vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/year> I made an online purchase using my PayPal account. Immediately after making the purchase I realized I had been overcharged. I promptly contacted the online store and requested a refund with no problems. I was told that my refund should reflect on my PayPal statement within 3 business days. On Monday XX/XX/year>. I checked my PayPal statement and there was nothing on there in regards to my purchase or refund but the money was still missing. I then reached out to PayPal only to get the runaround, when my one and only question was, why wasn't the transaction showing up on my account now. After 3 disconnections and 3 different customers service representatives, I left it alone. The next day, XX/XX/year> I reached out to the online store where I made the purchase and they informed me that they refunded the money to my PayPal account and gave me the transaction number. It still wasn't showing up on my account activity. I reached out to PayPal again to find out my account had been deactivated and the {$480.00} that's left in my account is frozen for 120 days. Mind you that's all I have/have not until XX/XX/XXXX so I have nothing. When I asked why was my account deactivated I was told they suspected fraud on my account on XX/XX/year>. A whole 2 months ago. I would think they would've deactivated my account on XX/XX/XXXX not 2 months later on XX/XX/XXXX. And may I add the first young lady I spoke to today from PayPal was the nicest and most courteous person I had the pleasure of speaking too. The other woman and man belittled me and refused to hear me out. Hope this helps someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: MI

Complaint narrative:
I am writing this complaint to request my consumer report. 

Upon reviewing my credit report file with XXXX XXXX XXXX XXXX  there is incorrect information you are furnishing to them. This is my attempt at fixing this problem. 

I want to ensure the information in my file is accurate and complete. I request that you promptly provide me with a complete consumer report. 

Please ensure that the information you are reporting is complete and accurate. If the information is not I request you verify and provide the source. If you do not this will escalate into a small claims suit. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have tried multiple times to use this AMEX gift card online and it isn't accepted anywhere. After checking multiple XXXX  and other forums, I found people with similar issues and complaints. Apparently, the gift cards started to become disallowed in multiple stores or something and now I have XXXX unusable dollars. So annoying and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: MS

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. 
Account name : XXXX XXXX XXXX And according to the fair credit reporting act 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 XXXX about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information 1l ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall This method is faster, with ( l ) promptly delete that item of information from the file of the consumer orinodify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I recently became aware of an account opened in my name without my knowledge or authorization. I reached out to the company via the credit bureaus and they did not verify anything with me. 

I contacted the company to request verification of the original documents and information used to open this account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. 

I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records. 

I would like these accounts removed from my credit report as they can not provide me the original documents on how these accounts were opened and what was used to obtain these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 which mandates reasonable investigation of disputes. Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent adminstrative proceeding ( File NO.-2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TN

Complaint narrative:
I have identified the following inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 : Inaccurate Delinquency Reporting Post-Closure : The account was paid in full and closed on XX/XX/year>. However, my credit report shows a payment status of 6089 days late as of the same month. This is factually incorrect and misleading, especially considering the loan was satisfied and closed. 
Inconsistent Payment History Reporting : The report states I made 67 % of payments on time, yet the loan was only open for approximately 7 months. This percentage does not align mathematically and misrepresents my payment reliability.

Omission of Key Data : The account history omits the monthly payment amount, which is essential context for evaluating reported late payments. Providing partial data while still flagging lates is inconsistent with FCRAs requirement that all furnished information be accurate and complete. 
Misleading Status Reporting : Reporting a delinquency after the loan has been fully paid off and closed can give a false impression of my creditworthiness. This violates the spirit of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing data that is incomplete or misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accoun0ts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name XXXX XXXX  XXXX XXXX XXXX Date : XXXX, XXXX XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date ; XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 
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 explanation
Consumer complaint received 2025-05-07 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: TN

Complaint narrative:
I am disputing inaccurate and incomplete information being reported by XXXX Bank, XXXX. on my credit file. The account is listed as open with a {$0.00} credit limit, {$0.00} balance, and no activity since XX/XX/year>, yet the credit bureaus continue to report it as active. The credit limit is either shown as {$0.00} or information not available, which misrepresents my available credit. 
Additionally, several months of payment history from XXXX  are marked as no data, even though the account was open, and the payment status shows No Info, which contradicts the report stating 100 % on-time payments. These discrepancies are misleading and violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires data furnishers and credit bureaus to maintain complete and accurate records.

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 2025-05-07 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: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Subject : Inaccurate Credit Report Items and FCRA Violations by XXXX Complaint : I am submitting this complaint regarding inaccurate and potentially unlawful entries on my XXXX credit report ( Report # XXXX, dated XX/XX/XXXX ). Despite my formal disputes, the following issues persist : 1. Personal Information Errors : Multiple incorrect name variations are listed, including " XXXX XXXX '' and " XXXX XXXX, '' although my legal name is " XXXX XXXX XXXX. '' 2. Duplicate Negative Accounts : XXXX XXXX is reporting two different charge-off accounts that appear to refer to the same debt. 


3. Unverified Charge-Offs : Accounts from Bank of America , XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, and others remain reported as charged off without validation or correct debt history. 


4. Contradictory Reporting : XXXX XXXX XXXX reports a charge-off while listing the account as " Never Late. '' 5. Unauthorized Hard Inquiries : Inquiries from entities including XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ( XXXX ) were not authorized by me. 



I have submitted dispute letters requesting verification and correction in accordance with FCRA 1681i and 1681b, and have received no adequate resolution. I request the CFPB ensure XXXX and any furnishers respond properly to my disputes, validate the debts, and remove unverifiable or inaccurate data. 

Sincerely, XXXX XXXX XXXX [ Your Current Address ] SSN Last 4 : XXXX XXXX : XX/XX/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 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a fraudulent collection account that has recently appeared on my credit report. The account in question is reportedly associated with XXXX XXXX, a provider with whom I have never had an account. I have been a loyal AT & T prepaid customer for the past XXXX years and have no knowledge of nor did I authorize any XXXX XXXX account in my name. 
Under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The appearance of this fraudulent XXXX collection account, which is being reported only by Equifax and not by the other major bureaus, indicates a failure to ensure the integrity and accuracy of the data. This alone makes the information inaccurate and misleading, in violation of federal law. 
Additionally, I invoke my rights under 15 U.S. Code 1681s-2 and 1681i, which require the credit bureau to investigate disputed information and notify the furnisher of the dispute. Based on these provisions, I request that Equifax conduct a reinvestigation and provide written confirmation of the results.

I have also been a victim of identity theft, and I continue to face ongoing threats due to the Equifax data breach that compromised the personal information of millions, including myself. In accordance with 15 U.S. Code 1681c-1 ( Identity Theft Prevention ), I have added a fraud alert to my credit file with all three major credit reporting agencies. Despite these measures, fraudulent accounts like this one still manage to appear.

Furthermore, under 15 U.S. Code 1692c of the Fair Debt Collection Practices Act ( FDCPA ), I allege that unlawful communication may have occurred related to this collection account, as I was never notified nor did I receive any validation of this debt before it appeared on my credit profile. This lack of proper communication is a violation of my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief