vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: UT

Complaint narrative:
Hello, My name is XXXX XXXX, and I am reaching out regarding the treatment I have experienced with my XXXX  account. I have been attempting to resolve this matter privately, but I am becoming increasingly concerned with the lack of transparency and communication. 
I am a content creator, and I recently received a {$650.00} payment for a braiding service. Immediately after that transaction, my account was permanently frozen. I promptly provided all documentation that XXXX requested ; however, I was later informed that my funds will be held for 180 days, without a clear explanation or resolution timeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: NV

Complaint narrative:
My debit card, phone and identity was lost/stolen and there are over {$7000.00} in unauthorized out-of-state transactions using financial-aid funds. I filed a police report. XXXX denied my claim in XXXX  days without completing a full Regulation E investigation..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Even though the account was settled completely, it still reflects late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal is currently reporting inaccurate and impossible payment information on my closed credit card account. According to the credit bureaus, the account was closed by Navy Federal on XX/XX/XXXX, and was later charged off in XXXX. However, Navy Federal is reporting late payments and derogatory statuses for XXXX, XXXX, and XXXX, which is factually incorrect and should not be occurring long after the account was closed, with no further activity possible. 
A closed and charged-off account can not continue to generate new late payments or new 120-day delinquency statuses. This reporting is factually incorrect and violates : FCRA 607 ( b ) information must be reported with maximum possible accuracy FCRA 623 ( a ) ( 1 ) furnishers may not report information they know or should know is inaccurate FCRA 623 ( a ) ( 2 ) furnishers must correct and update incorrect or incomplete information My dispute through the credit bureaus was met with Navy Federal 's verification of the inaccurate reporting, without any correction. The payment history they are furnishing not only contradicts the closure date and includes delinquencies after charge-off, but also displays inconsistent remarks across bureaus, further adding to the confusion and inaccuracy.

Because these errors are impossible and harmful to my credit, I am requesting CFPB assistance to require Navy Federal to either ( 1 ) remove the inaccurate payment history or ( 2 ) delete the entire account if accurate records can not be verified. 

I am attaching screenshots showing the incorrect reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: RI

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-11-14 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX & XXXX. 
Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ) .. Their refusal to comply continues to cause harm to my creditworthiness and financial well being. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 2025-11-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this correspondence once again to express my deep concern over information that remains inaccurately reported on my credit file. This marks my fifth formal attempt to have these matters fully investigated and resolved. Despite my previous correspondence and submission of supporting documentation, certain accounts continue to reflect incomplete, inaccurate, or unverifiable data. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$43000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} It is disheartening to see these same inaccuracies persist, as they continue to distort the accuracy and integrity of my credit profile. These ongoing errors negatively impact my creditworthiness and misrepresent my financial history.

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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
The XXXX XXXX impostor had caused me to have credit card debts for a meeting with him thinking he was real trace. 
He was gon na pay the debt back that he created so he had me open an account with Bank of America. He sent checks in my name, which I thought was his account with my name on his check. 
He had me to deposit check into my account. I didnt know this was fraud I wasnt aware of all this until my bank dropped me because of this and been unable to open up another account because of this restriction. So I had to use on line banking and now another one dropped me, guess because they noted on my account Im bad risk or they think Im a thief I dont know. This the derogative remarks on me needs to be lifted this fake person has cause so much pain in my life. 
Is it possible that you could lift this restriction on my account. 
The real XXXX XXXX XXXX can testify 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 2025-11-14 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: FL

Complaint narrative:
Equifax has misspelled my name and listed several addresses I do not recognize. This information is false and potentially misleading, which may indicate a file mix-up or identity theft. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information contained in my report is accurate and belongs to me.

