vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WESTERN UNION COMPANY, THE
State: AR

Complaint narrative:
So I was sent money through western union and and basically told me that my money was on hold and that I had to wait when I been getting money through western union perfectly fine and now all of a sudden I get sent money and its on hold

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XXXX XXXX XXXX I was the victim of a scam involving a spoofed XXXXXXXX XXXX  phone number. The caller posed as a XXXX fraud representative and claimed my identity and financial accounts were at risk. Under emotional pressure and fear, I was instructed to send money through PayPal as part of an account verification and protection process. 

I unknowingly sent {$4000.00} through PayPal using two linked bank cards. I later realized this was a scam and filed disputes with PayPal, my banks, the FTC, CFPB, and XXXX. My banks reversed the transactions and returned the funds to me. 

PayPal had already released the funds to the scam recipient ( XXXX XXXX ), and on XXXX XXXX XXXX, after the bank reversals, PayPal posted a negative balance of {$1900.00} to my account. 

I have submitted a formal FTC identity theft report, proof of the fraudulent transaction, and documentation showing that PayPal refunded similar scam-related payments. Despite this, PayPal has not waived the negative balance and is attempting to hold me financially responsible for a scam that occurred through their platform. 

I am requesting that PayPal remove the negative balance and close this matter. I should not be responsible for covering losses caused by a scam, especially when PayPal failed to block or detect a fraudulent recipient account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
I have had a prepaid American Express debit card for at least 10 years and my address has not changed and in XX/XX/year> I was contacted by a bluebird representative stating that somebody was trying to take my money on my account so they stated that they was going to put a freeze on my account and issue me a new card They stated Id get that card within 10 business days but I never did receive it so I called back and the representative stated that my money was still there and that it was like {$1700.00} and to wait till Monday to see if I would receive my card by then which that date wouldve been XX/XX/year>. I did not receive the card on XX/XX/XXXX so I called back and the representative stated that I had XXXX balance and that somebody withdraw {$1700.00} out of my account which left me a balance of {$.00}. I asked how that could be possible when my account was supposed to be on freeze. The representative stated that they sent a new card to a different address than my address and that person took out the money. I dont understand how they couldve done that when I have been with this company for 11 years and they know that my address Has been the same and they let somebody else change my address and my email. The representative stated that they noticed that it was fraud so they would issue me a new card and they will reimburse me back my {$1700.00}. I waited another 10 days never received my card and I found out that they issued that card to a different address in that person took out another {$1700.00}. I dont know how they couldve changed my identity when my card and everything was supposed to be on freeze now bluebird American Express prepaid wont even talk to me because they stated that they can not verify me anymore due to the hacker changing my email address and my address to theirs. It shouldnt be that hard to find out because I have been with this company for 10 or 11 years and my address is never changed and I was a valued customer. I just need my money back due to the fact that I have a chronic illness and I need to get my medication. I have filed a police report at the state place. I have completed a report to the federal trade commission concerning identity theft and I completed ic3 form which the FBI told me to complete.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
This account violates XXXX XXXX by reporting both a charge-off status and past due balance. Please update or remove in accordance with FCRA and XXXX XXXX guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
Here is the detailed timeline : On XX/XX/XXXX, my husband and I went to XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX ) to purchase a used XXXX XXXX XXXX. 
We negotiated and agreed on a cash price of {$17000.00}. 
I attempted to pay the full amount with my debit card, but due to my bank 's daily limit, only {$9900.00} was successfully charged. The dealer stated they would refund this and provided a refund receipt. 
The dealer suggested I pay a {$3000.00} deposit, which I did using my U.S. Bank credit card, and bring a {$14000.00} money order the following day. 
On XX/XX/XXXX, we returned, paid the money order, signed the purchase contract, and took the car. 
On XX/XX/XXXX, I discovered the {$9900.00} debit card charge was not refunded, and U.S. Bank considered it a valid PIN transaction. 
I have repeatedly contacted the dealer, and the bank, both continue to refuse the refund. 
I have the following evidence : Signed purchase contract ; Debit card transaction for {$9900.00} ; Credit card transaction for {$3000.00} ; Proof of {$14000.00} money order ; Refund receipt from the dealer ; Correspondence with U.S. Bank.

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 monetary relief
Consumer complaint received 2025-05-14 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: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I just discovered a credit inquiry from a company Ive never had any contact with, and I want to make it absolutely clear : I did not give my permission for this company to access my credit report. This inquiry was made without my consent, and as such, it is both unauthorized and fraudulent.

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 2025-05-14 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
ummary & Timeline Unauthorized Offset from Real Estate Escrow Account XXXX XXXX Licensed Real Estate Broker Florida Escrow Account Ending in : XXXX ( Bank of America ) Date of Incident : XX/XX/year> Amount Withdrawn : {$5200.00} Account Purpose : Regulated Florida real estate sales and rental escrow account used exclusively to hold client deposits for transactions. 
Timeline of Events : Before XX/XX/year> : I maintained a dedicated escrow account at Bank of America ( ending in XXXX ), used solely for holding client funds in connection with real estate sales and rental transactions, as required by Florida Statute 475 and FREC regulations. No personal or business operating funds were ever commingled with this account. 
XX/XX/year> : Bank of America offset {$5200.00} from my escrow account, without notice or authorization. When I contacted the bank, they stated that because the escrow account was held at Bank of America and linked to a credit card balance ( presumably under my name ), they were entitled to remove the funds. I explained repeatedly that the funds did not belong to me and were held in trust for clients. Despite this, they were dismissive and uncooperative. 
XXXX XXXX XXXX  : I made multiple attempts to escalate the issue internally with Bank of America, requesting the funds be restored. No resolution has been offered to date. 
XX/XX/year> : While on my way to a local Bank of America branch to resolve the matter in person, I was involved in a car accident. I was not at fault, but the timing of the incident has added significant personal stress and hardship to this situation. 
XX/XX/XXXX and XXXX XXXX : I began preparing formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Florida Department of Business and Professional Regulation ( DBPR ). I am now seeking legal support to recover the funds and pursue any remedies available due to the seriousness of this violation. 
Supporting Documents Provided : Bank Statement showing the escrow deposits made to account ending in XXXX Contract to Lease indicating I am the holder of the escrow deposit Lease Agreement for the transaction in question Verification of Escrow ( VOE ) I submitted to the listing agent XXXX XXXX XXXX showing client funds deposited into the account Florida XXXX XXXX XXXX Info Please let me know if you need any additional documentation or clarification.

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 monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
on XX/XX/XXXX i realized my bank account had funds taken by XXXX XXXX Receivers I WAS NEVER SERVED WITH A ORDER AND KNOW I FIND OUT THAT I WAS SUED WHEN I CALLED THE XXXX XXXX RECEIVERS. I CALLED THEM AND THEY SAID THEY ARE JUST A COMPANY COLLECTING FOR PORTFOLIO RECOVERY ASSOCIATES LLC. THAT RECOVERY BOUGHT THE DEBT OF A XXXX XXXX CREDIT CARD BACK IN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this formal dispute against XXXX XXXX XXXX XXXX regarding the continued and damaging reporting of a paid and closed installment account on my credit report. This account was opened in good faith through their widely advertised credit builder program, which claims to help customers build credit, not harm it. Contrary to these advertised promises, this account has damaged my credit profile rather than improved it. 

XXXX XXXX heavily markets their product as a credit-building tool, promising consumers that participation will help improve their credit scores. This constitutes deceptive advertising under Section XXXX of the FTC XXXX, which prohibits unfair or deceptive acts or practices in or affecting commerce. 

The result of my participation was the exact opposite of what was advertised : despite completing all payments and successfully closing the account, my credit report reflects a derogatory mark and a score drop. This misrepresentation of product outcomes is deceptive, misleading, and predatory, particularly for consumers seeking to establish or rebuild their credit Inaccurate and Harmful Credit Reporting Violation of FCRA ( 15 U.S. Code 1681s-2 ) Self Financial continues to report this account with a negative impact even though : The account is paid in full and closed in good standing There are no missed payments, delinquencies, or defaults Under the Fair Credit Reporting Act, furnishers of information to credit bureaus must report complete and accurate information and must correct or delete inaccurate, incomplete, or unverifiable information ( 15 U.S.C. 1681s-2 ( a ) ).

Their failure to properly reflect the nature of the account ( closed satisfactorily, paid as agreed ) while it continues to harm my score may also amount to willful noncompliance under 15 U.S.C. 1681n, entitling me to damages.

Unfair Damage to Credit Profile Violation of FDCPA ( 15 U.S. Code 1692e ) Should Self or any affiliated agency report this account in a manner that misrepresents its status or the consumers obligation, it would also violate 1692e of the Fair Debt Collection Practices Act, which prohibits the use of false, deceptive, or misleading representations in connection with the collection of any debt. 
The consumer ( myself ) relied on good faith marketing that promised score improvement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this formal dispute against XXXX XXXX XXXX XXXX regarding the continued and damaging reporting of a paid and closed installment account on my credit report. This account was opened in good faith through their widely advertised credit builder program, which claims to help customers build credit, not harm it. Contrary to these advertised promises, this account has damaged my credit profile rather than improved it. 

XXXX XXXX heavily markets their product as a credit-building tool, promising consumers that participation will help improve their credit scores. This constitutes deceptive advertising under Section XXXX of the FTC XXXX, which prohibits unfair or deceptive acts or practices in or affecting commerce. 

The result of my participation was the exact opposite of what was advertised : despite completing all payments and successfully closing the account, my credit report reflects a derogatory mark and a score drop. This misrepresentation of product outcomes is deceptive, misleading, and predatory, particularly for consumers seeking to establish or rebuild their credit Inaccurate and XXXX XXXX XXXX Violation of FCRA ( 15 U.S. Code 1681s-2 ) Self Financial continues to report this account with a negative impact even though : The account is paid in full and closed in good standing There are no missed payments, delinquencies, or defaults Under the Fair Credit Reporting Act, furnishers of information to credit bureaus must report complete and accurate information and must correct or delete inaccurate, incomplete, or unverifiable information ( 15 U.S.C. 1681s-2 ( a ) ).

Their failure to properly reflect the nature of the account ( closed satisfactorily, paid as agreed ) while it continues to harm my score may also amount to willful noncompliance under 15 U.S.C. 1681n, entitling me to damages.

Unfair Damage to Credit Profile Violation of FDCPA ( 15 U.S. Code 1692e ) Should Self or any affiliated agency report this account in a manner that misrepresents its status or the consumers obligation, it would also violate 1692e of the Fair Debt Collection Practices Act, which prohibits the use of false, deceptive, or misleading representations in connection with the collection of any debt. 
The consumer ( myself ) relied on good faith marketing that promised score improvement

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