vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
Suggested Feedback to Submit : I am deeply disappointed by PayPals response, which entirely fails to address the real issue : my account was compromised, and this situation amounts to financial armed robbery. The fact that PayPal relied solely on login consistency as justification to deny my claim shows a shocking disregard for the actual human impact this has had on me. 

I did not authorize the {$120.00} transaction, nor did I approve the use of my debit card. My account activity shows signs of being manipulated, and rather than acknowledging the possibility of a security breach, PayPal placed blame on me and shut down my access without resolution. 

This has caused emotional distress, financial hardship, and extreme frustration. I have cried over this not just because of the money, but because I feel completely unprotected by a financial platform I trusted. The companys assumptions about device consistency ignore the very real possibility of internal compromise, device cloning, or malicious access that mimics prior logins. 

Furthermore, the decision to permanently limit my account based on alleged shared information with other accounts without proof, due process, or recourse is unjust, unprofessional, and harmful. 

PayPal failed me. I request that CFPB continue to monitor this case and re-engage the company. If this issue is not resolved with reimbursement and an apology, I am prepared to pursue civil action for financial negligence and emotional damages. No one should be robbed through a platform and then treated like the criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-10 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:
Please consider this as my formal complaint to the EXPERIAN for allowing the fraudulent accounts and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/year>, with the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear 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 non-monetary relief
Consumer complaint received 2025-05-10 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: NM

Complaint narrative:
I am filing a formal complaint against TransUnion for failure to comply with my federally protected rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B ( 15 U.S. Code 1681c2 ) and for violating my ADA accommodation request. ( Title III : Public Accommodations and Services Operated by Private Entities 42-U.S. Code 12182 ) I submitted a full identity theft dispute packet to TransUnion on XX/XX/2025 by certified mail ( signed for on XXXX and stamped on XXXX ), which included a police report, FTC Identity Theft Report, a detailed list of fraudulent information to be blocked ( highlighted copy of current credit report documenting fraud at that time ), and a written request under 605B for immediate removal. The packet was delivered and signed for, yet TransUnion failed to act within the required 4 business days or the 30 calendar days allowed by law. 

In XXXX, I mailed a second follow-up packet reinforcing the dispute and again included tracking confirmation ( mailed XXXX delivered XXXX no card was returned ) and all required supporting documentation. As of XX/XX/2025, it has now been 60 calendar days since the original packet and 50 days since the second packetwell beyond all legal deadlines. TransUnion continues to report fraudulent names, addresses, and inquiries I did not authorize.

I also provided written ADA accommodation  documenting all the way back from XXXXXXXX XXXXCurrent, supported by documentation from my attorney 's. I clearly instructed that all communication must be made in writing by mail only due to a XXXX  XXXX from a XXXX XXXX XXXX XXXX. Despite this, TransUnion continues to send unauthorized electronic communications via email, which is a direct violation of ADA law. 

Ive submitted voter registration records validating that I live at my current legal address. I have resided here for almost XXXX XXXX TransUnion continues to report false addresses linked to states Ive dont live in, such as XXXX and XXXX  XXXX This undermines the security of my identity and misrepresents me as a consumer. Equally I have had fraudulent accounts opened in my name due to inaccurate names and addresses and even social security numbers being on my credit report like phones and insurance. 

I am demanding the following : 1.Immediate removal of all unauthorized names, addresses, and accounts under FCRA Section 605B. 
2.Written confirmation that these corrections have been completed. 
3.A written acknowledgment of ADA violations and confirmation that all future communications will be in writing via mail only. 
4.Confirmation that corrections have been submitted to all third-party agencies, including XXXX  and 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 2025-05-10 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: PA

Complaint narrative:
Equifax Mortgage placed a hard inquiry on my credit report on XX/XX/year>, which I did not authorize!!!!! No credit account or loan was opened as a result of this inquiry CLEARLY and I did not provide written consent for a hard pull. 

Under FCRA 604 ( a ) ( 3 ), a hard inquiry requires permissible purpose and my explicit consent. Yes. I know the LAW. This inquiry was either unauthorized or improperly coded as a hard pull instead of a soft one.

I have reached out to the credit bureaus and now request this inquiry be deleted due to lack of permissible purpose. 

