vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: MI

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed all of the items that are not reported with maximum accuracy by law.

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 2025-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal On XX/XX/XXXX, I tried to purchase {$180.00} worth of vintage sewing books. I was shocked a few minutes later, to receive an email from PayPal stating they had paid the seller {$1000.00}. I immediately contacted PayPal and reported fraud. Since then, I have repeatedly contacted PayPal, and gotten nothing but the run around. I have spoken to numerous people, most of whom barely speak English, and they keep telling me, that they have to wait to hear from the seller, which could take up to XXXX business days. They tout their guarantee that transactions are protected, yet they are doing nothing about getting my money back. I have received emails from them, telling me that I should try to resolve the problem myself, followed by emails saying they will close the complaint by the XXXX of XXXX. This is ridiculous. I would never ever pay {$1000.00} on line for books. I might add, that I have received NOTHING from the seller. No books.... 

Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-15 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: TX

Complaint narrative:
I am refiling this complaint against TRANSUNION for their ongoing failure to conduct a lawful and reasonable investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and for failing to provide verifiable proof of the accuracy of the disputed accounts and public record. Despite my prior disputes, TRANSUNION has willfully ignored its duty to delete or correct inaccurate information that can not be substantiated. 

The following items remain on my TRANSUNION credit report without proper verification : XXXX XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} XXXX XXXX  Acct # XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX  Acct # XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX XXXX  Acct # XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX Acct XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} BANKRUPTCY CHAPTER XXXX DISCHARGED Filed on : XX/XX/XXXX Reference Number : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  TRANSUNION has failed to provide any documentation from the original creditors or the court showing that the information is accurate, complete, and reported in compliance with Metro 2 standards. This lack of proof demonstrates that no meaningful investigation took place, which is a direct violation of FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Supplemental Filing CFPB Complaint # XXXX Complainant : XXXX XXXX Date of Original Complaint : XX/XX/year> Date of Capital One Response : XX/XX/year> Date of Supplemental Filing : XX/XX/year> Summary of Supplemental Complaint : On XX/XX/year>, Capital One responded to my original complaint by stating to the CFPB that funds held in excess of legal order [ were ] released. This was documented in their official response and formed the basis for CFPB closing my complaint. 

As of today, XX/XX/year>, those funds have not been released. Today I spoke directly with a Capital One manager named XXXX  ( Employee ID XXXX ), who confirmed the following : Capital One has not released the funds they told the CFPB had been released. 

Capital One will continue to seize any new deposits made to my account, despite the fact that the original garnishment order has already been satisfied in full. 

Key Issues : Misrepresentation to a federal agency : Capital One falsely stated to the CFPB that funds had been released.

Ongoing unauthorized seizures : They have admitted they will continue to take additional funds from my account without a new garnishment order.

Failure to contact NC Department of Revenue : As noted in my original complaint, NC DOR confirmed they have not received any contact or payment from Capital One. 

Financial harm : The continued hold and seizure of my funds has resulted in returned payments, fees, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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 recently moved and tried to rent a house and was informed of the negative accounts found on my Equifax, Transunion, experian credit reports. upon checking my personal information was effected by the most recent Equifax data breach. There are several incorrect accounts effected found on XX/XX/XXXX Account XXXX : Acceptance Now Account Number : XXXX Opened XX/XX/XXXX Debt : XXXX Account XXXX : XXXX  Account Number : XXXX Opened : XX/XX/XXXX Debt : XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting that these inaccuracies be thoroughly investigated and corrected as per my rights under the Fair Credit Report Act code 15 U.S.C 1681g and 15 U.S.C 1681 ( a ) ( 4 ) Please note that i am providing support documentation to aid in the 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 2025-08-16 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:
I recently moved and tried to rent a house and was informed of the negative accounts found on my Equifax, Transunion, experian credit reports. upon checking my personal information was effected by the most recent Equifax data breach. There are several incorrect accounts effected found on XX/XX/XXXX Account XXXX : Acceptance Now Account Number : XXXX Opened XX/XX/XXXX Debt : XXXX Account XXXX : XXXX  Account Number : XXXX Opened : XX/XX/XXXX Debt : XXXX Account XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting that these inaccuracies be thoroughly investigated and corrected as per my rights under the Fair Credit Report Act code 15 U.S.C 1681g and 15 U.S.C 1681 ( a ) ( 4 ) Please note that i am providing support documentation to aid in the 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 non-monetary relief
Consumer complaint received 2025-08-15 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I report would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-08-15 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: CA

Complaint narrative:
On XX/XX/year>, Bank of America closed my account, marked it settled in full, and reported me to XXXX  for suspected fraud activity. I was never notified this would be reported, and I only discovered it last week after being denied a credit union membership and an auto loan. 
When I called last week to question the report, a Bank of America representative told me it was for a counterfeit check, which is entirely false. The check in question was a legitimate payment I received while consulting for a company and was accidentally deposited twice due to oversightthere was no fraud, no counterfeit, and no intent to deceive. 
If this had truly been a counterfeit check, the banks actions would have been entirely differentlaw enforcement and a criminal investigation would have been involved. That never happened. The fact that it was only labeled as suspected fraud is proof that the counterfeit claim is unfounded and misleading. 
This false and contradictory record has been harming my financial opportunities for over XXXX years. I have requested all internal notes, the exact classification used, and any evidence ( including a copy of the check ) so the record can be corrected immediately. This was an isolated incident from over XXXX years ago with no harm to the bank, and continuing to label it as fraud is both inaccurate and unfair. I am asking for its immediate removal so it no longer impacts my ability to open accounts or obtain financing.

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 2025-08-15 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: FL

Complaint narrative:
b"I am disputing inaccurate and unverifiable information being reported by Experian, TransUnion, and Equifax. I have already submitted disputes to each credit bureau under the Fair Credit Reporting Act (FCRA) 15 U.S.C.  1681i(a) and  1681e(b). The bureaus have failed to properly investigate or provide the required method of verification, and continue to report the following inaccurate items:\n\nExperian\n\nXXXXXXXX XXXX XXXX XXXX XXXX   XXXX   Placed XXXX\n\nXXXX XXXX XXXX XXXX XXXX XXXXt XXXX   Placed XXXX\n\nXXXX XXXX XXXX XXXX XXXX XXXX  Placed XXXX\n\nXXXX XXXX XXXX XXXX XXXX XXXX   Placed XXXX\n\nWrong names: XXXX XXXX XXXX XXXX XXXX\n\nOutdated addresses: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nTransUnion\n\nXXXX XXXX XXXX  Credit Card  Charge-off XXXX  Opened XXXX\n\nOutdated addresses: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL\n\nEquifax\n\nXXXX XXXX XXXX XXXX XXXX XXXX   Placed XXXXn\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Placed XXXXn\nXXXX XXXX XXXX XXXX XXXX XXXX  Placed XXXXn\nXXXX XXXX XXXX XXXX XXXX XXXX   Placed XXXX XXXX XXXX XXXX (should be XXXX XXXX)\n\nOutdated addresses: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nRequested Resolution\n\nConduct a proper reinvestigation\n\nDelete all inaccurate or unverifiable information\n\nProvide complete documentation for any information that remains"

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 2025-08-16 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
sent out a validation of debt XX/XX/year>, ,i received no response this debt is not mine ask tyem to stop reporting on all XXXX of my credit reports they did not reply

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I been with XXXX XXXX XXXX XXXX  ) for over XXXX. Never had any issues until XXXX months ago when all my online/in store purchases were declined, cant add my XXXX  Card to other accounts thats known to XXXX, & /or cant receive funds from the ATM. Either its declined, card error issues, or fraud alert. I have called XXXX  EVERYDAY about ALL these issues & spoke with over XXXX employees/management. NO ONE can tell me why. They suggest me to ask family or friends to send me money & I asked them WHY? This is MY money thats deposited in your bank. I also stated I feel like this is a parent account & Im the child or theyre stealing/holding my money without permission. I have an old telephone thats verifying my account along with a bank card thats not on the account & a XXXX years old address which they wont update. This is unheard of! I WANT MY MONEY & MY ACCOUNT CLOSED! ASAP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: MO

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-15 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 filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts on my TransUnion Experian and Equifax credit reports. The accounts are XXXX XXXX XXXX open XXXX account number XXXX. XXXX installment XXXX account XXXX. XXXX XXXXXXXX XXXX XXXXXXXX account XXXX. XXXX XXXXXXXX XXXX XXXXXXXX account XXXX. XXXX XXXX XXXX collection XXXX account XXXX. XXXX XXXX XXXX XXXX collection XXXX account XXXX. XXXX XXXX collection XXXX account XXXX XXXX account XXXX XXXX account XXXX. XXXX charged off XXXX account XXXX. XXXX XXXX XXXX open XXXX account XXXX. XXXX open XXXX account XXXX. These frauds have led to improper hard inquiries and collections. I demand removal of these items and cessation of all collection activity pursuant to my FCRA and FDCPA rights. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX Private Case Number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX Private Case Number as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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:
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts on my TransUnion Experian and Equifax credit reports. The accounts are XXXX XXXX XXXX open XXXX account number XXXX. XXXX installment XXXX account XXXX. XXXX XXXXXXXX XXXX XXXXXXXX account XXXX. XXXX XXXXXXXX XXXX XXXXXXXX account XXXX. XXXX XXXX XXXX collection XXXX account XXXX. XXXX XXXX XXXX XXXX collection XXXX account XXXX. XXXX XXXX collection XXXX account XXXX XXXX account XXXX XXXX account XXXX. XXXX charged off XXXX account XXXX. XXXX XXXX XXXX open XXXX account XXXX. XXXX open XXXX account XXXX. These frauds have led to improper hard inquiries and collections. I demand removal of these items and cessation of all collection activity pursuant to my FCRA and FDCPA rights. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX Private Case Number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX Private Case Number as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-08-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
hard inquiry, they were done without my permission, without my signature, and I don't recognize them : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: Checkr, Inc
State: SC

Complaint narrative:
Checkr has remove my old Driving license information from their file from the state of Maryland that presupposes that they can locate my new ID and address thereby flagging every employer that want to hire me in the state of Maryland. I have reached out severally and they claimed they cant remove it

Company response to consumer: Closed with explanation