vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
b'Complaint Against XXXX for Withholding Funds and Mishandling Identity Fraud\n\nTo Whom It May Concern,\n\nI am filing a formal complaint against XXXX for unjustly freezing my account and withholding over XXXX XXXXf my personal funds due to a fraudulent account opened in my legal name and linked to my bank account without my authorization.\n\nDespite my repeated efforts to notify XXXX  of this identity theft and clarify that the fraudulent account is not mine, XXXX  has failed to take appropriate action. Instead, they have penalized me by locking my legitimate account and denying access to my funds. I have submitted multiple support requests, provided documentation, and explained the situation in detail, yet XXXX continues to ignore my appeals and has not offered any resolution or timeline.\n\nThis mishandling has caused me significant financial hardship, including:\n- Late payments on bills and obligations\n- Accrued late fees and overdraft charges\n- Emotional distress and disruption to my financial stability\n\nXXXX  actions appear to violate consumer protection laws, including those related to identity theft, fair access to funds, and due process. Their failure to investigate or respond appropriately is unacceptable and may constitute unfair, deceptive, or abusive practices.\n\nI respectfully request that the CFPB investigate XXXX conduct and compel them to:\n1. Immediately release my funds and restore access to my account\n2. Provide a written explanation of their actions\n3. Implement safeguards to prevent similar harm to other consumers\n\nThank you for your attention to this matter. I am prepared to provide supporting documentation and correspondence upon request.\n\nSincerely,  \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have attempted to work with them to settle my debt which accumulated during XXXX XXXX  I attempted to work with Chase and they did not want to work with me and they threw me into collections the attorney office that bought my debt hired private investigators to follow me around badge into my gated community and stalk me and my children forcing me to purchase a weapon to protect us I caught them following me to XXXX and in my neighborhood which should be completely illegal and criminal. The attorneys are XXXX, XXXX, XXXX, & XXXX XXXX XXXXXXXX XXXX is the main attorney who has been harassing me. Their phone number is XXXX in reference to account XXXX their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently received a letter from XXXX XXXX indicated that my application for WINDOW WORLD credit card was denied. However, I did NOT apply for a credit card to XXXX XXXX. This was done by someone without my knowledge or consent. I am worried that someone has my credit information and social security number in order to be able to do this. 

Again, this was NOT something I did.

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 2025-07-29 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: OH

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-29 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:
Subject : Request for Removal of Inaccurate Credit Information Name and Account Number : XXXX XXXX XXXX ( XXXX XXXX XXXX Dear Transunion, I hope this letter finds you well. I am writing to formally request the removal of inaccurate information from my credit report, as governed by the consumer laws and regulations outlined by the Fair Credit Reporting Act ( FCRA ). I recently obtained a copy of my credit report and was disheartened to discover that it contains erroneous information that is negatively impacting my creditworthiness. It is essential that this inaccurate information be rectified promptly to ensure the fairness and accuracy of my credit profile.Under the FCRA, consumers have the right to dispute any incomplete or inaccurate information appearing on their credit reports. The Act mandates that credit bureaus investigate these disputes within a reasonable timeframe, generally 30 days, and correct or delete any information found to be inaccurate, incomplete, or unverifiable.I would like to bring to your attention the following inaccurate on my credit report XXXX XXXX XXXX XXXX XXXX, an account that does not belong to me. I kindly request that you conduct a thorough investigation into these discrepancies and promptly remove the inaccurate information from my credit report. I also urge you to notify all creditors and data furnishers involved to ensure the correction is reflected across all sources. It is essential to emphasize that the FCRA places a legal obligation on credit bureaus to ensure the accuracy and integrity of the information they report. Consumers rely on this information to make important financial decisions, and any inaccuracies can have severe consequences on their financial well-being. Furthermore, I would like to remind you of the penalties imposed under the FCRA for non-compliance with its provisions. Should you fail to investigate and correct the inaccuracies within the specified timeframe, I will not hesitate to pursue legal action to protect my rights as a consumer. I kindly request that you acknowledge the receipt of this letter within 15 days and provide me with written confirmation of the actions taken to address my dispute. Additionally, I request that you provide an updated copy of my credit report once the necessary corrections have been made. Thank you for your attention to this matter. I trust that you will handle my dispute with the utmost professionalism and adhere to the consumer laws and regulations set forth by the FCRA. I look forward to a swift resolution and the restoration of accurate information on my credit report. 

Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX PA, 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 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Account is locked or frozen for cash app XXXX XXXXXXXX and i haven XXXX in the account i cant get too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-07-29 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: PR

Complaint narrative:
PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
Im writing a formal complaint in reference to the month of XXXX XXXX the company GM Financial for inaccurate and unverifiable reporting. The account violates federal law According to FERA Section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item that states late. Ive been on time since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
i recently gotten notification on my transunion credit report about inquires i have no knowledge of 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 2025-07-29 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: OH

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion have failed to properly investigate the disputes I submitted concerning inaccurate negative entries on my credit report. These errors have severely damaged my credit score, making it difficult to obtain credit and causing significant stress and financial 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 2025-07-29 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: OH

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion have failed to properly investigate the disputes I submitted concerning inaccurate negative entries on my credit report. These errors have severely damaged my credit score, making it difficult to obtain credit and causing significant stress and financial 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 non-monetary relief
Consumer complaint received 2025-07-29 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-29 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: IN

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-07-29 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: MN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: SC

Complaint narrative:
I don't know what I did for my account to get closed. Cash app made it to were I can't make a new functionaling Cash app account no matter what email I use, phone number or anything. I want call of my accounts under my name XXXX XXXX completely deleted. & I want to be able to make a new 100 % functional Cash app account under my name, phone number & email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-29 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: OH

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MA

Complaint narrative:
On XX/XX/2025, I filed a dispute through Cash App regarding a {$230.00} transaction to XXXX XXXX XXXX XXXX XXXX ). 
On XX/XX/XXXX, Cash App XXXX emailed me confirming the dispute was received and that I would receive an update within XXXX business days. 

Today is XXXX XXXX XXXX ( XX/XX/XXXX ), and I still have not received a decision. I reached out to their support team, and they are now stating that disputes XXXX take up to XXXX XXXX, directly contradicting the original written timeline I was given. 

In addition, when I followed up in the app, they logged a complaint but did not provide any new information. They stated that if I didnt respond further, they would assume I recognize and understand the resolutioneven though no resolution was ever given. 

XXXX has confirmed they are unable to refund me because Cash App already pulled the funds. I am requesting resolution and return of my {$230.00} as this delay has exceeded the promised response time and left me without access to my funds or proper communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CBC Companies, Inc.
State: CO

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me.

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days.

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation