vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: MA

Complaint narrative:
XXXX is blocking access to our XXXX XXXXXXXX account ( profile name XXXX XXXX XXXX XXXX  and provided no valid reason. We believe that they are illegally freezing our account. 

When accessing the charity profile using the XXXX app ( the only way to access it ), an error message pops up, preventing us from accessing the profile, including transferring our sizable donation to our bank account. 

The error message says : " There's an issue with your account. Until it's fixed, you won't be able to receive donations or access your XXXX charity profile. Head over to your Paypal charity account to learn more '' ( see XXXX screenshot attached ). 

I have contacted Paypal and they confirmed that there is no issue from their end ( see Paypal screenshot attached ). I also provided the screenshot to XXXX, but they keep telling me the scripted resolution to " resolve the issue with Paypal ''. 

This issue has been open for weeks and I have contacted XXXX XXXX times contacting XXXX with no resolution offered other than the scripted instructions. We desperately need to transfer the funds to our bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX or more credit bureaus ( Experian, Equifax, and/or TransUnion ) for willfully and negligently reporting a derogatory account from XXXX ( XXXX XXXX  XXXX ) in violation of federal law. 

The account in question is : Creditor : XXXX Balance : {$12000.00} Status : Derogatory / Collection / Charge-Off Remarks : Government overpayment, assigned to collection This account has been reported without lawful verification, and despite multiple formal disputes, the credit bureaus have failed to comply with the following : FCRA 1681i ( a ) ( 5 ) ( B ) No written notice was given when the item was reinserted after dispute ; 1681i ( a ) ( 6 ) They failed to provide any reinvestigation results or reason for continuing to report it ; 1681i ( a ) ( 7 ) They did not disclose the method of verification or the source of information ; 1681s-2 ( b ) The data furnisher ( DFAS ) failed to conduct a proper investigation or provide supporting documentation. 
Furthermore, the bureaus have responded only with the term verified, which fails the standard set by XXXX v. Equifax, XXXX XXXX XXXX ( XXXX Cir. 2007 ), which clearly states that consumers are entitled to non-obscure, meaningful descriptions of how disputes are verified. 

What I Requested : I formally requested : Method of Verification ( MOV ) Name/contact of the verifying party ACDV ( Automated Consumer Dispute Verification ) records FCRA compliance policy Reinvestigation protocol and submission procedure What I Received : None of the above. No documentation. No explanation. Just " verified '' which is legally insufficient.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The company or agency EQUIFAX wrote unable to locate file, in attempt to gather personal information. Further subject to unauthorized disclosure believes that the commitment we will automatically reinstate the security freeze can be ignored.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XX/XX/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 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 non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XX/XX/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 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 2025-07-12 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: EQUIFAX, INC.
State: LA

Complaint narrative:
ALL THREE BUREAUS CONTINUOUSLY DROPPING MY SCORES WHEN A CONSUMER TRADE IS PAID IN FULL. STILL REPORTING DEROGATORY MARKS ON ACCOUNTS THAT WERE PAID IN FULL, WHICH IS A VIOLATION. I MY CREDIT USAGE IS {$0.00} BALANCE ON ALL CREDIT CARDS. MY PAYMENT HISTORY IS OVER XXXX XXXX XXXX [ EXCELLENT ] THERE SHOULD BE NO HARD INQUIRIES ON MY REPORT. ALSO ALL OF MY ACCOUNTS HAVE BEEN PAID IN FULL OVER 21 ACCOUNTS. STOP THIS DETRIMENTAL HARM TO ME AND MY FAMILY. ALL THREE BUREAUS ARE REPORTING A ACCOUNT FROM XXXX XXXX WHO WAS SUED AND FILED BANKRUPTCY, SOLD MY ACCOUNT TO XXXX, WHICH I HAD REMOVED BY CONSUMER LAW 'S, ALL THREE BUREAUS PUT XXXX BACK ON MY REPORT, WHICH THEY REFUSE TO REMOVE. ALSO XXXX XXXX WAS PAID IN FULL, BUT STILL REPORTING DEROGATORY MARKS ON MY CREDIT REPORTS. 


REMOVAL OF XXXX ACCOUNT : XXXX AND DEROGATORY MARKS IMMEDIATELY RELATED TO THIS XXXX XXXX  ACCOUNT, ALSO XXXX XXXX XXXX  ACCOUNT : XXXX AND ALL DEROGATORY MARKS IMMEDIATELY!!! XXXX. 

XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX  ACCOUNT : CODE DF IMMEDIATELY!! ! 369 ALONG WITH REMEDIES FROM EACH CREDIT BUREAU OF A {$1000.00} AS FOLLOWS : 1. VIOLATION OF PRIVACY 2. DETRIMENTAL HARM TO CONSUMER AND FAMILY.

3. NON-COMPLIANCE TO CONSUMER DISPUTES FROM PAST.

4. ILLEGALLY SELLING OF INFORMATION TO THIRD PARTIES WITHOUT PERMISSION. 
5. FLASELY REPORTING INACCURATE INFORMATION ON CREDIT REPORTS.

Art VI.C1.1 Debts and Engagements Clause All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress , before the assembling of the United States XXXX in pursuance of the present confederation, shall be deemed and considered as a charge against the United States XXXX for payment and satisfaction whereof the said United States XXXX and the public faith are hereby solemnly pledged. Fourteenth Amendment, Section 4 : The validity of the public debt of the United States, authorized by law, including debts incurred for payment of pensions and bounties for services in suppressing insurrection or rebellion, shall not be questioned. But neither the United States nor any State shall assume or pay any debt or obligation incurred in aid of insurrection or rebellion against the United States, or any claim for the loss or emancipation of any slave ; but all such debts, obligations and claims shall be held illegal and void. 
UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized.

ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
HELLO MY NAME IS XXXX XXXX, I OPENED A CHECKING ACCOUNT WITH [ XXXX XXXX XXXX XXXX XXXX ] I MADE MULTIPLE DEPOSITS TO THIS ACCOUNT AND WAITED UNTIL THE BANK COULD RECEIVE THE DEPOSIT AND GAVE ME NOTICE THAT THE FUNDS WERE ALREADY AVAILABLE TO USE, THEN I SCHEDULED MULTIPLE PAYMENTS TO MY CREDIT CARDS AND MONEY TRANSFER TO ANOTHER CHECKING ACCOUNT, BUT THIS BANK HAS PROHIBITED ME FROM ACCESSING MY ACCOUNT IN THE [ XXXX XXXX ] NOW I DO NOT HAVE ACCESS TO SEE MY MONEY THIS BANK DID NOT SEND ME AN EMAIL EXPLAINING WHAT WAS HAPPENING, I TRY TO CALL BUT THEY ONLY KNOW HOW TO TRANSFER MY CALL AND I NEVER REACH THE DEPARTMENT WHO CAN HELP ME WITH THIS PROBLEM, I AUTHORIZED WITHDRAWALS FROM MY XXXXXXXX XXXX XXXXXXXX XXXX, AND ALSO AUTHORIZED WITHDRAWALS TO XXXX. ALL TRANSACTIONS WERE AUTHORIZED. I WAS NOT A VICTIM OF IDENTITY THEFT.

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 2025-07-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Received a threatening email. Stating they contacted my employer, will contact my friends/family, will sue me, garnish my money, the incorrect amount would be levied, threatening to contact the sheriff office XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
XXXX XXXX there was several transactions from a linked debit card where I transfered money into my cash balance afterwards I spent all the money on my cash app. Then on round XXXX XXXX I opened my cash app and seen I had a negative balance in my cash balance so I looked at my recent transactions and it said their was several failed transactions on XXXX XXXX due to a dispute that was made from the linked bank and cash app refunded money that I did not have in my cash app balance anymore leaving me with a negative {$600.00} balance a few months after this dispute with the other bank the bank sent me a statement regarding the dispute that was made saying it was an error in their system and I have money in my savings on cash app that I can't get because as soon as I transfer it to my cash balance cash app will take it to pay the negative balance I have

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX - XXXXXXXX XXXX XXXX XXXX  15

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: PR

Complaint narrative:
I respectfully request the removal of the following hard inquiries from my credit report : These inquiries were reported on my consumer file in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ). 

None of these credit transactions involved an extension of credit to me, the consumer, nor did I authorize them. However, it appears that my information was used in connection with these inquiries without my consent. 

XXXX XX/XX/XXXX- XX/XX/year> Attached is my formal dispute, along with the fraud report I recently submitted to [ credit bureau ] for the second time. I trust this matter will now be addressed thoroughly and resolved in full.

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 2025-07-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
It is auto loan and I have told them to come get the car.They have charged it off and they will not pick the car up to sell it for my debt on several occasions, they said there was gon na repossess it. They never repossessed it and now it is charged off and making a negative effect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: IN

Complaint narrative:
I am reporting identity theft by Experian, Equifax, and TransUnion. These credit reporting agencies have bought, sold, or shared my personal informationincluding my name, SSN, and credit historyfor monetary gain without my knowledge or consent. This fits the legal definition of identity theft : the unauthorized use of personal identifying information for financial benefit. I never granted permission for my data to be commercialized. These actions violate my privacy rights and constitute unfair and deceptive practices under federal law. I request an immediate investigation, a cease and desist on any further unauthorized use of my data, and disclosure of all entities who have received my information. I am filing this complaint with both the FTC and CFPB and consider this a formal report of identity theft

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 2025-07-12 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:
I am reporting identity theft by Experian, Equifax, and TransUnion. These credit reporting agencies have bought, sold, or shared my personal informationincluding my name, SSN, and credit historyfor monetary gain without my knowledge or consent. This fits the legal definition of identity theft : the unauthorized use of personal identifying information for financial benefit. I never granted permission for my data to be commercialized. These actions violate my privacy rights and constitute unfair and deceptive practices under federal law. I request an immediate investigation, a cease and desist on any further unauthorized use of my data, and disclosure of all entities who have received my information. I am filing this complaint with both the FTC and CFPB and consider this a formal report of identity theft

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 2025-07-12 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: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX I sent a letter to the 3 credit reporting agencies : Transunion, Experian and Equifax. I received a response from Transunion. I did not receive a response from Equifax or Experian. Transunion indicated they made changes to the account I disputed, I don't see any changes.

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 2025-07-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
On XXXX XXXX XXXX, I discovered that there were multiple inconsistencies surrounding an account that popped up on my credit report. On XXXX XXXX XXXX, I disputed the following inaccuracies below, from an agency called " Carter-Young Inc '' through certified mail. This account had little information including : There is no closed date. 
No info on account closure The name of the original creditor is vague and unverifiable. 
No remarks or payment history are listed. 
The date of first delinquency is not provided. 

I have yet to receive any update or removal of this account on my credit report and it appears to be a collection. 

The reported balance on the account if listed : {$3400.00} The account is listed : Open and Unpaid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
I sent a payment via money order to XXXXXXXX XXXX. The payment posted and was reversed. I contacted western union and they said a refund had been sent out on XX/XX/scrub>XXXX. The refund did not come to me so I asked for information and they said they couldnt provide that. After several calls and cases were filed, I was told to send proof of purchase for the money order. I sent a copy of the money order with the receipt still attached, a copy of the bottom portion ( receipt ) and a copy of the proof of purchase from the selling agent ( XXXX ). No response so I called back again and this time they told me even with all the proof, they could not refund me or provide the info on the person they refunded. The person who submitted the original refund request ONLY had the money order Payable to XXXX with my name and address as the sender. I have All the proof of purchase. I feel they are responsible as they refunded with no proof and did not du their due diligence before sending my money to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: Global Lending Services LLC
State: OH

Complaint narrative:
I applied online through XXXX XXXX XXXX for a specific XXXX vehicle listed on their website. A representative named XXXX, contacted me and said he would follow up after reviewing the application. At no point did he inform me that the vehicle was unavailable or that my credit would be submitted to multiple lenders. 

I never received a follow-up, but I later discovered that several unauthorized hard inquiries appeared on my credit report from lenders I did not approve. I was never told which companies would be pulling my credit, nor did I authorize credit checks for any other vehicles or offers. 

When I called the dealership, they were dismissive and refused to provide a clear explanation or escalate my concern to a manager. After pressing further, another employee confirmed that the vehicle was unavailable the entire time, meaning my credit was run without legitimate cause or proper consent. 

I am requesting that these unauthorized inquiries be removed from my credit report. I am also asking the CFPB to investigate this dealerships credit application practices, as they appear to be engaging in deceptive or unethical behavior.

Company response to consumer: Closed with explanation