vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: NJ

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sezzle Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/XXXX I wrote a check on my XXXX account to my tax associate for {$690.00}. In XXXX, the firm advised they'd not rec 'd the check but would check to see if was in my file... it was not and I paid them on-line. 
On XX/XX/XXXX, I noticed an 'unknown ' check in the amount of {$1300.00} had been posted to my account. The check image clearly showed the check had been washed, except for my signature and my tax firms acct number. The check was altered to be made payable to " XXXX XXXX '' who I have no knowledge of. The check was endorsed for mobile deposit and accepted by Bank of America. I have images of the check. 
XXXX XXXX covered the {$1300.00} fraud but they had to close the account and issue a new one to which I had to modify XXXX direct debit/direct deposit vendors including the IRS, SSA and municipal government. Please note that I do not have a BOA account personally. 
I contacted the XXXX XXXX XXXX who advised they don't handle complaints but referred me to BOA, the FTC and the CFPB.

I filed a complaint with the US Postal Inspectors ( Reference number is : XXXX ) and tried to file an online complaint with the XXXX  Police Department but they said without knowing where the 'crime was committed, they couldn't take a report. '' While my personal loss was covered, I was trying to advise BOA of the incident, to which they seemed disinterested AND wanted to know what steps are taken in this day of AI to prevent an obviously altered check from being accepted by, obviously, one of their customers to no avail.

None of the available complaint options really applied, that is why I selected " problem with a credit/debit card '' from the drop-down list.

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 2025-12-02 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:
I am filing a complaint regarding Equifaxs refusal to honor my rights under FCRA 605B after submitting multiple valid Identity Theft Reports. 

On XX/XX/year>, I submitted my original FTC Identity Theft Report, personal identity verification documents, and a written statement to Equifax requesting a 605B block of a fraudulent XXXX XXXX XXXX XXXX account. Equifax invalidated this FTC report but refused to provide the invalidation reason in writing when I requested it. 

On XX/XX/year>, after Equifax confirmed receipt of my identity documents and statement, I submitted an updated and more complete FTC Identity Theft Report with additional details, including the full account number that I did not have at the time of the original dispute. Equifax again invalidated this second dispute. 

On XX/XX/year>, I called Equifax and spoke with a representative who informed me that the FTC Identity Theft Report was considered invalid because it did not have page numbers in the bottom corner and allegedly should have contained XXXX pages. When I again requested a written invalidation notice, I was told Equifax could not provide XXXX, despite this being a direct part of the consumers right to understand the basis for denial under 605B ( c ). 

There is no requirement in the FCRA that an Identity Theft Report contain page numbers or a certain number of pages. The law requires only : Proof of identity, An Identity Theft Report, and XXXX of fraudulent information in the consumers file. 

Despite my providing these items twice, Equifax continues to reject my submissions on arbitrary technical grounds unrelated to federal law. 

To eliminate any possible excuse for noncompliance, I have now prepared an updated multi-page FTC Identity Theft Report with page numbers clearly visible, along with my ID, proof of address, and a list of fraudulent items. This meets and exceeds all legal requirements of 15 U.S.C. 1681c-2.

Equifax is refusing to block identity theft information within the required four business days, refusing to provide the statutory written explanation for rescission or denial, and creating artificial technical barriers that are not part of the FCRA. Their actions appear to violate FCRA 605B and are causing ongoing harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
I am submitting this complaint because the information being reported by the credit bureaus is inaccurate, incomplete, and causing harm to my credit profile. I am requesting a full investigation and correction/removal of all information that can not be verified according to the FCRA. 
Charged-Off / Negative Accounts Dispute These accounts reflect inaccurate information, incorrect dates, outdated statuses, or unverifiable balances : XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXXXXXX {$650.00} Please reinvestigate and delete anything unverifiable. 

XXXX. Hard Inquiries Dispute I dispute the following inquiries as they were not authorized or were excessive dealership pulls : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Any inquiry without documented authorization must be removed. 

XXXX. Late Payments Dispute The following late payment entries are inaccurate or unverified : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ONEMAIN XXXX Please correct or delete based on verification results.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I am filing this complaint because PNC Bank improperly denied my dispute involving charges that resulted from misrepresentation. Their investigation was incomplete, their reasoning was incorrect, and I was not given a full explanation of their findings. 

Timeline of what happened : In XXXX and XXXX, charges totaling ~ {$24000.00} posted to my PNC credit card ( I do not have the exact dates or amounts because I do not have access to these accounts. ) The merchant misrepresented what they were providing. I did not receive what was promised. Merchant claimed to be a medical doctor and it was found out he is not nor has ever been one. 
I first realized I had been misled on XX/XX/XXXX from reading a XXXX post of others who had been defrauded. 
I contacted PNC and filed a dispute on XX/XX/XXXX, explaining the misrepresentation and providing details. 
PNC told me the case was escalated to multiple teams, including XXXX XXXX XXXX. 
Between XX/XX/XXXX and XX/XX/XXXX, I followed up several times by phone and email. I did not receive timely updates or requests for additional documentation. 
On XX/XX/XXXX, I was told that PNC denied my claim. 

PNC gave XXXX reasons for the denial : 1. They were unable to recover the funds from the merchant.

2. I notified them more than 60 days after the charges posted.

Why these reasons are improper : ( 1 ) Unable to recover funds is not a valid basis for denial under Regulation Z. 
Whether PNC can obtain reimbursement from the merchant does not determine my liability. Regulation Z requires a reasonable investigation into whether the charges were valid not a denial based on merchant non-cooperation. 

( 2 ) The 60-day rule was misapplied. 
This was a misrepresentation dispute, and I notified PNC promptly after I discovered the issue. The timeline for reporting misrepresentation is based on the date of discovery, not merely the date the transaction appeared. 
I had ongoing communications with the merchant and did not know I had been misled until later. PNC did not ask me for documentation to establish the discovery date. 

Additional concerns : PNC did not provide all documentation or evidence used in their investigation. 
The investigation appears incomplete, as critical information and my timeline were not reviewed. 
XXXX XXXX XXXX told me a decision would be made by the end of XXXX, but I received no communication for more than XXXX weeks despite multiple attempts to follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I submitted a request to PayPal because there were multiple transactions on my account that I did not authorize. I tried to cancel the transactions as soon as I saw them, but PayPal closed my case stating that they did not find anything suspicious in my account. They refused to refund my money, even though these transactions were not made by me. 

I explained to PayPal that several charges and attempted transfers appeared on my account, including Bitcoin-related activity and transactions for amounts such as {$100.00}, {$50.00}, {$20.00}, and {$1400.00}. Many of them were attempted XX/XX/XXXX, and some were attempted on XX/XX/XXXX, all of which I did not authorize. 

In addition, because my bank account was linked to PayPal, the unauthorized party also attempted to withdraw {$5000.00} and {$1000.00} directly from my bank account. Since I did not have sufficient funds, my bank account went into the negative. Fortunately, my bank was able to resolve those attempted withdrawals. 

However, the problem with the money that was already in my PayPal account has not been resolved. I lost {$1700.00} that I had just received, and the unauthorized transactions were made on the same day the funds arrived. PayPal has not provided any solution, and they continue to say there is nothing suspicious, even though the activity clearly shows unauthorized access. 
They closed the case without conducting a deeper investigation ( such as checking IP addresses, device history, or login locations ). I am requesting the CFPBs assistance because PayPal is not addressing the unauthorized access to my account and is denying reimbursement for fraudulent activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several accounts appearing on my credit report as inaccurate or incomplete. Below are the details of the accounts in dispute, separated by each bureau. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> LATE PAYMENT 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 2025-12-02 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: GA

Complaint narrative:
I have reviewed my credit report and found these unverified items. Please remove or block these items

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reviewed my credit report and found these unverified items. Please remove or block these items

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 2025-12-02 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several accounts appearing on my credit report as inaccurate or incomplete. Below are the details of the accounts in dispute, separated by each bureau. 

INQUIRIES XXXX XXXXXX/XX/year> LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-12-02 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:
This account is the result of unauthorized activity and should not appear on my report, and I request immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-12-02 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: CA

Complaint narrative:
These accounts were not opened or authorized by me. Please review the details and remove them. Ive attached documentation to help.

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 2025-12-02 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:
Please see supporting documents pertaining to Equifax data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute to request a review and correction of my credit report due to discrepancies and inaccuracies regarding certain accounts, as outlined below. I request that you investigate and correct these issues in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9800.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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