vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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:
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 2025-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I sent them a letter on XX/XX/year> requesting that they validate the letter as i was XXXX aware of this account being opened in my name as i was out of the country for over 5 years. I have received numerous calls from numbers that my phone does not identify as a robo caller not to mention once i received a full credit report and asked for validation of debt i have been flooded with calls at least XXXX calls a day at different hours from as early as XXXX to as late as XXXX. i have told them numerous times to send me communications via mail or email. I have yet to receive anything except for a bill however this doesnt validate it is my debt nor can they validate i was the one that opened this account as i know i was not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
It was stated on the credit report that the original balance we {$7600.00}. The balance as of XX/XX/year> is reporting {$9200.00}. No action has been taken be me but the company has made attempts to sue me and has taken {$37.00} from an account ( XXXX XXXX ) where my underaged daughter is the account holder but my name is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/year>, there was a {$220.00} transaction in pending status on my Chase checking account. That money was included in my available balance total. According to Chase website message under available balance. 

The amount of money in your account that you can use right now. You can find this balance on receipts you receive at ATMs, from a banker at a branch, at chase.com or in the Chase Mobile app. 

I called Chase on XX/XX/year> to confirm the transaction and available balance and to get details about the transaction. They confirmed and only could tell me it was under Hotels, Motels, and Lodging. 

I spent the money because it was under available balance. 

On XX/XX/year>, my available balance was - {$150.00} and I will be subject to overdraft fees. The XX/XX/year> transaction is gone and out the system. 

Chase maintains that they have no control over a vendor-retracted credit, but they had that balance included in my available balance and they do own that. The vendor was XXXX XXXX XXXX XXXX, XXXX XXXX XXXX but they are not at the issue. 

I've included the language from their website about available balances. 

I wish to have Chase Bank, N.A. do the following : 1 ) Reimburse the original {$220.00}. 
2 ) Waive all overdraft fees 3 ) Include a separate balance that is different from available that does not include pending items and/or include language that stipulates pending items may not truly be available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TN

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 2025-10-21 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
XXXX yeats in a row they have added past year and new XXXX XXXX tax on my escrow. 4 months every week last year until it was fixed. This year a month straight every week. You can plainly see the mistake yet do not correct. Freedom Mortgage

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 2025-10-21 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:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$470.00} INQUIRIES : XXXX XXXX XX/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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I got an email from Santander that they are reviewing application to open a Simply Right Checking account. I contacted their fraud department at XXXX. I was told they see me in their system. I was able to finally talk with XXXX who said she was from the Fraud department and a supervisor. She Stated that I don't have any accounts open or applications in progress that she can verify. I asked for a call reference number or her ID and was told that none can be provided. 
How is it allowed for a bank not to give any reference for a call regarding possible fraud? 
If something happens the bank can simply say I never called and there is no way I can prove they were aware?

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 2025-10-21 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: IN

Complaint narrative:
I do not recognize these inquiries on my credit report I have asked for them to be removed and the bureaus did not do as I have asked .I am requesting them to be removed because they are inaccurate and not mine. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-10-21 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-21 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am formally complaining about PayPal, XXXX for locking my XXXX funds in my verified account, declining most purchases, and refusing outflows-no explanation, no notice-for XXXX weeks now. Starting around XX/XX/XXXX, transactions got declined despite full verification : customer service sends a one-time code to my on-file number, I enter it correctly every time, yet approvals flip-flop-sometimes work, mostly fail. Now nothing goes through, including withdrawals. Reps repeat security but offer XXXX details on fraud flags or holds. I've already demanded-in calls and emails-they disclose reasons under the Electronic Fund Transfer Act 's ten-day rule ; they ignored me. The only response I get is that the system is not letting us. I would like to mentioned in XXXX of the calls the rep has already confirmed that i have my most recent ID uploaded and verified as well, also this account has been opened and been operating since 2019, all former and current addresses are all on file, there should be no reason as to why they are holding me up from making purchases or moving my XXXX out of the wallet, This violates XXXX 's Section 909, requiring prompt error notices and resolutions, and 12 CFR Part 1005, mandating clear disclosures before fund holds. It also breaches the Consumer Financial Protection Act 's ban on unfair practices-freezing money without transparency or timely release is deceptive and harmful. 
Numerous purchase attempts made to purchase on coinbase app using Paypal as payment method. Most fail but sometimes it will go thru. 
Stuck funds : approximately XXXX XXXX. Dates of failed attempts : everyday for the last XXXX weeks, most transactions and XXXX  sends will get denied but sometimes they slip thru cracks and go thru. 
Please investigate and force them to unlock, explain, and compensate any losses. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX complaint is not made in error neither is it being made by a third party. 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.

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 2025-10-21 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: NC

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within XXXX  days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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 2025-10-21 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: AZ

Complaint narrative:
Comply with the law by ensuring timely deletion of disputed accounts.

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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: IL

Complaint narrative:
I am filing a complaint against E * TRADE / Morgan Stanley because they are blocking me from withdrawing the remaining funds from my checking account ( account number ending in XXXX ) and preventing me from closing the account. Despite multiple attempts to contact their customer service, I have not received a satisfactory explanation or resolution. This is restricting access to my own money and causing unnecessary stress and inconvenience. I request that the CFPB investigate this matter and require E * TRADE / Morgan Stanley to immediately release the remaining balance and allow me to close the account as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
As of XX/XX/XXXX till present XX/XX/XXXX I haven't received my close check in the amount of {$280.00} its been over the 90 day threshold without any response from the Citi Bank in regards to the procurement of my funds, not giving a reason for delay, & blockage, only a unacceptable unprofessional nonresponse. I've constantly contacted The Supervision there only to get the same runaround about the back office not responding to the close check that I never received, no notice on status of a investigation nor a time frame when this utter will officially be resolved I. Accordance to the Ledger of Law Good Faith policy is a principle, often applied to legal duties in contracts & other Legal contexts that requires parties to act with honesty, fairness, and sincerity in their dealings it mandates an absence of intent to defraud, manipulate, or take unfair advantage of the other party in which Citi Bank has cleary established violations for last there of honoring time constraints, none responsiveness, and proper respect for the law and CFPB establishments. Im requesting a expedition of funds accredited, also no response to a official investigation as to why I haven't received my money. Thank 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 monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
In XX/XX/year>, I purchased XXXX wigs from a seller and later returned them via XXXX to the address provided by the seller. 

Tracking number : XXXX The XXXX tracking shows the package has been available for pickup/ will be delivered next business day since XXXX, but the seller never picked up the package. 

I filed a dispute with PayPal, but the case was closed in the sellers favor despite me fulfilling my return obligations. I provided tracking and proof of shipment to PayPal, but they did not reopen the dispute. 

I am requesting CFPB assistance because I returned the items as required, yet I have not received my refund and the seller did not retrieve the package. I am out both the items and the money paid.

Company response to consumer: Closed with explanation