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 2025-11-14 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: FL

Complaint narrative:
I never opened this account, and its presence on my report 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 2025-11-14 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX & XXXX. 
Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ) .. Their refusal to comply continues to cause harm to my creditworthiness and financial well being. 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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year>, I was a victim of identity theft. Someone illegally accessed my XXXX XXXX account which is tied to my checking account at Regions Bank. They moved money over from my bank to my XXXX XXXX  account and then from there, they took that money and bought bitcoin through XXXX XXXX. Finally, they used that bitcoin that was purchased and sent it to an unknown location/place. They attempted to pull different amounts of money over again & again, countless times, until my checking account was completely empty. 
The full amount stolen was {$2000.00}. I have all of the proof/screenshots of exactly what they did. I barely use my XXXX XXXX  account and know nothing about bitcoin and have never touched it in my life. Regions has refused to help me. I have filed a dispute and then disputed once again with even more proof of fraud Denied. 
I have been a customer of Regions for over 30 years at the same bank. My record is clean. I dont cause problems. I have never had anything like this happen to me before and I can not understand why Regions will not take care of me. Isnt that what theyre for? Arent they supposed to protect us and help us when things like this happen? I am disgusted and I am completely upside down after this money was stolen. I have been trying to play catch-up with my bills ever since. This has set me back tremendously on my bills. I feel disregarded and entirely unvalued. This might not be a lot of money to some people, but to me, it is. 

I have contacted XXXX XXXX, the attorney general, and identity theft credit reporting to the credit bureaus.

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The XXXX account is marked as paid and closed, but continues to display as negative.

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 2025-11-14 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: CA

Complaint narrative:
* * The information reported is inaccurate and unverifiable. Under the Fair Credit Reporting Act, I am requesting correction or deletion according to the following laws : FCRA 602 Consumer rights to fair and accurate reporting FCRA 607 ( b ) Duty to ensure maximum possible accuracy FCRA 609 Right to full disclosure FCRA 611 Duty to reinvestigate disputed information FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report inaccurate information FCRA 623 ( a ) ( 3 ) Duty to report disputes correctly FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Requirement to provide method of verification I have uploaded the documentation. Please review the file and correct or delete all inaccurate information. * *

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 2025-11-14 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: WA

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-14 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: AR

Complaint narrative:
I am submitting this dispute as a consumer who has thoroughly reviewed my credit report and identified inaccurate reporting that is negatively affecting my financial standing. Under the Fair Credit Reporting Act, specifically 1681e ( b ) and 1681i, I have the right to dispute inaccurate information and to have any disputed accounts reinvestigated to ensure maximum possible accuracy. The accounts I am disputing include XXXX XXXXXXXX XXXX XXXX  with a reported balance of {$8400.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$2400.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$36000.00}, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$13000.00}. These accounts are being reported as open with late payments, and I am disputing the accuracy of these late payment notations. Reporting these accounts as late without proper verification is harming my creditworthiness and lowering my credit score, and accurate reporting of their payment history is required under the FCRA to ensure compliance with federal law and to prevent continued damage to my financial profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am submitting this follow-up regarding previously filed disputes concerning multiple inaccuracies and unauthorized inquiries appearing on my credit report. Despite prior submissions and supporting documentation, many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. 

XXXX XX/XX/2025 XXXX XX/XX/2025 XXXX XXXX XX/XX/2025 XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XX/XX/2025 Under FCRA 604, a consumer reporting agency is only permitted to furnish a credit report if there is a legally recognized permissible purpose, such as my application for credit, insurance, employment, or other situations specifically authorized by law. I have never applied for credit or services with the companies listed above, nor have I provided authorization for them to access my credit report. These inquiries are therefore unauthorized and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: WA

Complaint narrative:
I am submitting this follow-up regarding previously filed disputes concerning multiple inaccuracies and unauthorized inquiries appearing on my credit report. Despite prior submissions and supporting documentation, many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. 

XXXX XX/XX/2025 XXXX XX/XX/2025 XXXX XXXX XX/XX/2025 XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XX/XX/2025 Under FCRA 604, a consumer reporting agency is only permitted to furnish a credit report if there is a legally recognized permissible purpose, such as my application for credit, insurance, employment, or other situations specifically authorized by law. I have never applied for credit or services with the companies listed above, nor have I provided authorization for them to access my credit report. These inquiries are therefore unauthorized and unlawful.

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