This complaint was submitted directly by me, XXXX XXXX XXXX. I am the consumer. No third party is involved. NONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Incorrect names and employer being reported on my credit report which is affecting my ability to obtain credit. I need them removed immediately.

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 2025-05-10 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: Experian Information Solutions Inc.
State: AL

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 a 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 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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD Bank is reporting a secured credit card account that was closed on XX/XX/year>, yet continues to show late payments and a XXXX day delinquency months after closure, despite the reported balance being {$0.00} and no payment activity since XX/XX/year>. 

This is clearly inaccurate, misleading, and unverifiable reporting. You can not report a {$0.00} balance and simultaneously claim that an account is XXXX days past due without any documented activity or balance due. 

In addition, TD Bank previously marked this account as in dispute, then removed that remark and continued reporting derogatory information without validating the debt or providing any supporting documentation. This violates the Fair Credit Reporting Act, including : FCRA 623 ( a ) ( 1 ) ( A ) furnishing false or incomplete data FCRA 611 ( b ) failure to properly reinvestigate XXXX XXXX guidelines requiring consistency across XXXX XXXX The account also contradicts itself : showing closed by credit grantor, while continuing to update post-closure with negative payment history. There has been no financial activity for nearly 6 years, and the derogatory information is now outdated and unverifiable. 

I am demanding permanent deletion of this account from my credit reports due to inaccurate, incomplete, and unverifiable information. This complaint was submitted directly by me, XXXX XXXX XXXX. No third party is involved. I REPEAT. NO THIRD PARTY IS INVOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: FL

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 2025-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
hi ive recenty applied for credit and found out I had items on my report that I didn't apply for nor give Anyone authorthy to use my credit ive reached out to both credit bureaus and copies and seen to get no response on this matter. ive sent in all docs that was requested of me please help me with this matter

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 2025-05-10 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: FL

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. 
XXXX Account XXXXXXXX XXXX, has violated my rights. 

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 a 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 explanation
Consumer complaint received 2025-05-10 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: Experian Information Solutions Inc.
State: MD

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 a 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 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 2025-05-10 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.

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number Last XXXX : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX  Account # XXXX * * * * * * date opened XX/XX/XXXX bal. {$12000.00}, XXXX XXXX bank XXXX Account XXXX XXXX * * * * * * date opened XX/XX/XXXX bal. {$4800.00}, XXXX XXXX XXXX Account # XXXX * * * * * * * * * date opened XX/XX/XXXX bal. {$2200.00}, XXXX card services Account # XXXX * * * * * * date opened XX/XX/XXXX bal. {$1900.00}, XXXX XXXX XXXX Account # XXXX * * * * * * * * * date opened XX/XX/XXXX bal. {$1800.00}, XXXX XXXX  Account # XXXX * * * * * * date opened XX/XX/XXXX bal. {$1200.00}, XXXX XXXX XXXX  Account # XXXX * * * * * * date opened XX/XX/XXXX bal. {$380.00} XXXX XXXX XXXX, XXXX Account # : XXXX * * * * date opened XX/XX/XXXX bal. {$40.00}. Inquiries : XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-10 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.

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number Last XXXX : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX  Account # XXXX * * * * * * date opened XX/XX/XXXX bal. {$12000.00}, XXXX XXXX bank XXXX Account XXXX XXXX * * * * * * date opened XX/XX/XXXX bal. {$4800.00}, XXXX XXXX XXXX Account # XXXX * * * * * * * * * date opened XX/XX/XXXX bal. {$2200.00}, XXXX card services Account # XXXX * * * * * * date opened XX/XX/XXXX bal. {$1900.00}, XXXX XXXX XXXX Account # XXXX * * * * * * * * * date opened XX/XX/XXXX bal. {$1800.00}, XXXX XXXX  Account # XXXX * * * * * * date opened XX/XX/XXXX bal. {$1200.00}, XXXX XXXX XXXX  Account # XXXX * * * * * * date opened XX/XX/XXXX bal. {$380.00} XXXX XXXX XXXX, XXXX Account # : XXXX * * * * date opened XX/XX/XXXX bal. {$40.00}. Inquiries : XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief