vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, XXXXXXXX XXXX, I ordered a TV through XXXX via PayPal for {$100.00}, which included a {$25.00} off promotion for XXXX XXXX orders. This promotion was the reason I chose XXXX rather than buying directly from XXXX XXXX. 

Initially, I was charged {$100.00}, and the delivery driver confirmed the correct price of the TV was {$110.00}. However, upon delivery, my PayPal account was charged {$200.00}, far exceeding the agreed-upon price. This overcharge occurred without my consent. 

I contacted XXXX, and they admitted it was a system error, but refused to correct the overcharge and instructed me to accept the delivery or risk not receiving a refund. I informed XXXX that I am willing to return the TV only if they arrange and pay for the pickup, since it would be unreasonable for me to bear extra expenses to return it to XXXX XXXX. 

I then filed a dispute with PayPal. PayPal denied my claim without properly reviewing the evidence, which includes screenshots of the correct price, the drivers receipt, and XXXX chat confirming the system error. I am concerned that PayPals decision may have been influenced by its business partnership with XXXX, which appears to have biased their handling of my dispute. 

To be clear, I am requesting that either : 1. The overcharged amount of {$94.00} be refunded immediately, and I keep the TV, or XXXX. XXXX arranges and pays for the pickup of the unopened TV and issues a full refund of {$200.00}. 

I am seeking CFPB assistance to ensure that PayPal properly investigates this dispute and that I receive a full refund, as the overcharge was unauthorized, incorrect, and caused solely by XXXX  system error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-05 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: NE

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: NE

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: GA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-05 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: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: GA

Complaint narrative:
I am sending to formally dispute the account reported by XXXX XXXX XXXX, identified as XXXX, with a reported balance of {$160.00}, which was opened on XX/XX/year>, and is noted as tied up to open account. I believe this account has been inaccurately reported and may reflect incorrect or misleading information affecting my credit report. Despite my efforts to resolve this matter directly with XXXX XXXX XXXX, the reporting remains inaccurate, causing potential harm to my creditworthiness. I request that the Consumer Financial Protection Bureau investigate this matter, ensure the accuracy of the information reported, and require XXXX XXXX XXXX to correct any inaccurate or misleading reporting associated with this account.

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 2025-12-05 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:
I am sending to formally dispute the account reported by XXXX XXXX XXXX, identified as XXXX, with a reported balance of {$160.00}, which was opened on XX/XX/year>, and is noted as tied up to open account. I believe this account has been inaccurately reported and may reflect incorrect or misleading information affecting my credit report. Despite my efforts to resolve this matter directly with XXXX XXXX XXXX, the reporting remains inaccurate, causing potential harm to my creditworthiness. I request that the Consumer Financial Protection Bureau investigate this matter, ensure the accuracy of the information reported, and require XXXX XXXX XXXX to correct any inaccurate or misleading reporting associated with this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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:
These inaccurate accounts are still showing up on my credit file and none of them were removed, which has left me extremely XXXX. I am urgently asking for a full review of the documents I provided so I can finally have some peace of mind.

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 2025-12-05 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: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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 saw this morning that the inaccurate accounts are still appearing on my credit report, and they were not taken off at all. I am urgently asking that the documents I attached be looked over very carefully so I can finally stop stressing about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: MD

Complaint narrative:
The company listed below is reporting information that is inaccurate, incomplete, and/or unverifiable. I have attempted to resolve this directly with the furnisher and the credit bureaus, but the issue remains unresolved. 
Details of the Problem : incorrect information reported account is charged off Creditor/Company : XXXX XXXX XXXX XXXX Account Number ( Last XXXX Only ) : XXXX Problem Type : Incorrect reporting of a charge-off Explanation of Issue : The charge-off reporting contains XXXX or more of the following errors : Incorrect balance Incorrect dates ( delinquency, charge-off, last payment, etc. ) Status does not match the actual state of the account The account is paid/settled but still showing as charged off The creditor/collector failed to validate the debt when asked Information differs between the XXXX credit bureaus Reporting does not comply with the Fair Credit Reporting Act ( FCRA ) Why this violates the law : Under the FCRA ( Fair Credit Reporting Act ), furnishers of credit information must report data that is accurate, complete, and verifiable. They are also required to conduct a reasonable investigation when a consumer disputes information. 
The company has failed to provide proper validation and remove unverified data

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 2025-12-05 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: MD

