesting that IQ Data XXXX provide full validation of this debt, or remove it from my credit reports due to it being tied to an uninhabitable unit. Supporting documents, including management emails, pest treatment notices, and my correspondence, are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I placed an order with XXXX XXXX using XXXX. On the same day, three duplicate charges were placed on my account for the same order. I immediately contacted XXXX XXXX XXXX to report the duplicates. Their agents initially told me the extra charges were holds that would fall off within 24 hours, but they remained on my account for several days. 

On XX/XX/year>, one reversal appeared, and on XX/XX/year>, a second reversal appeared. My bank later issued a refund when XXXX did not resolve the issue within the promised 57 business days. I was advised by XXXX agents and my bank to proceed with the refund request this way. 

The only valid order was fully processed and paid in full for {$250.00} ( all installments cleared ). Despite this, XXXX is now claiming I owe {$100.00}, a balance that was never reflected in my account. My account has been frozen, preventing me from using XXXX, and I am being told I must repay a refund for an order that was never processed. 

Between XX/XX/XXXX and XX/XX/year>, I contacted XXXX repeatedly through their XXXX XXXX. Each agent gave me different and conflicting information. I provided bank statements and screenshots proving the order was paid in full and that duplicate charges were reversed or refunded. Despite this, XXXX closed my complaint, stating I must repay {$100.00}, but they have not clearly explained where this balance comes from or why it was never shown in my account before the freeze. 

Key amounts and dates : {$250.00} total for valid order, fully paid. 
{$62.00} refund received on XX/XX/XXXX. 
{$62.00} refund received on XX/XX/XXXX. 
{$100.00} balance now being claimed by XXXX without explanation. 

I am requesting that XXXX be required to : 1.Provide a clear accounting of how they calculated the alleged {$100.00} balance. 
2.Remove the freeze on my account since the valid order has been fully paid.

3.Stop attempting to collect repayment for refunds issued on duplicate charges that were never valid. 

I have attached screenshots of my XXXX chats, payment schedules, and bank records to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a complaint for account and Experian closed the account stating there was possible Identity fraud.This response by Experian is incorrect. I have not alleged fraud or identity theft. My dispute is about inaccurate and duplicate reporting of Possible Financial accounts. 

Specifically : Multiple XXXX XXXX  accounts are being reported as charge-offs under different IDs ( duplicates ). 

Some accounts show {$0.00} balance but are still being listed as charge-offs or collections. 

One account was marked Previously in Dispute Now Resolved, yet no documentation or verification was ever provided to me.

Under the Fair Credit Reporting Act : FCRA 607 ( b ) requires Experian to ensure maximum possible accuracy.

FCRA 611 ( a ) requires Experian to reinvestigate disputes and delete any information that can not be verified.

By shifting my dispute to fraud, Experian has avoided addressing the accuracy issues I actually raised. These accounts need to be corrected or deleted unless verifiable documentation is provided directly from 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 2025-09-21 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 am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I pre-ordered my XXXX XXXX XXXX from Apple using my Apple Card on XX/XX/XXXX. One of the main selling points of the Apple Card is 0 % APR financing on Apple products when you purchase through the Apple Store and use the card. I did both of these things and selected the option for monthly payments. I received my phone on Friday XX/XX/XXXX, and the bill showed that it was charged as a purchase, and not monthly. I reached out to Apple and the only option was to file a claim saying that services or the product were not to my satisfaction. This opened a dispute ( although I was not able to offer any explanation and simply want to be able to pay for this expensive device over an extended period instead of all at once ). It then finally gave me an option to speak to someone after. I spoke to someone, who said they would have to cancel the dispute to fix the problem. They said they could try and then sent a boiler plate message saying they were attempting to withdraw the dispute. That doesnt solve my problem at all if anything now Im back at square one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: LA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-21 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
in XXXX of 2025 I changed banking account types with XXXX which formulated a new checking account number. As was the case, I updated all of my creditors to include XXXX which holds all 3 of my credit cards for XXXX XXXX. I was made aware on or around XX/XX/year> that one of the accounts was reported 30 days late. I immediately called the XXXX XXXX credit card ( XXXX ) and was informed that they did in fact, have the updated payment account ( my XXXX  ) for autopay. They advised that this was somehow overlooked, but ultimately could not explain why it was applied to 2 of the 3 credit accounts, but not the 3rd even though I updated XXXX with the updated payment account all at the same time. I was informed that the notes would be placed in the account and that it would be updated accordingly, understanding that the late payment was the result of a clerical oversight. I never received a response to my inquiry/request for verification/challenge of validity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted 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 explanation
Consumer complaint received 2025-09-21 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:
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 the 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Number : XXXX 15 U.S.C. 1681 Section 602 A : States I have the rights to privacy.

15 U.S.C. 1681 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 ) Sections : 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 ) Sections : States a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: NY

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 XXXXXXXX XXXX XXXX XXXX  Account Number : [ 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