vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: CA

Complaint narrative:
I have been using my PayPal account continuously since XXXX without any prior issues. On XX/XX/XXXX, I received an email from PayPal ( Ref ID : XXXX ) stating that my account was temporarily limited due to suspicious activity. I was blocked from sending, receiving, or withdrawing money. 

I immediately logged in and submitted the requested information, including a valid California drivers license and a written explanation regarding two refund transactions from XX/XX/XXXX ( {$40.00} and {$5.00} ), which were legitimate product/service refunds. 

On XX/XX/XXXX, I received another message stating that my account had been permanently limited due to activity inconsistent with the User Agreement. No specific explanation or evidence was provided. 

My full PayPal balance of {$440.00} has now been frozen for up to 180 days. I was also informed that my linked credit cards and checking account can not be used with any future PayPal account.

I attempted multiple times to resolve the matter by phone. On one call, I was told I would be transferred to an account manager, but was left on indefinite hold. On another call, the representative hung up on me. When I attempted to call again using my one-time passcode, the system disconnected me after entering my account information. I have been unable to reach any live representative since. 
Additionally, this PayPal account was designated to receive an upcoming legal class action settlement in the near future. Because of this limitation, I may lose access to that payment.

I have acted in good faith, complied fully with all requests, and have never experienced any policy violations in my long account history. This treatment and lack of transparency are unfair and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Deposited check XXXX XXXX XXXX  still have not received funds. was originally told funds would be clear XXXX XXXX XXXXXX/XX/year> but that never happeded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX XXXX I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Account Midland credit management I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide " certified mail : with receipt displaying my signature. If not, please delete account as soon as possible fro my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a documented victim of XXXX XXXX. I have submitted official documentation to Equifax and the Consumer Financial Protection Bureau ( CFPB ), including : My dispute letter My law enforcement, clarification form issued by XXXX XXXX Police Department, originally issued to the California XXXX XXXX XXXX which use the same documents to determine that I was approved for victim conversation for a XXXX XXXX  victims My personal victim statement Despite this, Equifax has refused to acknowledge these valid documents and continues to report fraudulent information on my credit fileinformation that directly resulted from my XXXX situation. 

I am resubmitting these same documents to you as attachments with this message. This ongoing issue has not been resolved and is now causing me financial and emotional hardship, including difficulty obtaining housing, transportation, and basic necessities. 

Equifax is requesting a victim determination letter in order to block the negative items on my credit report. However, I already sent them a law enforcement clarification letter, which is a valid form of a victim determination under federal law. They responded to the CFPB saying they will only help if I submit a victim determination letter, but the document I already gave them meets the legal definition under Section 605C of the Fair Credit Reporting Act. Theyre wrongfully claiming its not valid, even though it is. 

I respectfully ask for your offices help in urging Equifax to comply with Section 605C of the Fair Credit Reporting Act and permanently block the affected information from my report. 
My next step will be to sue Equifax for the pain and suffering that me and my children are enduring due to their refusal to remove these negative items that resulted from me being a victim of XXXX XXXX! 
Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal has violated my rights. 

I looked at my credit bureau Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days

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 2025-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-06 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: T.S. Holdings
State: GA

Complaint narrative:
IQ Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX company is reporting on my XXXX  credit report under account number XXXX, in the amount of {$4400.00}, a I categorically deny ever entering into any contract, financial obligation, or business relationship with the agency Pursuant to the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I hereby request : 1. Full validation of this alleged debt, including : - A copy of the original signed contract - Detailed billing statements - Full chain of title proving ownership of the debt 2. Immediate cessation of all credit reporting activity related to this account during the validation process.

3. Permanent deletion of this account from all credit reporting agencies if you can not provide adequate proof of debt ownership and validity within 30 days of receiving this notice.

Also asked XXXX  to remove this account from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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 have been providing documents and calls request to the company listed below and they are not providing any resolution of this clear CASE of IDENTITY THEFT and as a matter or resolution, I am creating this complaint, so you GUYS can help on this matter. 

XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  ) Account Type : Collection Balance : {$950.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : XXXX Opened on : XX/XX/XXXX XXXX Balance : {$3000.00} Date Opened : XX/XX/XXXX Account Type - Detail : XXXX XXXXXXXX XXXX XXXXXXXX Account Type - Detail : Credit Card Date Opened : XX/XX/XXXX Balance : {$4100.00} XXXX XXXX  Account Type - Detail : Credit Card Balance : {$1100.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: OK

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
XXXX XXXX the chase I never got the physical card for this account but someone else had it and used it no one authorized on this account but me and I never had physical posession of this card nor was I in these places and the transactions are not ligit buisness this is COMPLETE FRAUD Only card I have is a different account number and I emailed back several times, es that I wasnt getting the card and by the time this one came XXXX XXXX  to me someone used it for me and was only XXXX credit limit in the first place how does thousands go through and doesnt decline your out of credit your out of money this is scam fraud and identity theft attached is the police report and has already been investigated from the transactions not being ligit to wrong name and where I was at time of purchase and I wasnt no where capable of this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: NJ

Complaint narrative:
Due to unauthorized activity stemming from a data breach, fraudulent accounts now appear on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete and block the following accounts from my credit report Accounts 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America account is constantly getting hit with XXXX charges. Bank of America issues a new card and the new card is hit before it is even activated.

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 2025-06-06 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: TX

Complaint narrative:
Because of a data breach that compromised my personal information, fraudulent accounts have been placed on my credit report. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXXXX/XX/XXXX- Account Number XXXX XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX - Account NumberXX/XX/XXXX Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX - Account Number : XXXX XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX - Account Number : XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number :XX/XX/XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXXXX/XX/XXXX- Account Number : XX/XX/XXXX Date Opened : XX/XX/XXXX, Balance : {$6700.00} XX/XX/XXXX- Account Number : XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XX/XX/XXXXXX/XX/XXXX- Account Number :XX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} Inquiries XX/XX/XXXXDate : XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.

Complaint narrative:
Hi, actually I saw unauthorized transactions in my online account when I saw I connected to my bank but at that time it was XXXX in night nobody picked my call after that I went to the police station and they told me come tomorrow morning and they will file my complaint. I went to the police station on XX/XX/year> to complain about my transaction they told me also file complaint in your bank as well and I went to the bank at that time and make a complaint there about this transaction which is not done by me its e-transfer transaction which is somebody hacked my phone and did it. When I told to bank they gave me 10 business days. After that I didnt receive any call and talk to bank again they gave more 5 business days and said to me clean your phone and show them I clean my phone and showed them and they told me you will receive a call and then we will tell you when you can get you money back and what happened with your bank account. But I didnt receive any call and then I visited bank many times and I called them by myself they not gave me any decision and said me they not refund my money back and also they said they called me on XXXX XXXX but they are unable to call me and I didnt receive any call. Its around {$4000.00} its too much money please help me and get my money back as soon as possible. I will attach the transection which was took from my account. Please help me.when I talk with investigation team they talked with me very rudely behaviour and not providing me any information about my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: WV

Complaint narrative:
I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX WV XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX & XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXXXXXX XXXX XXXXXXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries ADVANTAGE Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief