vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I requested replacement of stale dated from Ally Bank. I filed a complaint with CFPB when Ally refused to reissue the checks with no valid explanation as to their delay. They responded with replacement checks the day after the complaint was filed however I have been unable to cash the checks due to rejection by several internet banks and even by a check cashing service. They all cited inability to verify the check with the remitter. 
Based on the refusal of Ally to issue an ACH payment for the checks and the attached letter from Ally, I opened an account at a physical bank and deposited XXXX of the official bank checks. The official bank check has been put on a 6 day hold. The reason for the hold is information indicates check may not be paid.

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 2025-11-13 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: SC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-13 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: SC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal permanently limited my account without cause and has refused to provide any documentation or explanation for their decision, despite multiple requests and a formal certified-mail dispute. 

On XX/XX/year>, I received an email from PayPal stating : After a review, we decided to permanently limit your account as we found potential risk associated with it... You can no longer use PayPal services. 

This message did not identify any transaction, code, or reason. I had no funds in my account at the time. 

XXXX days later, on XX/XX/year>, PayPal sent another message stating, Unfortunately, our decision to close your account is final. PayPal reserves the right to close any account reported to be involved in possible fraudulent or high-risk behavior. I have never engaged in any fraudulent, high-risk, or policy-violating activity. 

The only unusual transaction was an unsolicited {$0.00} deposit from an unknown individual ( XXXX XXXX ) on XX/XX/year>, which I immediately reported as potentially fraudulent. PayPal incorrectly closed that case as consistent with my payment history. It was not. I did not authorize that transaction and had no prior relationship with the sender. 

I completed all identity-verification steps, including photo-ID verification, yet my account was permanently closed anyway. 

I contacted Customer Support repeatedly through the PayPal Message Center and was told each time that the decision was final and that I could request documentation. When I formally requested that documentation, I received an incoherent message claiming I had disputed received payments, which is factually incorrect. My only dispute involved the unauthorized one-cent deposit mentioned above. 

On XX/XX/year>, I mailed XXXX XXXX and XXXX Department a formal written dispute, via certified mail, requesting : The specific basis for the account closure Identification of any policy or XXXX  codes applied Copies of any internal notes or risk flags used A senior compliance review Assurance of data integrity I have received no response whatsoever. 

I am requesting CFPB assistance because PayPal has : Closed my account without explanation or cause, Refused to provide documentation they claimed I could request, Provided contradictory or incorrect information, Ignored a certified-mail dispute packet, and Left a false and damaging risk designation on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-13 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: NJ

Complaint narrative:
I am disputing the following charged-off accounts due to inaccuracies in the reporting of both the account status and the balances : XXXX, XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} The balance and reporting on this account do not align with my records. I request a review of the account to ensure the information is accurate and that it is reported correctly according to the credit reporting laws. 

XXXX, XXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00} The information reported appears to be inconsistent with the actual status of the account. I request a thorough investigation and proper update to reflect the correct balance and payment status, as the current reporting could be a result of clerical errors. 

XXXX XXXX XXXX, XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} There appears to be an error with this accounts reporting, possibly involving incorrect balance amounts or payment history. Please review this account and ensure that it is updated according to the accurate reporting guidelines set forth by the FCRA. 

XXXX XXXX, XXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} I suspect that the balance and other details related to this account have been incorrectly reported. Please conduct a detailed investigation to ensure this account is reported accurately, and remove or update any erroneous information. 


XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: CO

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to make a {$15.00} withdrawal from my Cash App account via the phone app. On the withdrawal screen, I accidentally clicked " Instant Transfer '' instead of the " Regular Transfer '' because the options were moving up the screen as the window loaded. Although the Instant Transfer option includes a fee, Cash App does not have a secondary confirmation window so I did not have an opportunity to correct my mistake and was charged a {$0.00} fee. 

I contacted Cash App twice by chat and phone ( including within moments of the transfer ) to ask for a courtesy waiver of the fee since it was a mistake, but both times the representatives declined. 

It seems pretty clear that Cash App hopes that its users will make this mistake so that it can collect fees. There is no secondary confirmation window to catch the mistake or an option to disable the instant Transfer option ahead of time ( I assume many users never would want to use this option that includes a fee ). I don't think it is fair that a single mistouch ( with options that initially move! ) should commit a user to a fee. Some regulatory agency should hold Cash App accountable to protect against this scammy interface.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-11-13 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: LA

Complaint narrative:
I am writing to formally dispute the following items on my credit report. These items have been inaccurately reported and I request that they be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  : Account Number XXXX, Open Date XX/XX/XXXX, Balance {$930.00} XXXX XXXX XXXX : Account Number XXXX, Open Date XX/XX/XXXX, Balance {$200.00} Inquiries : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Late Payments : XXXX XXXX : Account Number XXXX XXXX  : Account Number XXXX XXXX XXXX : Account Number 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 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Receiving multiple text messages, emails, and phone calls every day about missed payments. When calling, an automated recorded message identifies the company ( Affirm ) and only states that they are calling for me, by first name only, and that it is in regards to " an important business matter ''. The calls are placed using computer generated numbers, not actual phone lines. It is my understanding that, even on a recording, companies not stating that a call is an attempt to collect a debt is an illegal debt collection practice. I also believe that they have far exceeded the number of times they are allowed to contact an individual per week and have moved into harassment territory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AL

Complaint narrative:
I am in the process of trying to buy a home, and during a recent review of my credit reports, I discovered multiple damages, inaccuracies, and unverified information being reported about me. These derogatory items are false, misleading, and are actively harming my ability to qualify for a mortgage. This is a direct violation of my rights under the Fair Credit Reporting Act.

Under 15 U.S.C. 1681, consumer reporting agencies are required to report information that is accurate, complete, verifiable, and fair. Any information that is unverified, outdated, or incorrect can not legally remain on my report. The inaccurate accounts, unauthorized inquiries, and false derogatory marks currently appearing on my file amount to defamation of my character, cause financial harm, and interfere with major life decisions such as homeownership. 



I have attempted to dispute these items with the credit bureaus directly, yet the information was not properly investigated or validated as required by law. I am requesting that the companies involved provide full verification of EVERY disputed account and inquiry, including proof of authorization, dates, documentation, and source. Any item that can not be fully verified under FCRA guidelines must be removed immediately. 



I am filing this complaint because I want the CFPB to ensure these companies follow federal law, complete a lawful investigation, and correct or delete all inaccurate, incomplete, or unverifiable information from my federal credit reports without delay.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
my regions checking a account is closed due to identity theft/fraud

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 2025-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I entered a rental lease with XXXX XXXX XXXX XXXX on XX/XX/XXXX. In XX/XX/XXXX, my lease with XXXX XXXX XXXX XXXX ended, and I moved out of the house. National Credit Systems , Inc. recently appeared on my credit report and is reporting inaccurate and impossible dates. The account is listed as opened in XX/XX/XXXX, but the original rental lease was initiated in XX/XX/XXXX and terminated in XX/XX/XXXX. This incorrect " open date '' proves that the account is not being reported with the precise information required under FCRA sections 602 ( a ), 607 ( b ), and 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Unauthorized inquires on my credit reports that are not attached to any account or open account. 15 U.S. Code 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I filed a dispute with PayPal ( Case ID XXXX ) for a {$540.00} purchase from an online wig seller XXXX XXXX XXXX who sent me XXXX product that did not match the listing and was not as described. It was also severely damaged and defective. PayPal agreed to refund me after return, but the seller only provided a return address with NO company name, NO contact name, and no valid recipient. XXXX would not allow a label to be created because the address was invalid without a name. I uploaded screenshots of XXXX rejecting the address, photos of the package showing the same incomplete return label the seller originally used, and screenshots of many other customers reporting the same issue with this seller refusing to provide return labels or valid addresses. 

Despite this, PayPal closed my appeal in the sellers favor saying I provided inaccurate information. I did not. The issue is that the seller refuses to provide a valid return address, making it impossible to comply with PayPals requirement. This is a known scam pattern by this seller, documented by many customers online.

PayPals dispute team did not review the evidence I uploaded, including photos, screenshots, and third-party verification that the address can not be shipped to. I am now out {$540.00} because PayPal required me to ship to an invalid address with no recipient name and then closed the appeal when I physically could not. I am requesting CFPB assistance because PayPal is not following its buyer protection policy, is dismissing valid evidence, and is allowing a fraudulent seller to continue using fake return addresses to avoid refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
I am submitting this complaint to dispute information appearing on my TransUnion credit report that seems inaccurate or unverifiable. 

Charged-Off Accounts in Dispute : XXXX XXXX, Account ending in XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX, Balance : {$880.00} XXXX  Account ending in XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, Balance : {$16000.00} Please verify both accounts directly with the furnishers and provide written confirmation that the charge-off status and balances are correct. If the information can not be verified, I request that TransUnion delete these accounts. 

Inquiry Disputes : 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 XXXXXX/XX/XXXX I do not recognize or recall authorizing these inquiries. Please verify that each was made with my consent and for a permissible purpose. If TransUnion can not confirm authorization, I request they be removed from my credit file. 

Late-Payment Dispute : XXXX  Account ending in XXXXXXXX XXXX XXXX XXXX XXXX I am disputing the late payment on this account. Please verify its accuracy with the furnisher and remove or correct it if the late payment can not be validated.

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 2025-11-13 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: TX

Complaint narrative:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

Company response to consumer: Closed with explanation