vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IA

Complaint narrative:
Was sent a text message claiming they were US Bank and to verify two charges. I received a phone call to follow up on the charges. Was told the fraud occurred through my XXXX XXXX where my debit card was listed and that I needed to set up XXXX XXXX and be issued a temporary card. I followed there instructions and was told to transfer the funds to this temporary card to keep my funds safe. Contacted US Bank within 15 minutes of this event and was told I was scammed and that I would need a new checking and savings account. Was given a preliminary return of funds to our checking account 10 days later. Two weeks ago, received a letter from US Bank stating they were denying the fraud/dispute claim and that they would be taking the {$9700.00} back. Multiple attempts to reach banking member and fraud customer service continued to just state we were denied the money since I received services from XXXX XXXX and willing transmitted the money. US Bank has been of no help and they stated to file a police report or contact XXXX ( 3 months after the fact ) who also couldnt help due to the timeline.

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 2025-07-12 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: GA

Complaint narrative:
XXXX XXXX XXXX  does not have ownership this must be re, iced immediately or I will be taking legal actions for the credit report collection of {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
XXXX 's Failure to Respond to Legal Demand & Continued Violation of FCRA Verification Obligations Complaint : I am filing this new and distinct complaint against XXXX XXXX XXXX XXXX ( XXXX ) for willful noncompliance with the Fair Credit Reporting Act ( FCRA ) and failure to respond to a certified legal demand letter I sent on XX/XX/year>. This complaint is not a duplicate of prior filings ( e.g., CFPB XXXX # XXXX ), as it introduces new violations and XXXX 's XXXX to respond to legal correspondence within a reasonable timeframe. 
NEW GROUNDS NON-RESPONSE TO LEGAL DEMAND : On XX/XX/year>, I sent a formal legal demand letter via certified XXXX mail requesting : Deletion of an inaccurate and unverifiable Chapter XXXX bankruptcy record being reported to TransUnion. 
Proof of court-certified documentation supporting their reporting. 
Explanation of permissible purpose under FCRA 1681b. 
As of the date of this filing, XXXX has not responded, in writing or otherwise, to this demand, despite confirmation of delivery. This constitutes a standalone violation of FCRA 1681s-2 ( b ) and a failure to conduct a reinvestigation as required under FCRA 1681i ( a ).

FCRA VIOLATIONS : 1681s-2 ( b ) : Failure to respond or reinvestigate upon notice of dispute from consumer.

1681e ( b ) : Continued publication of inaccurate data ( XXXX  shows XXXX XXXX XXXX, a material typographical error ). 
XXXX : No permissible purpose established to furnish the bankruptcy to TransUnion. 
LCIs prior CFPB response relied solely on non-certified XXXX  screenshots and failed to correct data field mismatches. Their actions demonstrate systematic noncompliance with both XXXX XXXX field matching standards and FCRA verification requirements.

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 2025-07-12 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: FL

Complaint narrative:
I am writing to provide a detailed and formal statement regarding a serious case of unauthorized access and theft involving my PayPal XXXX account, which has been active for nearly XXXX  years. 

Incident Summary Date of Incident : XX/XX/year> Unauthorized Amount Transferred : {$550.00} Case ID : XXXX XXXX XX/XX/year>, I received an email notification alerting me to a funds transfer from my PayPal account. Upon logging in to investigate, I immediately discovered that all of the available funds in my PayPal balance had been transferred to a bank account I do not recognize, do not own, and did not authorize. 

Further investigation revealed that : A new bank account at XXXX XXXX had been linked to my PayPal account. 

I have never held any account with XXXX XXXX. 

My PayPal account has always and only been linked to a XXXX XXXX account since its creation. 


An unauthorized email address had also been added to my account. 

This email address included my first and last name, but it is not my email and was not added by me. 


I did not authorize any of these changes or transactions. 


Actions Taken XX/XX/XXXX : I immediately filed a fraud report through the PayPal XXXX XXXX. 

Approximately XX/XX/XXXX : I received an email stating that PayPal reviewed the transaction and found " no unauthorized activity. '' I then called PayPal Customer Service and was told my case would be escalated for an appeal. 

XX/XX/XXXX : I received a second denial of my claim from PayPal, again stating that no unauthorized activity had been detected. 

XX/XX/XXXX : I sent a follow-up email to PayPals claims appeal address in response to the second denial. 

Important Context This is a PayPal XXXX account, not a personal account. 

The account has been active for nearly a decade with a clean and consistent history. 

The only bank account ever linked to it has been a XXXX XXXX account. 

The fraudulent account was at XXXX XXXX, where I have never held any type of banking relationship. 

The email address added to my account is not mine and was added without my knowledge or consent. 

Request for Urgent Escalation Given the facts above, I am urgently requesting : XXXX. A full investigation by PayPal XXXX XXXX and XXXX Department XXXX. A complete refund of the stolen amount of {$550.00} XXXX. A detailed review of : IP addresses used during the unauthorized access Devices that accessed my account during that time period Timeline of when the XXXX XXXX account and email address were added

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX account # XXXX I'm unaware of this dispute and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " certified mail '' with a receipt displaying my signature. If not, please delete the account # XXXX soon as possible from my report or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: NJ

Complaint narrative:
I am filing this complaint because Experian is reporting inaccurate and unauthorized information on my credit file, including accounts I did not open and addresses not associated with me. 

Despite multiple disputes and documentation submitted under the Fair Credit Reporting Act ( FCRA ) 1681c-2, including statements that I was a victim of identity theft, Experian failed XXXX block or remove the disputed information. I also requested reinvestigation of outdated or incorrect personal information, including addresses that do not belong to me. These errors have not been corrected. 

Additionally, I disputed a tradeline reported by XXXX that remains despite lacking verification, violating FCRA 1681i ( a ). Experian closed the dispute by stating the item was " verified as accurate '' without providing any explanation of the verification method, which is required under 1681i ( a ) ( 6 ) ( B ) ( iii ). I also noted potential Metro 2 violations due to inconsistent or duplicate reporting across bureaus.

The continued presence of this inaccurate and unverified information has harmed my creditworthiness and caused emotional distress. 

I am attaching : My original dispute letter Screenshots of the tradelines and address history My identity theft claim in original dispute letter I request immediate deletion of these inaccurate entries and full FCRA compliance.

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 2025-07-12 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: GA

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 XXXX XXXX XXXX. 

XXXX OF XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXXXXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX - XXXXXXXX XXXX - XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These XXXX agencies have not looked into a reported error. I sent them documents to have them correct the errors. Experian sent a response that makes no sense. The other XXXX agencies did not respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These XXXX agencies have not looked into a reported error. I sent them documents to have them correct the errors. Experian sent a response that makes no sense. The other XXXX agencies did not respond.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-12 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: 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 non-monetary relief
Consumer complaint received 2025-07-12 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Paypal Holdings, Inc
State: GU

Complaint narrative:
Im reporting PayPal for taking money from my old bank account even though I already removed it from my PayPal and the account was supposed to be closed. 

I was charged XXXX times, XXXX and XXXX, even though I used a different debit card to pay for those. My bank told me they usually block charges if my balance is low, and they also told me to close the account so it wouldnt keep going negative. I dont understand how PayPal was still able to take money from it. 

Because of these charges, my bank added a XXXX dollar fee for each one. Total of XXXX dollars I didnt agree to. This is not my banks fault. Its a problem with PayPal. I just want my money back and for someone to look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-12 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: CA

Complaint narrative:
I submitted a formal identity theft dispute to Experian under Section 605B of the Fair Credit Reporting Act ( FCRA ). I provided all required documentation, including : A valid FTC Identity Theft Report A government-issued photo ID Proof of address A detailed written statement identifying the fraudulent accounts I disputed Despite meeting every legal requirement, Experian has refused to comply with the FCRA. They have not blocked or removed the fraudulent information from my credit report as required under 605B. I have made multiple attempts to resolve this by contacting their Fraud Department, Membership Services, and other internal departmentsbut they continue to pass me between departments, delay action, and ignore my requests.

I even issued a formal written demand for compliance and reminded Experian of the 4-business-day deadline for blocking the disputed items per FCRA 605B. They still failed to act and have not communicated any valid reason for their noncompliance. I believe they are willfully disregarding federal law, and I have exhausted all good-faith efforts to resolve this directly with them.

I am now requesting the CFPB to intervene and require Experian to : Comply with FCRA 605B Remove the fraudulent information from my credit file immediately Provide a written response explaining their failure to act within the legal timeframe Their ongoing refusal is harming my credit and violating my rights under federal law.

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 2025-07-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
XXXX XXXX account # XXXX I'm unaware of this dispute and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " certified mail '' with a receipt displaying my signature. If not, please delete the account # XXXX as soon as possible from my report or I will take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
The XXXX account was cancelled and all equipment returned on XXXX XX/XX/XXXX ( i have receipts ). The XXXX billing cycle ended XXXX XX/XX/XXXX. XXXX continued to bill after cancellation date in the amount of {$210.00}. The charges were disputed at that time with FCC. This account was transferred to XXXX XXXX  on XXXX XX/XX/XXXX and posted to my record. The same account was then transferred to SEQUIUM ASSET SOLUTIONS on XXXX XX/XX/XXXX and hit my credit report in XX/XX/XXXX. This collection was disputed on XXXX  and XXXX. The same XXXX account has now been transferred XXXX XXXX XXXX for {$150.00} resulting in a XXXX point drop in my FICO score. I have disputed this collection on XXXX. The question is, how many times can this single disputed collection event be transferred to collection agencies to create new events that repeatedly damage by re-appearing on my credit records? My guess is that this tactic is common for collections agencies attempting to create nuisance pursuits when they realize that the account they purchased is invalid. 

Date Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX  Date Moved to Collection XX/XX/XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Amount {$150.00} Status : Unpaid Source : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief