vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Hello, The Venmo credit card through Synchrony Bank only allows payments through the Venmo App. When I attempted to pay the bill while I was on vacation ( outside of the country ), I couldn't access the app. After a few email communications, Venmo indicated I must be inside the United States to use the App. They would not allow me to pay the bill any other way. I had my daughter pay the bill, but this seems very wrong. I was not trying to use the card for purchases outside of the US, just pay my bill.

Once I was home, I tried to sign up for auto-pay, but this is not an option they offer. It seems they are setting their customers up for late fees and late payments. I would cancel the card, but this would hurt my credit score. Plus, it wouldn't help other people in the same situation.

Thanks!

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 2025-02-14 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
State: CA

Complaint narrative:
I am filing this complaint against PayPal for unjustifiably withholding my funds and restricting my ability to withdraw money from my account. My account is in good standing, and there are no disputes, chargebacks, or security concerns that warrant this hold. 

On XX/XX/XXXX, I transferred {$16000.00} from one PayPal account to another PayPal account. PayPal charged a {$490.00} fee, which I immediately refunded thinking I would get the fee returned as well, but did not, resulting in a loss. The funds were finally returned to the original PayPal account on XX/XX/XXXX. On the same day, upon attempting to transfer these funds to the registered and verified bank account, PayPal blocked the transaction citing vague " security concerns '' and instructed me to " let the system cool down. '' Even smaller amounts were denied, contradicting their claim that only high amounts would be flagged. I was told to wait XXXX hours, which I have, and still I can not transfer my funds. 

PayPals lack of transparency and refusal to process legitimate withdrawals without providing clear reasons violate basic consumer rights and potentially their own User Agreement. This situation has caused me significant inconvenience and financial loss.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-14 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: MI

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX resources was paid off XXXX/XXXX/25 Ive asked for this to be updated but still shows as a debt. Ive tried countless times to dispute and no luck I want this corrected immediately as they are displaying inaccurate false information. I have proof it was paid Ive tried correcting so much with them but they act like youre lying but Im not they are just a very badly ran company.

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 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-14 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: IA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-14 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: TN

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : XXXX XX/XX/scrub>/24 XXXXXX/XX/XXXX XXXX/XXXX/24

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 2025-02-14 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: NY

Complaint narrative:
I am writing to formally address a serious matter regarding the unauthorized and fraudulent use of my identity. It has come to my attention that an account has been opened in my name without my consent or knowledge. I would like to make it clear that I did not authorize this account, nor did I participate in any way in the creation or use of it. This is a clear case of identity theft, and I take this breach of my personal information extremely seriously.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-14 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: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
An almost XXXX hold was placed on ACH Funds that were confirmed by the sending institution to be received. The card company then told me of my situation and freed {$250.00} of my full {$1000.00} Payment which I was able to use for medical expenses and bills. They refuse to release anymore and say they can't do it even though they did it before. I took a specific medication and had appointments I couldn't pay for because the company decided that they would not do what any major card company can do including what they themselves did for me. My question is how can they say that the funds are still processing when they aren't even pending and when the bank confirmed they received this payment? I had also made payments before with no issues so I'm confused and honestly physically and mentally distressed at the lack of XXXXXXXX XXXX XXXX  practice this bank commits. Whos is gon na pay me for lost time at work, or the stress hurting my condition even more? This company doesn't care and seems like they punish responsible payers for not having interest due to paying off the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have a few items on my account that is charged off with a XXXX balance and it hasn't been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: IN

Complaint narrative:
I am writing to formally dispute the reporting of Account Number XXXX on my credit report. As per 15 U.S. Code 1681s2, a person shall not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX has repeatedly reported false, misleading, and inaccurate information regarding this account, despite multiple dispute attempts on my end. 


I have repeatedly disputed this information, yet XXXX XXXX XXXX XXXX has continued to furnish knowingly inaccurate data to the credit bureaus. 
Failure to correct inaccurate information after being notified constitutes willful non-compliance with 15 U.S.C. 1681s-2 ( b ) and subjects XXXX XXXX XXXX XXXX XXXX XXXX liability. 

Immediate Action Demanded : Immediately cease furnishing inaccurate information to any credit reporting agencies ( Experian, XXXX, XXXX ). 
Remove this account entirely from my credit report due to repeated violations of the FCRA. 
Provide written confirmation of the removal within 15 days of receiving this letter. 
Cease and desist all further reporting of this inaccurate information to consumer reporting agencies. 
Failure to comply will result in legal action against XXXX XXXX XXXX XXXX for FCRA violations, including but not limited to : Willful non-compliance with 15 U.S.C. 1681s-2 Knowingly furnishing false information to credit bureaus Defamation of credit character Damage to my creditworthiness due to misreporting If corrective action is not taken I will escalate this matter to the the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I will pursue legal remedies for damages incurred due to your unlawful reporting practices. 

This letter serves as final notice before legal action is taken. I expect full compliance 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 2025-02-14 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: IN

Complaint narrative:
I am writing to formally dispute the reporting of Account Number XXXX on my credit report. As per 15 U.S. Code 1681s2, a person shall not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX has repeatedly reported false, misleading, and inaccurate information regarding this account, despite multiple dispute attempts on my end. 


I have repeatedly disputed this information, yet XXXX XXXX XXXX XXXX has continued to furnish knowingly inaccurate data to the credit bureaus. 
Failure to correct inaccurate information after being notified constitutes willful non-compliance with 15 U.S.C. 1681s-2 ( b ) and subjects XXXX XXXX XXXX XXXX to legal liability. 

Immediate Action Demanded : Immediately cease furnishing inaccurate information to any credit reporting agencies ( XXXX, XXXX, TransUnion ). 
Remove this account entirely from my credit report due to repeated violations of the FCRA. 
Provide written confirmation of the removal within 15 days of receiving this letter. 
Cease and desist all further reporting of this inaccurate information to consumer reporting agencies. 
Failure to comply will result in legal action against XXXX XXXX XXXX XXXX for FCRA violations, including but not limited to : Willful non-compliance with 15 U.S.C. 1681s-2 Knowingly furnishing false information to credit bureaus Defamation of credit character Damage to my creditworthiness due to misreporting If corrective action is not taken I will escalate this matter to the the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I will pursue legal remedies for damages incurred due to your unlawful reporting practices. 

This letter serves as final notice before legal action is taken. I expect full compliance 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 non-monetary relief
Consumer complaint received 2025-02-14 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: IN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
Subject : Request for Debt Validation and Contractual Proof Dear Exeter finance llc, I am writing in response to any alleged financial obligation you claim I owe. I am willing to settle any lawful debt for which I am legally responsible ; however, before proceeding, I require proper validation of the debt as required by law. 

Specifically, I request : 1. A signed invoice that details the actual accounting and verification of the amount claimed.

2. A copy of the contract that legally binds both partiesyour company and myselfdemonstrating mutual agreement and obligation.

As you are aware, a legally binding contract requires the following elements : Full disclosure Equal consideration Lawfully terms and conditions The signature of both parties Until you provide the requested validation, I do not acknowledge any obligation to pay. If you are unable to furnish these documents, I request that any claim be withdrawn and that my credit record remains unaffected. 
Please provide the requested documentation within 30 business days from the date you receive this letter other wise I will consider this debt fully discharged and off my credit report or I will take legal actions Sincerely, XXXX XXXX XXXX XXXX this is what I sent to Exeter finance and I still havent received this information and I want it discharged if they cant provide me this information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have been asking to update my credit rebort since XX/XX/XXXX and that dos not happend yet and this problem effect my life seriously and but me in pad saturation It is showing high usage but i did payed it off from more than 2 month ago

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