vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am filing this complaint because PayPal has held my funds far longer than the timeframe they originally stated, and then made unexplained balance adjustments that reduced my account from {$3400.00} to {$0.00} after the hold period expired. 

My account was frozen on XX/XX/XXXX, and PayPal informed me in writing that my funds would be released after 120 days, around XX/XX/XXXX. When that date arrived, PayPal changed the timeframe to 180 days, with a new promised release date of XX/XX/XXXX. I have message documentation from PayPal Giving Fund confirming the XX/XX/XXXX release date. 

After the 180-day period ended, instead of releasing the funds, PayPal applied several corrections to my balance with no explanation, resulting in my available balance becoming {$0.00}. There were no chargebacks, disputes, or fraudulent activity on my account. I have not been given any reason why the funds were taken, and normal customer support has not provided any clarification. 

I am requesting a full investigation into where my {$3400.00} went, why the promised release dates were not honored, and why my account was adjusted to {$0.00} after the hold period. I am also requesting the return of my funds or a detailed explanation supported by documentation. 

I can provide all messages showing the promised release dates, screenshots of the balance adjustments, and the original freeze notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NJ

Complaint narrative:
I am submitting this as my second formal dispute regarding multiple inaccuracies appearing on my Equifax and TransUnion credit report. Upon a detailed review of my credit file, I have identified discrepancies involving both personal identifying information and the reporting of account status that are materially inaccurate and require immediate correction under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). These inaccuracies misrepresent my creditworthiness and may negatively impact my ability to access credit under fair and accurate terms.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian for failing to remove multiple unauthorized hard inquiries that I formally disputed on XX/XX/year>. Despite clear evidence and multiple follow-up notices, Experian has not deleted the inquiries from XXXX XXXX, XXXX XXXX  ( twice ), XXXX XXXX XXXX XXXXXXXX XXXX  XXXX and XXXX OF XXXX XXXX XXXX which I authorized or initiated. Experian has also failed to provide the required documentation or proof of any permissible purpose as mandated under FCRA 1681b, nor have they completed a lawful reinvestigation under FCRA 1681i. Their continued inaction harms my credit profile and violates federal law, demonstrating negligence and non-compliance with their legal obligations. I am requesting CFPB intervention due to Experians refusal to correct these violations after multiple attempts.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am sending to formally dispute multiple inaccuracies, incomplete information, and unauthorized inquiries that currently appear on my Experian, Equifax, and TransUnion credit reports. I have spent substantial time reviewing my credit files in detail, and I have identified several entries that are incorrect, outdated, unverifiable, or inaccurately reported. These errors have caused unnecessary distress and have the potential to significantly impact my financial stability, credit opportunities, and overall quality of life. 

Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights to dispute inaccurate information and to request a full and thorough reinvestigation of each items listed below. I expect all information to be verified using original, creditor-level documentation, as required by federal law. Any item that can not be verified, confirmed, or substantiated must be permanently deleted. 

XXXX XXXXXXXX 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 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 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 2025-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I was deceived by an individual named XXXX XXXX XXXX also known as XXXX XXXX XXXX, who falsely claimed owner of XXXX in XXXX XXXX, CA. He misled me into signing electronic documents for a XXXX XXXX loan through Ally Bank. The entire process was in XXXX without any explanation or translation. I was told it was only to help the dealership get a vehicle, not a real purchase. 

I never received, drove, or saw the car after signing. No delivery or registration was completed. Later, I discovered that an auto insurance policy was fraudulently created under my name using forged signatures, fake contact information, and third-party payments. 

A XXXX XXXX loan was also created under the name of XXXX XXXX XXXX ( age XXXX ), who never signed any contract or authorized anyone to apply for financing or insurance policy. 

The XXXX XXXX XXXX XXXX XXXX as the salesperson, but this appears to be a false name with no valid XXXX sales license. All insurance and monthly payments were made by third parties connected to XXXX XXXX, not by me or XXXX XXXX. 
Private XXXX report showing insurance agency shared same resident adrees with XXXX XXXX. XXXX policies has forgery signiture and associated email with insurance account not belong to us. 
These loans were obtained through deception and identity misuse, with no legitimate delivery or consent. Under California law, such contracts should be void. I request CFPBs assistance to investigate Ally Banks role in approving these fraudulent loans and to help cancel these accounts and remove them from our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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 multiple inaccurate, unverified, and misleading entries on my credit report, which are causing significant harm to my creditworthiness. Despite my efforts to address these issues directly with the creditors, these accounts remain incorrectly reported. 

Firstly, my address is incorrectly listed in various accounts as XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. This inaccuracy has caused additional confusion and potential identity-related issues. 

Secondly, I am disputing the following accounts which I assert are either reporting late payments inaccurately, are charge-offs I have no knowledge of, or are collections I am not responsible for : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection accounts I dispute. 

Additionally, there are unauthorized inquiries by XXXX ( XX/XX/XXXX ) and XXXX CARD ( XX/XX/XXXX ) that must be investigated. 

Under the Fair Credit Reporting Act ( FCRA ), I request that these disputed items be fully investigated, verified, and corrected or deleted from my credit file. I have never made any late payments on these accounts to my knowledge, and I have no responsibility for the collections listed. Reporting these inaccuracies is causing substantial and undue harm to my financial standing. 

I request the Consumer Financial Protection Bureau to take immediate action to ensure the accuracy of my credit report and to enforce my rights under federal law. I expect written confirmation of your findings and corrective actions taken. 

Thank you for your attention to this serious 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 2025-11-26 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: AR

Complaint narrative:
I am filing this complaint to address inaccurate reporting on my credit reports from TransUnion, Experian, and Equifax concerning an account with XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX  ; balance {$160.00} ; date opened between XXXX XXXX XXXX ; last payments made between XXXX XXXX XXXX XXXX XXXX XXXX, which is incorrectly reported as 60 days late. I have consistently made timely payments as documented in my attached statements and payment confirmations. Despite my efforts to dispute these errors directly with each credit bureau, the account continues to reflect inaccurate late payments, negatively affecting my creditworthiness and causing undue stress. Under FCRA 611, 623 ( a ) ( 2 ), 623 ( b ), and 15 U.S.C. 1666 and 1666a, I am entitled to have my credit reports corrected and updated to reflect accurate 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 non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have suffered : Denial of credit Reduced credit score Emotional distress Higher interest rates Difficulty renting or obtaining financing Ongoing collection activity during a dispute These harms continue because the bureaus refuse to follow federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: SoLo Funds Inc.
State: IN

Complaint narrative:
I borrowed by solo funding and went to pay back the amount. Their system said it had an error processing and the payment did not go through. I waited a day and made the payment again. The following day, they charged my account twice for the amount. 
I reached out them through email the day that happened. Did not hear back, reached out the next day still nothing, finally on the third day they responded it was being reviewed. This is day four with no updates on refunding my money. 
I have sent proof of double charge from my account and confirmed with bank it was paid to them. I keep being told it is being worked but so resolution. They have also caused my account to go negative and caused overdraft fees to occur. 
All I want is the double funds back and the overdraft fees they caused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
Experian is reporting multiple inaccurate and unauthorized items on my credit file, and my previous dispute was not properly handled. They are still showing wrong addresses XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX, TX XXXX, even though I have never lived at either of those locations. Experian is also reporting several late payments on accounts where I have never been late, including XXXX XXXX XXXX, XXXX XXXX for both the XX/XX/XXXX and XX/XX/XXXX accounts, XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX XXXX. These late payment histories are completely inaccurate. 

My file also contains charge-off accounts that I have no knowledge of, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine, I do not recognize them, and Experian has failed to properly verify them. These errors are harming my credit and causing ongoing issues.

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 2025-11-26 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: 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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
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 2025-11-26 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: CA

Complaint narrative:
I have found fraudulent account on my credit report the account is from XXXX  XXXX XXXX opened on XXXX. I have found fraudulent hard inquiries, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX please remove

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 2025-11-26 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 convergent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right 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 consent and/or instruction.

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 2025-11-26 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: GA

Complaint narrative:
In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right 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 consent and/or instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
CFPB COMPLAINT : PAYPAL ( Unauthorized Transaction Source and Compliance Failure ) Target Product : Money transfer, virtual currency, or money service Target Complaint Category : Fraud or other suspicious activity Issue : Unauthorized funds transfer Transaction Date : XX/XX/2025 Amount : {$39.00} Transaction Descriptor : XXXX Transfer from XXXX XXXX Co. 
Your Complaint Text ( Copy/Paste this description for the CFPB submission ) : On XX/XX/2025, an unauthorized DEPOSIT of {$39.00} was sent to my bank account with Bank of XXXX XXXX XXXX ). The transfer descriptor, originating from PayPal, used the XXXX XXXX XXXX XXXX XXXX, which is the precise name associated with me, XXXX XXXX XXXX I did not initiate this DEPOSIT, and the use of my associated name suggests potential fraud and unauthorized use of my identity within the PayPal system to create the sending account. 
Refusal of Trace/Information : I contacted PayPal to XXXX the origin of this specific XXXX transfer, including the sending account details, the identity of the sender, or a trace ID. 
Compliance Failure : PayPal explicitly stated they could not or would not provide any tracing information or confirmation of the sender 's identity, effectively blocking the victim 's ability to investigate the potential identity theft event that occurred on their platform. 
Systemic Risk : This refusal demonstrates a critical compliance failure, as PayPal is facilitating suspicious transactions that use identity-linked descriptors and then refusing to cooperate with the victim to secure the transaction data required to stop the identity abuse. 
Desired Resolution : PayPal must immediately investigate and provide all internal data, including the source account, trace number, and confirmation of what identity documentation ( KYC ) was used to set up the XXXX XXXX XXXX XXXX account that generated this unauthorized transfer. Given PayPal 's refusal to provide necessary data to victims, I demand the CFPB initiate a comprehensive audit of PayPal 's compliance with KYC requirements and data security, resulting in mandatory civil penalties and structural changes to facilitate class-wide recovery for all affected consumers.

Company response to consumer: Closed with explanation