vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
On XX/XX/year>, I attempted to purchase resale tickets on XXXX using PayPal. After placing the order, I noticed that my bank account did not have enough funds to cover the full amount, and I was concerned this would cause an overdraft or negative balance. 

The first order ( Order # XXXX Section XXXX ) failed due to payment issues. Shortly after, a second order ( Order # XXXX Section XXXX ) was created, but I immediately canceled it and contacted both XXXX and PayPal to prevent any charges. 

Despite my efforts to cancel and block future payments, a third order ( Order # XXXX Section XXXX ) was processed. This transaction was never authorized by me. PayPal used one of my saved cards without my explicit approval and sent payment to the seller, even though I had never confirmed this final order. 

I never received any tickets for any of these orders. XXXX confirmed that at least one payment failed, and another was canceled. Still, PayPal charged me and closed the dispute in favor of the seller. 

Now, my PayPal account has a negative balance for a charge I actively tried to prevent and for a product I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/year> under the account number ( private ), account opened at XXXX XXXX on XX/XX/year> under the account number private, XXXX acct # private, XXXX account # private on XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or chargeoffs. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
On XX/XX/year> I used my Apple ( Goldman Sachs ) credit card to make a purchase at a restaurant for a total charge of {$19.00}. I paid the total amount instantly on the same day. The balance of {$19.00} still showed up on my account, so I paid again on XX/XX/year>, not realizing I was made to make a duplicate payment. When I went to my XXXXXXXX XXXX account, I had a notification that there was a duplicate charge of {$19.00} from my Apple card. I contacted Apple customer service through text the first time on XX/XX/year> and they submitted a claim for me to have the issue resolved. I sent screenshots of the proof. This was denied. I contacted them again on XX/XX/year>, they submitted another claim, but this was also later denied. This made me contact my XXXXXXXX XXXX to try to solve the problem. My bank instantly tried to help by denying the second charge and returning the money to me. However, Apple then put that charge BACK onto my account. I contacted them for the third time on XX/XX/year>. The representative I communicated with did not try to help, and was gaslighting me into believing that there was no duplicate charge, and the reason they put the charge back on is because I never paid ( the money taken out of my account says otherwise ). I contacted Apple for the FOURTH time on the same day ( XX/XX/XXXX ) to speak with a different representative. They submitted the third claim for me, but this, yet again, was also denied. They still have not resolved the issue, and I am considering getting a lawyer involved, as they have gone against the FCBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-05-31 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas, XXXX XXXX XX/XX/year> Equifax, XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Under the Fair Credit Reporting Act ( FCRA ) Dear Equifax, I am writing to dispute the following inaccurate item ( s ) in my credit report as provided by your agency. This letter serves as a formal notice under the Fair Credit Reporting Act ( FCRA ), specifically citing : 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy ; 15 U.S.C. 1681i, which mandates that consumer reporting agencies reinvestigate disputed information within 30 days. 

Disputed Information : Creditor/Furnisher Name : XXXX Account Number : XXXX Reason for Dispute : Inaccurate Dates The above item ( s ) are inaccurate and damaging to my credit profile. 

I request that you conduct a thorough reinvestigation of the disputed information. If you are unable to verify the accuracy, completeness, or ownership of this data, you are legally obligated to delete it from my credit report. 

Supporting Documents Enclosed : A copy of my credit report with the disputed item ( s ) clearly highlighted the inaccuracies on my report Please respond in writing with the results of your investigation within 30 days, as required by FCRA guidelines. If the information is found to be inaccurate or unverifiable, it must be removed or corrected immediately. If this matter is not resolved appropriately, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and consider legal action to protect my rights under federal law. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: IL

Complaint narrative:
My credit report has unauthorized accounts resulting from a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-05-30 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following inquiries do not have my authorization and must be deleted : XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX These inquiries violate the FCRAs strict permissible purpose requirements ( 15 U.S.C.

1681b ), as I did not initiate these inquiries, nor was I provided proper notification or opportunity to consent. Additionally, under 15 U.S.C. 1681i, you must reinvestigate and remove any information that can not be verified.

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 2025-05-30 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: CA

Complaint narrative:
The following inquiries do not have my authorization and must be deleted : XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX These inquiries violate the FCRAs strict permissible purpose requirements ( 15 U.S.C.

1681b ), as I did not initiate these inquiries, nor was I provided proper notification or opportunity to consent. Additionally, under 15 U.S.C. 1681i, you must reinvestigate and remove any information that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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:
XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft. There is a credit card from founders fcu and a dr bill from XXXX XXXX a collection agency. I never gave anyone permossion or authorization to open these accounts. My identity has been stolen. This is really messed me up from moving forward in life. I cant obtain a job, credit or the anything its really affecting my ability to orivide for my family. Inquiries are as follows. 
XXXX For, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft. There is a credit card from founders fcu and a dr bill from XXXX XXXX a collection agency. I never gave anyone permossion or authorization to open these accounts. My identity has been stolen. This is really messed me up from moving forward in life. I cant obtain a job, credit or the anything its really affecting my ability to orivide for my family. Inquiries are as follows. 
XXXX For, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is a formal follow-up regarding my ongoing complaint against TransUnion. I am placing them on notice for continued willful violations of the Fair Credit Reporting Act ( FCRA ) and deceptive practices meant to retain negative accounts already deleted by another credit bureau. 

TransUnion is knowingly reporting a false date for my.. They claim this address has been on file since XX/XX/year>, when in fact, I have documented proof that it was not associated with my credit report at that time. This false statement was made to justify continued verification of disputed accountsincluding the XXXX XXXX XXXX account. 

XXXX has already contacted the furnishers and confirmed that these accounts were deleted, including the one from XXXX XXXX. There is no legitimate basis for TransUnion to keep verifying themespecially using a fabricated address history that was not in effect during the period they claim. 

Additionally, I am aware of TransUnions recent response tactic of stating that investigation results will be sent by mail instead of addressing the core issue. I am documenting this as a pattern of evasive behavior and non-transparent investigations. The public has a right to know the truth, and I intend to expose it if this conduct continues. 

This is a notice that if TransUnion does not delete these accounts and correct the false reporting date, I will escalate this matter to the Attorney General, the Federal Trade Commission, and XXXX XXXX XXXX. I will also submit this complaint to the XXXX XXXX XXXX and begin public exposure of TransUnions deceptive practices. 

I am no longer requesting corrections. I am demanding accountability for violations already committed. I am keeping records of every action, date, and inconsistencyand I will not stop until full accountability is achieved. 
At this time, I am not uploading any evidence. I am reserving all documentation for future litigation and regulatory escalation. TransUnion is officially on notice for ongoing misconduct and false reporting practices.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting a charge-off account from XXXX XXXX XXXX XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX  with a charge-off date of XX/XX/year> and a balance of {$38000.00}. This account is being reported in error and should not be on my credit file. I never received any verification or communication about this alleged debt, nor was I offered any opportunity to review, dispute, or resolve it before it appeared on my credit report. The handling of this matter has been careless, and I believe it reflects both procedural violations and a potential breach in data handling that has led to this inaccurate and damaging tradeline.

This account has no place on my credit report. The stress and damage it has caused are enormousnot only has it dropped my credit score substantially, but it has also caused confusion and emotional frustration over an account I had no idea existed in such a condition. Based on numerous complaints filed by consumers nationwide and investigations by the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX has repeatedly failed to furnish accurate data or conduct proper investigations of disputes. I am now experiencing the same misconduct that so many others have reported.

Furthermore, Equifax has its own history of failing to reinvestigate consumer disputes properly. The CFPB has filed formal complaints against Equifax, citing its pattern of sham investigations and failure to meet its obligations under the FCRA. This is unacceptable. Under 15 U.S.C. 1681i, Equifax is required to perform a legitimate reinvestigation of any disputed information within 30 days. Additionally, under 15 U.S.C. 1681 ( a ) ( 5 ), any information that is found to be inaccurate, unverifiable, or incomplete must be deleted from the consumers file. At this point, neither Equifax nor XXXX XXXX has provided anything to justify the reporting of this account. 

Given the known reporting failures by both Equifax and XXXX XXXX, I believe this charge-off was inaccurately reported and must be removed. I suspect the source of this error could even trace back to a data breach, as Ive noticed other suspicious credit activity on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have 3 Navy Federal Credit Union Accounts, All of then have been closed and charged off and are still reporting. Navy Federal is still calling me for my debt even though they charged all of my debt off. I have proof of then sharing my person information with 3rd party companies to collect such debt which is illegal. I never signed anything with Navy federal or the multiple 3rd party companies. This is illegal, they are freezing my credit, this is unfair. I shall have all Navy federal credit union accounts removed immediately, due to such multiple issues they have caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
I went to the emergency room at XXXX XXXX XXXX on XX/XX/year> due to XXXX problems, I was treated and released. About A month later I received A bill for XXXX. I then called XXXX XXXX XXXX, to tell them my insurance company ( XXXX ) paid it already, The hospital said they did not. I then called XXXX, my insurance company to make sure, they said they paid the hospital, disregard the bill. This has been going on for about three months now back and fourth. Now it went to a collection agency. 
Focus Financial Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Florida XXXX I explained my case to XXXX XXXX , we spoke A couple of times, I faxed him proof showing XXXX paid them for XX/XX/year>, Same story he's saying maybe I did not have insurance, but mean while I faxed him A copy from the insurance company showing him the date and how much they paid to XXXX XXXX XXXX . He said the hospital did not get the money. Thank you, XXXX XXXX Please Help!

Company response to consumer: Untimely response