vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: MS

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 2025-12-23 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: MS

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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.

Complaint narrative:
I recently obtained a copy of my Experian credit report dated XXXX XX/XX/XXXX, which shows a Very Poor score ( XXXX ). I noticed several inaccurate, outdated, and duplicate negative entries that are seriously damaging my credit standing. There are XXXX court judgments from the XXXX XXXX XXXX XXXX ( Case Numbers : XXXX and XXXX ) that were fully satisfied on XXXX XX/XX/XXXX, but they are still appearing on my report. These should have been removed or clearly marked as satisfied and no longer impacting my score. Several credit accounts are incorrectly reported or duplicated : XXXX Loan and XXXX XXXX XXXX XXXX appear to be the same account, both reporting defaults for the same period. XXXX XXXX and XXXX also both show defaults dated XXXX XX/XX/XXXX with nearly identical balances ( XXXX ), which suggests an error or duplication. XXXX XXXX continues to show a XXXX default from XXXX, even though this should have been automatically removed after XXXX years. Some accounts that are marked as satisfied or settled ( e.g., XXXX XXXX, XXXX XXXX XXXX ) still show ongoing default codes ( XXXX ) every month. Additionally, my report shows numerous repeated credit searches by lenders such as XXXX XXXX, XXXX XXXX, and XXXX across XXXX and XXXX. I only applied XXXX  or XXXX, so these repeated searches could be causing unnecessary score reductions. I have contacted Experian but have not received a proper resolution or correction.

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 2025-12-23 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: MI

Complaint narrative:
XXXX XXXX Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates XXXX U.S.C. XXXX ( XXXX ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under XXXX U.S.C. XXXX. The accounts being reported do not belong to me. 

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated XXXX U.S.C. XXXX by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law. 

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
CFPB Complaint PayPal Unauthorized Transactions Company : PayPal Product/Service : Digital wallet / Payment processing Issue : Unauthorized transactions/ Dispute handling What happened : I am filing a complaint regarding PayPals mishandling of unauthorized fraudulent transactions on my account. 

On XX/XX/XXXX, Several charges ( {$200.00}, and 5 separate {$100.00} charges ) were made to my credit card through PayPal that I did not authorize -- all to one vendor -- XXXX. During the time these charges were attempted, PayPal sent me a fraud verification message asking if one of the charges were made by me. I responded NO, confirming the activity was unauthorized.

Despite my denial, PayPal allowed the charges to process and post to my credit card. When I reported the activity, PayPal incorrectly classified the issue as a purchase dispute or dissatisfaction with a merchant, rather than unauthorized account activity. PayPal then sided with the merchant and denied my claim, even though I never authorized the transactions and had explicitly denied them when PayPal asked. These were fraudulent purchases that were never authorized by anyone in our household. I tried calling the number listed for the vendor from my credit card listing and got a recording for the vendor.

This is not a case of buyers remorse or a merchant dispute. I did not make these purchases, did not authorize them, and did not receive any goods or services. This represents a failure of PayPals fraud prevention and dispute handling process.

My credit card issuer is currently reversing the charges as fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 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: CA

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 2025-12-23 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: CA

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 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 2025-12-23 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: CA

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 XXXX ( 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 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
Vehicle was repossessed and I made the necessary payment the same day. 

Company [ XXXX in particular ] is refusing to acknowledge my $ XXXX + payment already applied directly to my account or send the release form to the vehicle storage lot. 

They want me to wait XXXX days for no reason other than to inconvenience me and my family through the holidays. 

This is creating deep distress for me and my childrens health. Unable to work - purchase groceries, manage daily life. 


Demanding my payment acknowledgment as priority and my vehicle be released without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: PA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
I am filing this complaint regarding inaccurate reporting on my credit files with both Experian and Equifax related to my account with XXXX XXXX XXXX XXXX, account ending XXXX, which currently shows a balance owed of {$13000.00}, as these reports do not accurately reflect my payment history, account balance, or account status according to my records and statements from XXXX XXXX XXXX XXXX. Despite my attempts to review my credit files, I noticed that payments I have made are either missing or incorrectly recorded, resulting in a misleading representation of my creditworthiness, which has affected my ability to pursue financial opportunities and caused undue stress and concern. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1666, 15 U.S. Code 1666a, FCRA 611 ( 15 U.S.C. 1681i ), and FCRA 623 ( a ) ( 2 ), I have the legal right to dispute inaccurate information, request verification from the furnishing creditor, and have my credit files updated to reflect accurate information. I have submitted dispute letters to both Experian and Equifax, providing supporting documentation from XXXX XXXX XXXX XXXX, yet the discrepancies remain unresolved, leaving my credit report incomplete and misleading. I am deeply concerned that these inaccuracies could have long-term consequences on my financial stability and opportunities.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
On the date of XX/XX/year>, a fraudulent check for {$4800.00} was deposited into my account in person by someone other than myself, in fact it was a female at a branch that I do not go too nor live near ( this information was provided to me by the teller at the XXXX XXXX in XXXX XXXX PA she was able to confirm that it wasnt my signature on the check as well as it wasnt even me that cashed it ). I seen this deposit enter my account via the mobile app at the time as well as some of the money being withdrawn via XXXX XXXX. I went into the branch as soon as they opened to report this fraudulent transaction/occurrence and I also filed a police report. After spending a few hours inside of the branch I was told not to worry about the amount and they would close the account. Now its been a little over XXXX  years and they are trying to collect on said amount I asked for them to perform an investigation on case # XXXX last week, and spoke to the branch XXXX who personally worked with me at the time and can confirm that Indeed did not deposit any check into my account. There is currently a class action lawsuit against cash apps and other banking entities leaving consumers information vulnerable to be exploited during this time.I have a copy of the check that was deposited which is a XXXX XXXX check and the back showing a signature that isnt even remotely close too my own. Im actively serving in the XXXX XXXX XXXXXXXX and something like this can ruin my clearances. Huntington Bank is being negligent and violating the electronic funds transfer act by allowing this fraudulent check to be deposited into my account via a third party. If you compare the signature card from my account too the check that was deposited are not identical. Apparently the dispute was denied in XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am writing to formally file a complaint against Barclays Bank regarding a credit account that was opened in my name on XX/XX/year>, without my receiving essential account information, including an account number, physical credit card or billing statements. On XXXX XXXX, while I was in XXXX XXXX, XXXX. I agree to update my XXXX membership. During this process, a Barclays credit account was opened in my name. However, I never provided with an account number. never received any monthly billing statements or disclosures explaining payments amounts or due dates. 
I only became aware of this account when my XXXX  XXXX credit card has a XXXX XXXX report and I look up my credit number and it goes down from XXXX to XXXXXXXX XXXX XXXX send me alerts notifying me of a {$4600.00} dollars debt reported by Barclays Bank XXXX This is the first time I had any knowledge that such a balance existed. 
Immediately after learning of this debt, I contact Barclays to resolve the matter and pay the balance in good faith. I was informed that the account was " closed '' and they could not accept payments. I was transferred to their collections department. where I was told the same thing. Despite multiple attempts, I have not been given an account number, a detailed explanation of the charges, or a reasonable way to resolve this debt. I am a XXXX old man who has maintained good credit throughout my entire life. This situation has caused me significant stress and frustration. I believe it is unfair and improper for a financial institution to report an attempt to collect a debt when it failed to provide basic account information or an opportunity to make 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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a XXXX from a company I work with for my Business account and they confirmed they ACHd the money but it did not show in my account. That same day CitiBank restricted my account and whenever I would try to send XXXX, it would not allow me to. On XX/XX/XXXX I received another deposit and I was completely locked out of my personal and business account! 

When I called on XX/XX/XXXX the fraud department stated my account was under review and to call back XXXX hours later. I was completely restricted from both my personal and business account with no access to funds. 

I called today, XX/XX/XXXX and they stated my account was closed but would not tell me why. This isnt the first time theyve locked my account. Back in XXXX they locked it over a {$2.00} dollar charge. Absolutely absurd! They made me wait XXXX business days for a letter in the mail. 

Please be wary of Citibank and their tactics of holding you money XXXX! This happened to a friend of mine and he had to wait 8 months to get a check in the mail! 

Im requesting Citi bank allow me to go in a branch and get a cashiers check. This is unacceptable.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I had chase checking account for over a month. Everything was good until today. They closed my account. I have no access to it and they said I have about 24 days to get my remaining funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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 explanation
Consumer complaint received 2025-12-23 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 2025-12-23 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: SC

Complaint narrative:
My account was closed the first time and it wasn't my fault that a customer give me a bad check I didn't even trying to withdrawal the money and the bank still closed my account it took forever to receive funds but then tell me I can reapply after XXXX years so im thinking im good to go to a bank that I had good relationship with to get done again with closing my account again but this time they held my funds for XXXX weeks then reported me saying i be having bad checks when it only happened XXXX time and I had been with this bank for over XXXX years now I can't open a account nowhere so my business suffered do to the problem of some company wrote my a bad check and I lost my clients and was almost sued for the funds that was not even mine and had to close my business for awhile until I can find someone who will even deal with me I can't get a business loan opportunity or nothing feel I was not treated fairly and I was put through alot and now im out of work a marriage and just couldn't get my self back on my feet at all now im XXXX this issue took me down to nothing and made my name and business suffering anything can be done plz let me know

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