vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: MD

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A payment was made on XX/XX/year>, as full satisfaction of a vehicle loan pursuant to a formal Accord and Satisfaction agreement under federal law ( 12 U.S.C. 411 ). The lender processed and accepted the payment without objection, thereby discharging the debt under established commercial law.

Multiple notices were sent to the company requesting acknowledgment of discharge, lien release, and closure of the account. These notices were sent by certified mail and received. Despite this, the lender failed to release the electronic lien and later issued a written threat of repossession dated XX/XX/year>. 
The vehicle has since been conveyed to a private trust, and a UCC-1 and UCC-3 have been properly filed and recorded, perfecting the trusts legal interest in the property. The lender continues to appear as lienholder in state title records, refusing to authorize release, while asserting a balance that was already settled by lawful means.

This situation now prevents lawful access to the vehicles title and has created an administrative burden and potential for unlawful repossession of trust property. A cease-and-desist was also previously issued by the lender in XX/XX/year>, contradicting their continued attempts at enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint against PayPal , Inc. regarding an excessive and unjustified hold they have placed on the funds in my account.

I have maintained a PayPal business account under the email XXXX for nearly two years. Over that time, I have had a consistent history of compliant and professional use, with only two chargebacks totaling just {$70.00}. Despite this, PayPal recently placed a permanent limitation on my account and is now holding {$2900.00} for 180 days.

PayPal cited a violation of their Acceptable Use Policy as the reason for the limitation, but I have not engaged in any fraudulent or deceptive practices. There have been no unresolved disputes or open investigations linked to my account. I submitted an appeal through their internal process, but it was denied without a clear explanation or opportunity to dispute specific claims.

While I have accepted that my account will no longer be active and have since moved my business to another payment provider, I strongly disagree with PayPals decision to hold almost {$3000.00} of my own money for half a year. This amount is not connected to any customer issue, and my account history clearly does not indicate a high-risk profile.

I believe this blanket 180-day hold policyespecially when applied to accounts with minimal chargebacks and no fraudis unreasonable, unfair, and possibly an abuse of policy. It causes real financial harm, particularly to small business owners who depend on timely access to their funds.

I am requesting the Consumer Financial Protection Bureau investigate PayPals fund-holding policies and practices to determine whether they are in alignment with federal consumer protection laws. Furthermore, I am seeking your assistance in having the {$2900.00} currently being held by PayPal released to me immediately.

Thank you for your time and attention to this matter. I am happy to provide supporting documents and evidence of my account history upon request. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
I am a victim of identity theft, and Im honestly overwhelmed. I recently found out that two inquiries were made under my name without my knowledge or consent, and its terrifying. I have never felt so vulnerable. Im asking, please, that these two unauthorized inquiries be BLOCKED or REMOVED immediately to prevent any further harm. Unauthorized inquiries : XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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 a victim of identity theft, and Im honestly overwhelmed. I recently found out that two inquiries were made under my name without my knowledge or consent, and its terrifying. I have never felt so vulnerable. Im asking, please, that these two unauthorized inquiries be BLOCKED or REMOVED immediately to prevent any further harm. Unauthorized inquiries : XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX inquired on XX/XX/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 2025-06-10 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-10 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
I was recently denied a new bank account by XXXXXXXX XXXX  on XX/XX/XXXX. They stated that the denial was due to negative information from my ChexSystems report. I immediately obtained a full consumer disclosure from ChexSystems and discovered several accounts listed under my name that I do not recognize and never authorized. 

These include accounts allegedly tied to : XXXX XXXX  XXXX ( Closure Date : XX/XX/XXXX, {$220.00}, status : unpaid ) XXXX XXXX XXXXXXXX ( Closure Date : XX/XX/XXXX, {$250.00}, status : paid in full ) XXXX XXXXXXXX ( reported but no amount or closure status listed ) These accounts were reported for non-sufficient funds and account abuse. I have no knowledge of these accounts and did not open or authorize them. I also contacted XXXX XXXX XXXXXXXX and XXXX XXXX directly, and they were unable to verify or validate any relationship with me or these reported accounts. 

I sent a formal dispute to ChexSystems on XX/XX/XXXX, requesting investigation and deletion under FCRA 1681i. I informed them that these entries are either erroneous, fraudulent, or resulting from identity theft or a mixed file. I also cited that under FCRA 1681s-2 ( a ), furnishers must not report inaccurate or unverifiable information, and ChexSystems is obligated to delete unverifiable entries.

