vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I have recently sent XXXX XXXX documents to block and remove items on my report. They have failed to remove the inquiries on my report. The inquiries are attached to this compliant and I want them removed under law their should be removed within 4 days. The Inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-20 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: LA

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On Monday, XX/XX/2025, I deposited USD $ into my PayPal business account directly from my verified linked bank account, under the impression that the transfer would happen immediately. However, upon initiating the transfer, I was hit with a funds pending availability status until the settlement date of XX/XX/2025, the following Friday. However, the very next day, Tuesday, XX/XX/2025, I received notification from my bank that the funds had been sent and received, and they issued me a finalized transaction #. Come Wednesday, XX/XX/2025, I contacted PayPal to ask why my funds were still pending, and was told that they were pending because the " Federal Reserve '' had not released them to PayPal yet. I found this odd, so I did a little research and learned about the XXXX and XXXX regulatory rules and law. I then cross referenced the transaction # issued by my banking institution with the Fed XXXX who was able to confirm it. Which, the Federal Reserve can only do if the money has been received by the receiving account or institution, in this case PayPal. Now, according to XXXX, if the funds were received prior to XXXX of the day before the settlement date, the funds have to be released no later than XXXX on the settlement date. However, if received even earlier, say on the XXXX before XXXX, they don't have to release the funds until XXXX on the XXXX, the date of settlement. However, on XX/XX/2025, the day of settlement, as PayPal has had in their possession the funds since before XXXX of Wednesday the XXXX of XXXXXXXX XXXX PayPal XXXX to change their " settlement '' date from XX/XX/XXXX to XX/XX/2025, and keeping my transaction on the PayPal XXXX as " pending, '' rather than releasing my funds that PayPal has already had in their possession for 2 days now, confirmed by both my banking institution and the Federal Reserve XXXX This is an illegal practice, it's fraudulent, deceptive, and they can not and have not provided any clear or justifiable reasoning for the change in the settlement and why my transaction is still " pending. '' Nor, will they acknowledge that they have received the funds, even though it's been verified, has a tracking number, and can be looked up rather easily. This also violates several XXXX rules, policies, and regulations, as well as XXXX rules, laws, and regulations. All I want are my funds to be released to my account so that I XXXX have access to them. Why PayPal is holding my funds under a " pending '' status while blaming the Federal Reserve and or claiming it's a " grievance '' process, as if they're mourning my money, is completely ridiculous, absurd, and in no way justifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a business checking account with Bank of America. There were XXXX transactions of XXXX that were paid from my account on XX/XX/year> and XX/XX/year>. I called the bank and was told they were paid to XXXX bank. 

I was told to full out a form which I did expecting to have my money refunded. I also called XXXX and they werent able to find anything as I had no contact with them. 

After weeks of calling BOA which turned into months and getting transferred and getting wrong information. I even went to a few branches then I was told that I should have reported it within XXXX hours in order to get my money back.

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 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-20 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety while damaging my creditworthiness and financial standing. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft. The continued presence of these disputed items violates my rights under the Fair Credit Reporting Act and demonstrates a failure to properly investigate and verify the accuracy of the information being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: PA

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-06-20 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: FL

Complaint narrative:
I have sent various dispute letters wanting items verified, updated etc this is ongoing for over a 1year. I have ask for old info like address, names and employer.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent various dispute letters wanting items verified, updated etc this is ongoing for over a 1year. I have ask for old info like address, names and employer.

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 2025-06-20 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: MI

Complaint narrative:
I am writing to formally dispute inaccurate information that is currently being reported on my credit report. Upon reviewing my credit file, I identified information that is not accurate and has been reported without my consent. This inaccurate reporting has had a serious and detrimental impact on both my credit standing and my personal life. 

Reporting false or inaccurate information without authorization is a violation of federal law. I am requesting that this matter be fully investigated and resolved immediately. Furthermore, I expect this erroneous information to be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please provide me with written confirmation of the outcome and resolution of this dispute within the time frame required by 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 2025-06-20 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: AE

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-06-20 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: PA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-20 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am submitting this complaint against Capital One Bank USA NA for violating the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( a ) ( XXXX ), 15 U.S.C. 1681c, by illegally re-aggregating multiple charged-off accounts on my credit report. These accounts continue to be updated and reported as derogatory beyond the allowable XXXX period from the original date of delinquency. Details below : * XXXX. Account Number ( partial ) : XXXX Original Delinquency Date : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$480.00} * XXXX. Account Number ( partial ) : XXXX Original Delinquency Date : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$1900.0XXXX XXXX  XXXX. Account Number ( partial ) : XXXX Original Delinquency Date : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$190.00} These accounts have not only exceeded the XXXX reporting limit based on their original dates of delinquency, but they were also updated or re-aged with recent dates to appear as newer derogatory entries. This practice is deceptive and non-compliant with federal law. 

I have attached my XXXX  credit report dated XX/XX/XXXX, as supporting documentation that clearly outlines the account histories and reporting dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MO

Complaint narrative:
Sent identity theft report and letter asking for all information on this account no response but everything been verified and reporting to credit bureau that I owe this no paperwork at all of everything I ask for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
The presence of this inquiry is damaging to my credit profile and does not reflect any authorized activity. I respectfully request its removal in accordance with my rights under the Fair Credit Reporting Act. Please confirm in writing once the inquiry has been deleted or provide verifiable proof of my authorization if you believe it to be legitimate.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-06-20 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: IL

Complaint narrative:
I am reporting identity theft and a data breach involving XXXX and XXXXXXXX XXXX XXXX XXXX  that I did not apply for, authorize, or open. These unauthorized accounts are fraudulently reporting on my personal credit file. Ive attached my FTC Identity Theft Report and data breach letter. Under 15 U.S.C. 1681c-2 ( a ), 1681s-2 ( a ) ( 6 ), and 1681i ( a ), this is not a routine dispute and must not be treated as such. Do not handle this as a dispute. TransUnion failed to conduct a lawful reinvestigation and relied on generic verified responses. FCRA requires that identity theft accounts be blocked within 4 business days after receipt of proper documentation. I am requesting full and permanent removal, as required by 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 non-monetary relief
Consumer complaint received 2025-06-20 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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
Given that this inquiry was not approved by me, I am requesting that it be removed immediately. I would appreciate a thorough review of this matter and expect a response that includes documentation of your findings and confirmation of the removal if the inquiry is found to be invalid.

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 2025-06-20 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: FL

Complaint narrative:
Since this late payment does not fairly represent my payment history, I ask that it be immediately removed from my account. I've always paid on time, so this inaccurate entry is unjust. Kindly make the appropriate updates to my 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