vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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
State: OH

Complaint narrative:
PayPal failed to reconcile my account balance after a merchant authorization was released. XXXX placed an authorization for {$160.00}, settled the transaction at {$70.00}, and the authorization dropped from my account. My available balance did not increase, leaving {$87.00} missing. This has happened previously and was never corrected. A PayPal agent disconnected my call during escalation, and phone support repeatedly routes me to balance inquiry without resolution. I am requesting immediate balance reconciliation and return of missing funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: AL

Complaint narrative:
his correspondence serves as a formal affidavit and final demand for the immediate deletion of fraudulent and unauthorized accounts that have been unlawfully reported on my credit file with your bureau. I am the victim of identity theft. The accounts listed below were opened without my knowledge, authorization, or consent and represent criminal misuse of my personal information. I did not initiate, apply for, nor authorize any of these accounts. Their continued presence on my credit report constitutes a gross violation of my rights under federal consumer protection laws and is directly harming me financially, emotionally, and reputationally. Under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), this letter acts as an AFFIDAVIT OF IDENTITY THEFT, formally notifying you of the fraudulent nature of these accounts and demanding their full deletion within four ( 4 ) business days of receipt of this notice. This is your legal obligation, and non-compliance will be treated as willful neglect of your statutory duties. As outlined under federal law ( FCRA and FACTA ), you are required to : Promptly block and delete any information resulting from identity theft once notified ; Investigate disputed information and remove unverifiable, inaccurate, or misleading data ; Provide a written response confirming deletions within the time required by law ; Ensure all reporting is accurate, fair, and compliant with all consumer rights. The following accounts are fraudulent and must be removed without delay : 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 explanation
Consumer complaint received 2025-12-27 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: NJ

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Product : Business bank account Issue : Unauthorized transactions/ identity theft Company : JPMorgan Chase bank My Chase business account was taken over through identity theft. 
Unauthorized parties disabled or bypassed my 2-factor authentication, reenrolled XXXX, and initiated ACH and XXXX transfers without my authorization. 
I had no ability to detect or stop the fraud. 
Chase denied reimbursement solely based on timeline, ignoring account takeover, identity theft, and loss of authentication control, which violates UCC Article 4A and reasonable security obligations.

Somebody was able to enroll me in XXXX or XXXX me duplicate my personal pay checks and steal a year of checks they rerouted checks through XXXX as seen on XX/XX/year> {$1000.00} exactly paycheck sent through XXXX. My name appearing as XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX checks with chase routing numbers on them which is impossible Chase failed to secure my account which led to a complete take over of All my accounts. XXXX fraud ach fraud check fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
I am submitting a follow up on a previous dispute concerning an items on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt.I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the items be removed from my credit file in accordance with the Fair Credit Reporting Act. 
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 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 2025-12-26 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: MO

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I purchased my new townhome in XXXX XXXX  and signed up for an escrow account with Wells Fargo. At the time, Wells Fargo, acting as my mortgage service provider, said they would handle all my property taxes going forward for the remainder of my loan via escrow. In XXXX XXXX XXXX, my property tax assessment was increased due to construction being completed on the new build I bought earlier this year. Two payments were assigned, first one was {$6000.00} due on XXXX XXXX XXXX, and the second payment of {$6000.00} is expected on XXXX XXXX XXXX

Wells Fargo made a partial payment of {$1100.00} on XX/XX/scrub>XXXX XXXX XXXX, and failed to pay the full amount of {$6000.00} which was due on XXXX XXXX XXXX. As a result of the partial payment, I received a delinquency notice from my county indicating I had an outstanding balance to be paid by XXXX XXXX. There was a penalty tax applied of {$160.00} due on top of the outstanding balance since the county did not receive the full payment on XXXX XXXX XXXX 

I contacted my mortgage service provider, Wells Fargo, and notified them of the error they made in the payment. They verbally expressed they would take care of it. I notified them that they should not extract the penalty fee from my escrow account since it was their error in not paying the full amount by the due date. They said they would investigate. 

When I checked my online mortgage account I noticed Wells Fargo paid the outstanding balance from my escrow funds, and they also deducted the penalty fee from my escrow account. I called them to contest that withdrawal since it was Wells Fargo 's mistake to not pay the full tax assessment on my property by XXXX XXXX. This is the whole reason why I signed up for an escrow since it was stated that Wells Fargo would handle all my property tax payments.

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 2025-12-26 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: OH

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 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Money from refunds never reflect in account balance

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 monetary relief
Consumer complaint received 2025-12-27 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: NC

Complaint narrative:
I am demanding the immediate deletion of the collection account reported by XXXX XXXX XXXX XXXX with an alleged balance of {$740.00}, as this account is inaccurate, unverified, and not my debt. 

I do not recognize this account, did not enter into any agreement with XXXX XXXX XXXX XXXX or any alleged original creditor, and I am not legally responsible for this debt. This account is being reported without competent evidence establishing my liability.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), TransUnion is required to follow reasonable procedures to ensure maximum possible accuracy. Reporting a collection account without documentary proof of legal obligation violates this requirement.

Further, under 15 U.S.C. 1681i ( a ), TransUnion may not continue to report information that is unverifiable. To date, no signed contract, itemized billing statement, or complete chain of assignment has been produced to demonstrate that I owe this alleged debt.

Because this account : Is not mine Lacks competent verification Is causing ongoing financial harm Has already been disputed by the consumer I am demanding immediate deletion of this account from my TransUnion credit file.

Please note that verification must consist of documentary evidence, not automated or electronic confirmation through third-party systems. Continued reporting of this account without proper verification constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o.

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 2025-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: NY

Complaint narrative:
I received a letter on XX/XX/year>XXXX  addressed to " XXXXXXXX XXXX XXXX XXXX XXXX XXXX '' to my home address. This company is not owned by me and I have no connection to this company in any way. The letter is asking for {$2900.00} for a delinquent tax obligation with the State of South Carolina Department of Revenue. The sender is Linebarger Goggan Blair & Sampson, LLP and their address on the letter is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. They say to contact XXXX XXXX at extension XXXX or to make payment on www.lgbswebpayments.com.

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 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I received a phone call from someone claiming to be Regions Bank, stating there was a fraudulent debit card charge for approximately {$500.00}. I told them the charge was not mine and spent about an hour on the phone trying to stop the fraud. 

During the call, the individual sent me multiple text messages and security codes, which I believed were part of fixing or securing my account. At the end of the call, he stated he could not fix the issue and told me to go to a branch in person. Later that day, I discovered there was a {$4100.00} wire transfer that I did not make and never authorized. 

I immediately went to a Regions Bank branch, reported the fraud, and filed a police report. I have been attempting to resolve this matter with Regions Bank for several months, including disputing the transaction and requesting review, but the issue remains unresolved. 

Regions Bank denied my claim stating the transaction was authorized, which is incorrect. This was bank-impersonation and account-takeover fraud. I was attempting to prevent unauthorized activity, not approve any transaction. I am requesting a formal reconsideration and a written explanation of the safeguards used.

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 2025-12-27 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: CA

Complaint narrative:
I regularly monitor my credit report because my credit score is extremely important to me. Despite this, I continue to see multiple accounts reporting inaccurate and false information. This has been a recurring and unresolved issue, even after raising it multiple times. The continued reporting of incorrect information is stressful, exhausting, and is unfairly damaging my credit score and overall financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: MS

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 2025-12-26 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: MS

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 2025-12-26 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: FL

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 2025-12-26 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: SC

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 2025-12-26 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: SC

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 2025-12-26 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: TN

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 2025-12-26 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: TN

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 2025-12-26 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 feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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