As of today, I have not received a valid resolution. These unverified accounts are negatively affecting my ability to open banking services and must be immediately removed per 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 2025-06-11 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
Please proceed with blocking and removing the unauthorized accounts currently appearing on my credit report. I did not initiate these accounts and have no knowledge of where they came from. Under USC 1681g, I am requesting their removal within the next 15 days. Ive included the necessary documents for your review. Additionally, the information reported about these accounts varies and is inconsistent across the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-06-10 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: AL

Complaint narrative:
To whom it may concern at Consumer Protection Bureau, I am writing to file a complaint against Paypal for unfair business practices on XXXX XXXX, 2025 I received an email from PayPal that my sum of XXXX $ would be seized for 120 days which I should be able to access by XXXX XX/XX/year>2025. On XXXX of XXXX, I was expecting my money to be ready for withdrawal according to Paypal policy. I waited for additional weeks and yet I didn't receive any email for being eligible to withdraw my money. 

Despite my efforts to resolve the issue with Paypal, the problem persists and till now, I am still unable to get my money out of the platform. I believe Paypal 's action constitute a breach of consumer protection laws and regulations. 

I request your assistance in resolving this matter. Please investigate and take necessary actions to protect my consumer rights. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
Dear Sir or Madam, Synchrony CareCredit account ending in XXXX has been charging me 32.99 % IINTEREST for years. 

When I submitted my last payment Synchrony CareCredit account ending in XXXX rejected it & charged me another set of FEES. 

My bank statement demonstrates that the funds were present for the final payment. 

I believe Synchrony CareCredit account ending in XXXX is conducting FRAUD and BAD BUSINESS by not accepting my final payment from XXXX XXXX. 

Please help me stop the ENDLESS FEES! -Best regards, 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 2025-06-10 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: SC

Complaint narrative:
I am filing a formal complaint against Equifax and the furnisher XXXX XXXX XXXX for the inaccurate and inconsistent reporting of payment history on my credit file. This violation directly conflicts with the Fair Credit Reporting Act ( FCRA ) Sections 602 ( A ) and 623, which require consumer reporting agencies and furnishers to report with the maximum possible accuracy. 

According to my Equifax report, XXXX XXXX XXXXXXXX is reporting that I " pay my account as agreed, '' and there is no outstanding balance or past-due amount. However, the payment history shows a 30-day late payment in XXXX XXXX every month before and after is marked on-time, from XXXX through XXXX. 

This single derogatory mark : Is inconsistent with the current status of the account ( " Pays as agreed '' ) ; Appears to have no follow-up delinquency or pattern to support it ; Has not been updated or verified since XX/XX/XXXX, and may be outdated, inaccurate, or unverifiable. 

This payment history is misleading and does not accurately reflect the condition or performance of the account. If Im paying as agreed and have a perfect history before and after this alleged delinquency, the 30-day late in XX/XX/XXXX should either be proven with supporting documentationor removed entirely. 

I am demanding : An immediate investigation into the validity and accuracy of the 30-day late mark. 

The removal of the XX/XX/XXXX late payment if it can not be fully verified with timestamped, documented proof from the original creditor. 

Correction of the account to reflect the true payment history as the current status indicates ongoing timely payments. 

I am attaching a screenshot of the accounts payment history showing this clear inconsistency. 

This derogatory mark is causing harm to my credit standing and is being reported in bad faith or with negligent inaccuracy. 

Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NJ

Complaint narrative:
This report is being submitted to address inaccuracies on my credit report. Equifax has verified that a system malfunction caused my personal information to be leaked and subsequently used without my consent. I have faced denial of credit because of this, and I am requesting prompt resolution within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/year> TransUnion

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 2025-06-11 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Several companies accessed my credit report without authorization, harming my credit and score. Despite assurances from the credit agency, these unauthorized and potentially fraudulent inquiries remain. This raises serious identity theft concerns and continues to cause significant stress and financial damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-10 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-10 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: MD

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
Please remove XXXX XXXX XXXX from my credit reports this account is fraudulent, my identity was used to open this account, it was open with out my permission and I want it removed, I did not open this account, this account originally belongs to XXXX XXXX XXXX Im notifying both companies that they have used my identity and trying to get me to pay this account when its not mine, if this is not removed I will file a law suite against XXXX XXXX XXXX  and XXXX XXXX XXXX  I want this off my credit report I am a victim of identity Equifax had a massive data breach my information was exposed and used, remove this account asap its a fraudulent 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