vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, PayPal suddenly limited my account without prior warning and placed a hold of XXXX for 180 days. I immediately submitted all requested verification documents, including my company registration, client invoices, course overviews, and proof of service delivery. Despite this, PayPal refused to lift the hold or provide any clear justification. I was only informed that the funds would be held until XX/XX/XXXX. 

This business decision is not only unjustified, but it is also extremely harmful. The affected amount is essential not just for my business operations but also for my personal living expenses. I rely on this income to pay rent, food, and basic bills. Holding this amount for 6 months without a valid reason is unreasonable and puts me under serious financial pressure. 

PayPal is not responding to emails and has failed to give any meaningful explanation. I am requesting immediate access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
b"I am trying to buy a house and I am not able to as there is damage to my credit. According to the 15 U.S.C 1681 this is a deformation to my character and I am asking for you to remove these items off of my report.\n\nAs of XXXX XXXX XXXX XXXXEquifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
On XX/XX/year>, I deposited a {$9000.00} check into my Navy Federal checking account ending in XXXX. The check was from XXXX XXXX XXXXXXXX XXXX XXXXXXXX, drawn on XXXX XXXX XXXX. Navy Federal placed the deposit on hold and told me the hold period was to verify the checks authenticity. After several days, the funds were released into my account, and both branch staff and customer service confirmed the check was cleared and valid. Relying on that confirmation, I used those funds to pay off my Navy Federal auto loan. 

On XX/XX/year>, I received a letter from Navy Federal stating the check was returned unpaid and marked Altered/Fictitious Item/Suspected Counterfeit. They then withdrew {$9000.00} from my account, causing financial loss. XXXX XXXX XXXX later confirmed the check was clearly fraudulent and should have been caught during standard verification. I also filed an XXXX police report ( Case # XXXX, XXXX XXXX ). This loss occurred solely because Navy Federal prematurely released the funds without completing verification, contrary to Regulation CC requirements for proper hold and due diligence. I am requesting full reimbursement or loan balance forgiveness under Navy Federals fraud and hardship policies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I was trying to take advantage of an offer TD bank had. I believe the offer promised XXXX for opening a checking account, and XXXX more for a savings account at the same time. The offer outlined certsin things i had to do to qualify for the bonus which i did complete in total. I do not recall how I came by the offer. It could have been an email, direct mail, or an offer a saw some where. I don't recall. 
I tried to open the account on line, but for some reason it would not let me and advised I open it at a branch. 
So I went to the XXXX branch of TD bank XXXX XX/XX/year>. I meet with XXXX XXXX assistant store manager. I showed her the promotion info. She said she could open it with the bonus by coding the application. I then opened the accounts, funded them, and processed to perform the necessary steps to get the bonus. 
A few days after I opened the accounts, I sent a message to TD customer service to verify that I was indeed in the que for the bonus to be sure it was set up correctly. The response from them told me I had to wait until the bonus was to be paid to see if I am included. 
When the time came for the bonus to be paid it was not paid. I reached out to customer service who told me I never received the promotion because they did not have me an file. 
I ultimately spoke with XXXX XXXX a customer care advocate who truly did not listen to what i was telling her. I reached out to XXXX and she rembered me, and told me she had coded the application so that I could be considered for the bonus. 
XXXX left a message with me today and said that their marketing team did not have me on file for receiving the promotion. I do have several emails, a mailing address. And a physical address. 
At this point I need help to get this resolved. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 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: SC

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: IL

Complaint narrative:
I am writing to formally request that you cease and desist all communication with me regarding the debt associated with the IQ Data International Inc. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request that you stop all contact with me about this matter. As of this letter, you are to immediately stop all phone calls, letters, emails, and any other form of communication, including any attempts to collect the alleged debt. Please be aware that this is a formal request and I am exercising my rights under the FDCPA to stop any further harassment or unwanted communication. 
In accordance with the law, you are still permitted to contact me to inform me of the following : Whether or not you intend to take legal action against me ; or That you are no longer attempting to collect the debt. If you fail to comply with this request, I will consider further action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or taking legal action. Please confirm in writing within 30 days of receipt of this letter that you will comply with my request and discontinue all communication regarding this matter. Thank you for your attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: AL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Today i went into a Bank of America branch to cash a money order. The money order was from XXXX XXXX  and haven't been written on or endorsed. The teller for some reason act like she wasn't familiar with the procedure and ask another teller. The teller told her that confirmed that she could cash the money order. The teller told me to endorse the money just to tell me that she would have to hold them and if I wish. I could take them to a local cashing check company for a fee. This is one reason why I stop my direct deposit with BOA. Its always something and the customer service sucks.

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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: AL

Complaint narrative:
Discover a couple of other companies has delayed me on giving me a credit card as well as stopping me from gaining access to credit cards based off of the USC 15 1681 D and also a denial based on the facts of the US code which structured and benefits not to With not to hold me back from accelerating in life Being equipped to Shelter myself in the hands of myself better Based on the USC codes and consumer act and furthermore under the fair Credit reporting act The fair credit consumer act as well as the consumer credit protection act as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 2025-11-06 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-06 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: MS

Complaint narrative:
I am disputing the following information appearing on my Experian credit report. 

1. Unauthorized Inquiry XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/year> I do not recall authorizing this company to access my credit report. Please verify that a permissible purpose exists under FCRA 604 ( a ) and provide proof of my consent. 
If documentation can not be provided, I request that this inquiry be removed immediately from my report. 

2. Late Payment Reporting XXXX Account # XXXX This account is showing a late payment that I believe is being reported in error. 
Please conduct a reinvestigation to confirm the accuracy of the payment history and remove any late payment data that can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing an inaccurate 30-day late payment being reported by XXXX XXXX Bank XXXX XXXX ). 

My account was voluntarily closed by me on XX/XX/year>, and I never missed any payments prior to closure. However, the furnisher is incorrectly reporting a 30 Days Late status between XX/XX/year> and XX/XX/year>. 

No payment was due after the account was closed, and this late mark is inaccurate and damaging my credit profile. Under the Fair Credit Reporting Act 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. 

I am requesting that this late payment be deleted and the account updated to reflect Closed Paid as Agreed or Closed by Consumer. 

Supporting documentation is attached ( closure date screenshot, late-mark screenshot, closure confirmation, and a detailed statement PDF ). Please investigate with XXXX XXXX XXXX  and confirm removal with all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing an inaccurate 30-day late payment being reported by XXXX XXXX Bank XXXX XXXX ). 

My account was voluntarily closed by me on XX/XX/year>, and I never missed any payments prior to closure. However, the furnisher is incorrectly reporting a 30 Days Late status between XX/XX/year> and XX/XX/year>. 

No payment was due after the account was closed, and this late mark is inaccurate and damaging my credit profile. Under the Fair Credit Reporting Act 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. 

I am requesting that this late payment be deleted and the account updated to reflect Closed Paid as Agreed or Closed by Consumer. 

Supporting documentation is attached ( closure date screenshot, late-mark screenshot, closure confirmation, and a detailed statement PDF ). Please investigate with XXXX XXXX XXXX  and confirm removal with all credit bureaus.

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 2025-11-06 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:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
Kindly go through the supporting documents these inquiries were done without my authorization and may be false.

Company response to consumer: Closed with explanation