vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and XXXX be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax 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 non-monetary relief
Consumer complaint received 2025-08-11 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: CO

Complaint narrative:
I receive from Cash app every month a message of overdrawn protection coverage up to {$200.00}, this because I maintain direct deposit from my employer. However, I submitted a payment to my landlord and it was declined. Once I get in touch through the chat in Cash app to Customer Service they were not able to answer the question until like after XXXX minutes of asking the same question once after the other. They have a overdraw coverage message on their app and they send this message to the customers emails and is deceiving almost fraudulent, because it states an overdrawn protection, but this apparently entails only XXXX type of transaction which they dont specify in any of their messages. This is fraudulent marketing. Thanks to this now XXXX have fees from my landlord because the payment was declined. Marketing information should be clear and specific. This situation is bad business!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Experian Information Solutions 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 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 2025-08-11 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: MT

Complaint narrative:
I am filing this complaint rega

rding the unjust and unexplained limitation of my PayPal Business Account. My account had a clean history : zero disputes, zero chargebacks, zero refund claims. We had just begun to scale advertising and started seeing organic growth and sales and immediately after that, PayPal suddenly blocked the account. The reason provided was that my account is " associated with another
account that has violated PayPals policies. '' This is false and baseless. This is the only PayPal account Ive ever operated for this legal entity a newly incorporated U.S.-based business. I have never had any previous accounts or violations.

Furthermore, I suspect PayPal made this assumption based on IP/proxy flags, which is misleading. While my team members may have logged in from different locations ( as is common in remote companies ), that does not imply shared control or ownership with any other account. This is a legitimate business account with legitimate U.S.-based operations.

There were no warning signs, no prior communication, no opportunity to clarify anything just a full and sudden restriction. My funds are now being held without justification.

I am demanding : Immediate investigation and unfreezing of my account A formal explanation with technical evidence of the supposed association Unrestricted access to my legitimate business funds PayPals actions resemble monopolistic abuse and arbitrary restriction of competition something CFPB and U.S. regulators have previously scrutinized. If not addressed, I reserve the right to escalate this further to the Office of the Comptroller of the Currency ( OCC ), the Federal Trade Commission ( FTC ), and state-level Attorneys General, as PayPal operates as a money services business ( MSB ) under federal and state oversight.

I request that this complaint be taken seriously. I am running a legitimate business, and being cut off from my operating capital due to vague and false accusations is damaging and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Harassing me for collection over 7 years that have been charged off with companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My credit report contains an account that was not opened or authorized by me. I have no dealings with the reporting party, and this is a case of fraudulent reporting that must be addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
XX/XX/XXXX Experian, Equifax, and TransUnion RE : Dispute of Incomplete Credit Reporting Due to Account Restriction and Data Breach To Whom It May Concern, My name is XXXX XXXX XXXX XXXX, and I am writing to formally dispute inaccurate and incomplete information being reported on my credit file. My contact details are as follows : XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX The account in question, reported by XXXXXXXX XXXX XXXX as a line of credit with a {$500.00} charge-off, is showing as charged off and written off, but no closure date is listed. This gives the false appearance that the account may still be open, unresolved, or active in some way. Furthermore, this account is connected to a period when I was restricted from accessing my XXXX account. I received notice from XXXX on XX/XX/XXXX, that my account had been restricted due to a negative balance. This was shortly after XXXX experienced a confirmed ransomware attack on XX/XX/XXXX, which compromised member information. As a result of the restriction, I no longer had access to the account to view, manage, or correct any errors. The charge-off appears to have occurred during this restricted period, which raises serious questions about the accuracy of the reporting. Since I could not access the account at the time it was reported as charged off, I was not able to resolve or dispute the matter prior to the reporting. Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter. Please confirm the exact closure date of this account. If you can not verify that the account was correctly closed and reported during a time when I had full access to my banking information, I request that the account be removed entirely from my credit report. Please respond with the results of your reinvestigation in writing within the 30-day timeframe required by law. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: KY

Complaint narrative:
Subject : Urgent Complaint Withholding of Payroll Funds, Emotional & Financial Harm, XXXX Discrimination Concerns To Whom It May Concern, My name is XXXX XXXX XXXX XXXX, and I am filing a formal complaint against Regions Bank for their mishandling of my paycheck deposit, failure to resolve the issue despite repeated contact, and actions that have caused me severe financial, emotional, and physical distress. 

Summary of Events : Date of incident : XX/XX/year> My paycheck was returned to my employer by Regions Bank without my authorization or prior notice. 

Impact on Me : I am XXXX and live on a limited income; withholding my paycheck has caused immediate harm to my ability to buy food, care for my service/support animals, and meet basic living expenses. 

I have experienced severe emotional distress, including panic attacks, inability to sleep, and deterioration of my mental health. 

I have been publicly humiliated and ignored by the banks customer service channels.

I believe the banks actions may violate consumer protection laws, XXXX rights laws, and banking regulations. 
Requested Resolution : Immediate release of my paycheck funds in full.

Written explanation of why my paycheck was returned to my employer without authorization. 

Financial compensation for the emotional distress, mental health impact, and costs incurred as a result of the banks actions.

Review of Regions Banks practices toward XXXX customers to ensure compliance with XXXX protections and banking regulations. 

I opened a temporary bank account to receive my paycheck while the matter was being resolved, but payroll at my employer has stated they can not issue the funds without confirmation from Regions Bank. 

Despite numerous phone calls, HR referrals, and social media outreach, Regions Bank has failed to contact me directly. I have left reviews on all social media and Regions ' XXXX reviews. I spoke with XXXX XXXX at the XXXX, Kentucky, Location and a man at the XXXX, TN location. No one helped me ; they refused to give me the simple letter I needed to give to my employer so I could be paid. 

Regions Bank left generic public comments on my posts, but has made no real attempt to communicate or resolve my situation privately. 

They have since blocked me on XXXX and XXXX, limiting my ability to seek public accountability. 

I have been unable to access my own money for [ XXXX ], causing extreme hardship.

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 2025-08-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO XXXX, Equifax, and XXXX  reports which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collection account opened at XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from my consumer credit reports.

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: EQUIFAX, INC.
State: CA

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 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: DC

Complaint narrative:
On both XX/XX/XXXX and XX/XX/XXXX, I transferred the money of XXXX on each day ( XXXX in total for both transactions ) through an app called Wise, for paying the deposit of two cats I bought in XXXX. On XX/XX/XXXX, the receiver ( cat breeder in XXXX ) refused to sell the cats to me, and she stated clearly and I quote You will not at all get your money back ), then she blocked me. The receiver has stated that she will not refund me the XXXX on social media multiple times, many people have screenshotted that. I contacted Wise on XX/XX/XXXX, they said I should contact the receiver myself to ask for refund. However, the receiver has blocked me everywhere, Im unable to message her. On XX/XX/XXXX I believe, I filed a complaint to Wise about their decision. On XX/XX/XXXX, XXXX replied to my complaint and told me they are unable to help me get the refund back and suggested me to contact CFPB. I have contacted my bank- XXXX bank on XX/XX/XXXX to file a dispute, but never heard back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer XXXX Experian, Equifax, and TransUnion reports which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX on XXXX under the account number XXXX * * * * ; a collection account opened at XXXX XXXX XXXX on XXXX under the account number XXXX * * * * ; a collection account opened at XXXX XXXX XXXX on XXXX under the account number XXXX * * * * ; and a personal loan account opened at XXXX XXXX  on XXXX under the account number XXXX * * * *. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the fraudulent items be removed from my consumer credit reports. 
These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report reflects an account that I did not open, authorize, or recognize. I have never conducted business with the reporting creditor, and there is no valid agreement linking me to this account. This is fraudulent reporting that is damaging my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: CO

Complaint narrative:
Under the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ) ( B ), you are required to delete and block any information found to be inaccurate or unverifiable and must not reinsert such information into my file unless you certify its accuracy and provide me with written notice prior to reinsertion. 

This account is inaccurate and unverifiable. I demand its immediate removal and blocking from reinsertion. Continued reporting or reinsertion of this item without meeting the strict requirements of the FCRA will be considered willful noncompliance and a violation of my consumer rights. 

You are further required to notify me in writing within XXXX business days of any attempt to reinsert this information into my credit file, including the name, address, and phone number of the furnisher who verified it. 

Please confirm in writing that this account has been deleted, blocked from reinsertion, and that all parties reporting this account have been notified.

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 2025-08-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
These accounts are falsely attributed to me and should be removed within 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I purchased an auto loan from Honda Financials in XXXX of 2021 for a new XXXX XXXX. However, the auto loan is not showing up on my credit report as something I am paying off that will help build my credit. And yes, this is the years later, but I need that on my report so I can build my credit. Why are my payments not there?

Please help. Thanks

Company response to consumer: Closed with explanation