Complaint narrative:
The company listed below is reporting information that is inaccurate, incomplete, and/or unverifiable. I have attempted to resolve this directly with the furnisher and the credit bureaus, but the issue remains unresolved. 
Details of the Problem : incorrect information reported account is charged off Creditor/Company : XXXX XXXX XXXX XXXX Account Number ( Last XXXX Only ) : XXXX Problem Type : Incorrect reporting of a charge-off Explanation of Issue : The charge-off reporting contains XXXX or more of the following errors : Incorrect balance Incorrect dates ( delinquency, charge-off, last payment, etc. ) Status does not match the actual state of the account The account is paid/settled but still showing as charged off The creditor/collector failed to validate the debt when asked Information differs between the XXXX credit bureaus Reporting does not comply with the Fair Credit Reporting Act ( FCRA ) Why this violates the law : Under the FCRA ( Fair Credit Reporting Act ), furnishers of credit information must report data that is accurate, complete, and verifiable. They are also required to conduct a reasonable investigation when a consumer disputes information. 
The company has failed to provide proper validation and remove unverified data

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
It happened today, my account ( Citi Bank ) was working in the morning, then around XXXX in the afternoon I go to my account and there say where have technical difficulties, try again later so I do, I call them and there inform me that my account was closed because a fake check was deposited, I try and ask them how this happened and your didnt notify me so I could of informed them that it wasnt me. There ask what type of phone and have I been traveling I say no and have XXXX. All there say is a fake check was deposited for XXXX And where closing your account, so the XXXX I had in there I lost and have to wait to get because of something that I didnt do any that your didnt inform me right away. Also the app didnt even inform me that I was locked out.

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 2025-12-05 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 respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I am filing a complaint because both TrueAccord and XXXX XXXX XXXX have sent text messages about my debt to my mother, a third party. 

The messages included my full name, the creditor name ( XXXX XXXX / XXXX XXXX XXXX ), a payment link, and language indicating that the sender is a debt collector. These disclosures violate FDCPA 15 USC 1692c ( b ), which strictly prohibits debt collectors from communicating with anyone other than the consumer about a debt. 

The XXXX XXXX XXXX message stated my name ( XXXX XXXX XXXX, listed XXXX XXXX, and provided a payment portal link. 

The TrueAccord message also referenced XXXX XXXX and included a verification code and debt payment link, again sent to my mother. 

These are unlawful disclosures of debt to a third party. I did not authorize any communication with my mother regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-05 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The account was closed at the banks discretion after I initiated a routine ACH wire transfer to my own business account at XXXX XXXX, of which I am the sole owner of both accounts. 

This was a standard transaction that I had successfully completed in the past without issue. 
There was no overdraft, unpaid balance, or fraudulent activity associated with this account. 

- Bank Name : Bank of America - Account Type : Personal Checking - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX last XXXX dig - Date Opened : XXXX, XXXX, XXXX - Date Closed : XXXX, XXXX, XXXX - Identification : ITIN XXXX XXXX XXXX XXXX XXXX XXXXXXXX last XXXX dig

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: VA

Complaint narrative:
First Advantage is reporting criminal convictions from 2010, which are over XXXX XXXX XXXX and violate FCRA 605 ( a ) ( 2 ). These outdated records were reported on background checks for XXXX ( resulting in post-adverse action ) and XXXX ( currently pre-adverse ). I previously disputed these records, but First Advantage failed to verify or correct them, violating FCRA 607 ( b ) ( duty to ensure maximum accuracy ) and 611 ( duty to reinvestigate disputes ). I request that all criminal records over XXXX XXXX XXXX be removed immediately and written confirmation provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: FL

Complaint narrative:
The credit reporting agency has failed to fully comply with my formal privacy dispute and the supporting documentation I provided. While some accounts have been removed, several remain on my report despite my clear and written notice that I did not authorize their continued reporting and had formally revoked all consent under FCRA 604 ( a ) and the Gramm-Leach-Bliley Act ( GLBA ). 
These remaining accounts are being reported and transmitted without a valid permissible purpose, in violation of my federally protected privacy rights. Based on the unauthorized and non-consensual use of my personal identifying information, these items should have been permanently blocked or deleted under FCRA 605B, and I now request full compliance and confirmation of such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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 submitting this follow-up complaint after a prior dispute on the inaccuracies on my credit report, I continue to find multiple items that are inaccurate, incomplete, and unverifiable, and these unresolved errors are causing ongoing stress, confusion, and harm to my financial standing. My report still lists several addresses that do not belong to me, including XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XXXX and XXXXXXXX XXXX XXXX XXXX NC XXXX, which indicates a mixed-file or data-merging error that places my identity at risk and violates the maximum-accuracy requirement under FCRA Sections 602A and 607 ( b ). In addition to the address discrepancies, several accounts remain inaccurately reported despite my prior disputes, including XXXX XXXX * * with a {$0.00} balance, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$560.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$220.00} that is still not reported to TransUnion, XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$970.00}, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$360.00}, all of which continue to appear without proper verification or supporting documentation from the original creditors.

Company response to consumer: Closed with explanation