vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: AZ

Complaint narrative:
On XX/XX/year> I sent separate dispute letters via certified mail to three credit bureaus which is XXXX, TransUnion, XXXX. Included in those letters were a copy of my social security number, state issued ID which verify my residence. I demand that those credit bureaus provide all original documents by mail which I have yet to receive documents from any of these bureaus or collectors. Theyve notified me that disputes were open and will be investigated. The 30 days has expired at this point. Another problem with that is that theyve updated accounts without providing those documents and without my permission. Never received an option to opt in or out of reporting to my credit report which is required by law. Theyre reporting false, inaccurate and unverified information on my credit report. This is in violation with the FCRA. Per violation allow me to recover up {$1000.00} in statutory damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: AZ

Complaint narrative:
On XX/XX/year> I sent separate dispute letters via certified mail to three credit bureaus which is Equifax, XXXX, XXXX. Included in those letters were a copy of my social security number, state issued ID which verify my residence. I demand that those credit bureaus provide all original documents by mail which I have yet to receive documents from any of these bureaus or collectors. Theyve notified me that disputes were open and will be investigated. The 30 days has expired at this point. Another problem with that is that theyve updated accounts without providing those documents and without my permission. Never received an option to opt in or out of reporting to my credit report which is required by law. Theyre reporting false, inaccurate and unverified information on my credit report. This is in violation with the FCRA. Per violation allow me to recover up {$1000.00} in statutory damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: PA

Complaint narrative:
I am filing this complaint because my credit report contains inaccurate and unauthorized items that I did not open, authorize, or benefit from. These accounts and inquiries do not belong to me and are negatively impacting my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal permanently limited my account on XX/XX/2025 without any warning or clear explanation. I used the account to receive payments from legitimate customers via my online store and livestreaming sessions. All orders were fulfilled, tracking was uploaded promptly, and I had no disputes or chargebacks.

I contacted PayPal support multiple times through their message center and asked why my account was limited, which specific policy I violated, and whether I could appeal the decision. Every time, I received a generic response saying that they can not provide details and the decision is final and can not be appealed. No clear reason or opportunity to resolve the issue was offered.

As a result, I lost access to my business income and can not retrieve the balance for up to 180 days. This has caused serious disruption to my small business.

I am requesting CFPBs help to either get a clear explanation of the alleged violation or have my account reinstated. I believe PayPal should be held accountable for such opaque and irreversible actions against users.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
A person trying to sell their puppy that was only a few hours away from my home. They ask for a deposit because they had people texting then about the puppy that I was sure I was going to buy. I sent the money and they seemed genuine about the puppy and they had been texting me for days ensuring this was legit. They had sent me lots of videos and pictures of the puppy and in the same home which made it more legitimate. They ended up blocking me the day before I was going to get the puppy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made a dispute on XXXX of 2025 for {$130.00} dollars In the dispute I stated I ordered prestige piece of art which was never delivered to me and was actually sent back to the sender I was contacted to submit proof and evidence of the matter I complied and sent the proof Weeks later citi bank refused to acknowledge the evidence n put my account in overdraft having negative money which was weird because the letter they sent me explaining they disagreement was in fact flawed as I was in the right the XXXX evidence Citi provided stated THE PACKAGE WAS SUCCESSFULLY RETURNED/DELIVERED TO ITS ORRIGINAL SENDER I send numerous emails after even went and asked for help from a Citi employee in the branch in XXXX still no help or returned of my funds

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 2025-07-07 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: TX

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 2025-07-07 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/year>, the IRS mailed a check to my business, XXXX XXXX XXXX XXXX XXXX XXXX, in the amount of {$180000.00}. I deposited this check with Bank of America on XX/XX/year> into my business checking account ( # XXXX ). 
Shortly after depositing the check, Bank of America restricted my account without notice, citing the need for an investigation. Over the course of the following year, they continued to withhold access to my business funds and gave me contradictory information every time I followed up. After nearly a full year, they closed the account without providing any explanation or evidence of wrongdoing and claimed the funds were returned to the IRS. 
I contacted the IRS, and they confirmed that they have no record of receiving any returned funds related to this check. Therefore, either : Bank of America is still holding the funds, or They sent the funds somewhere else and are now misrepresenting their actions. 
I have been repeatedly given the runaround phone representatives instruct me to visit a branch, and branch employees tell me to call corporate. When I do go in person, Im told I need to provide proof of ownership, which I have done, yet my case is never properly reviewed or resolved. It has now been two years since the deposit, and Bank of America has failed to return the money to either me or the IRS.

This situation has caused extreme hardship and harmed my business. I am requesting immediate action and a full investigation into : 1. Where the funds are.

2. When and where they were allegedly returned.

3. All documentation supporting Bank of America 's handling of the funds.

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 2025-07-07 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: NM

Complaint narrative:
I am submitting this formal complaint against PayPal regarding the recent and abrupt closure of my account, along with the poor and unhelpful customer service I received in attempting to resolve the matter. 
On XX/XX/year>, I received an email from PayPal stating that my account was permanently limited due to " activity inconsistent with their User Agreement. '' The message further stated that PayPal would no longer provide me with services, and that any funds in my account would be held for 180 days ( luckily, I didnt keep money in my PayPal account ). It also informed me that I would no longer be able to remove my linked bank or credit card information, nor could I use it to create a new account.

I immediately contacted PayPals customer service to gain clarification on the specific activity that led to this decision. I was told that they could not provide any additional information due to " security reasons '' and that there was no option to speak with a supervisor or escalate the issue.

I believe this lack of transparency and refusal to provide a valid explanation is unfair and unacceptable. As a consumer, I deserve to know what actions or behaviors allegedly violated their policy, especially when they result in my account being closed.

Furthermore, I object to PayPals refusal to allow me to remove my personal banking and credit card information. I did not consent to the continued storage of this sensitive financial data once I am no longer able to use their service.

I am requesting the following resolution : 1. A clear explanation of the specific reason ( s ) for the account closure.

2. Immediate removal of my linked credit card and banking information from PayPals system.

I have been a PayPal user in good standing for years and am extremely disappointed with the lack of customer service, transparency, and respect for my data rights. I hope the CFPB can help resolve this matter in a fair and timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NC

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( 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 and XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), a personal credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and XXXX student loans account opened at XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX with a balance of $ ( XXXX ) and $ ( XXXX ). Inquiries consisting of Legendary Automotive, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 US 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 non-monetary relief
Consumer complaint received 2025-07-07 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: NV

Complaint narrative:
Its still on report and inquiries need to be removed, updated accounts need to be deleted. My name and address need to be updated. was also a data brench with my account information given out.

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 2025-07-07 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: NC

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 explanation
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
I was a victim of identity theft, and I am requesting that fraudulent information be removed from my credit report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to act swiftly and remove fraudulent accounts within 4 business days upon receipt of this request. Some of the disputed items are completely unknown to me, while others have been successfully removed by other credit bureaus, raising concerns regarding their accuracy and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-07-07 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax reporting agency, block information appearing on my consumer credit report that is the result in identity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate and false information consist of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent reporting to my consumer FICO credit report. I have attached a list of the fraudulent accounts as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, chargeoffs as reported. The aforementioned accounts and chargeoffs appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts and chargeoffs are a result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, chargeoffs are the result of identity theft and fraud

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

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NC

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

Company response to consumer: Closed with non-monetary relief