vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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:
Consumer Name : [ XXXX XXXX XXXX ] Business Name : [ XXXX XXXX XXXX ] PayPal Account Email : [ XXXX ] Complaint Against : PayPal , Inc . 



Summary of Complaint PayPal is refusing to release customer funds that were paid to my business through their platform. I am the licensed owner/operator of a plumbing business. A customer paid me for services through PayPal, but instead of releasing the funds, PayPal placed a hold and has repeatedly demanded additional business verification documents. Despite submitting the requested information, PayPal has not released my money. 

This delay has created serious financial hardship, as these funds are payment for services I have already completed. My customer has confirmed payment, and there are no disputes, chargebacks, or fraud claims associated with this transaction. 



Details of the Problem Customer paid via PayPal on [ XX/XX/year> ]. 
Amount of funds held : {$8000.00} ]. 
PayPal stated funds are being held until my business and status as a business owner are verified. 
I have already provided proof of identity, business ownership, and related documents. 
I have contacted PayPal multiple times, but they have failed to provide a clear timeline or adequate explanation for why funds remain withheld. 



Why I Am Filing I believe PayPal is unfairly withholding access to my funds, which violates reasonable business practices. These are earned payments for legitimate plumbing services, and PayPals continued hold is causing financial harm. 



Desired Resolution I respectfully request that : 1. PayPal immediately release the funds owed to me.

2. PayPal provide a clear explanation of their business verification process and why my account is being restricted.

3. PayPal ensure future legitimate business payments are processed.

I already sent : Proof of payment from customer ( screenshot or receipt ).

Copies of documents submitted to PayPal ( business license, ID, etc. ). 
Email or chat transcripts with PayPal support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 non-monetary relief
Consumer complaint received 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
On XX/XX/year> I submitted a payment for my mortgage. I received XXXX confirmation email with XXXX confirmation number. The money was pulled from my account on XX/XX/XXXX. There was a second payment referencing the same confirmation number pulled on XX/XX/XXXX. I called to have the unauthorized payment reversed and was denied at first. The second call on XX/XX/XXXX, the Customer Service Rep claimed it would be returned. I called a third time to confirm the return and was told it would not be returned if the request was denied. I asked to speak to the Rep 's supervisor and was ultimately asked for my bank information. The Rep told me the money was being transferred back to my account on XX/XX/XXXX. I have not received the money back and just received a message ( XX/XX/XXXX ) on their app stating the money was reversed today instead. This is causing issues with my other bill payments and I need the money from the unauthorized charge now.

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 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the above account. I am a victim of identity theft and the alleged debt reported by XXXX XXXX XXXX XXXX is not mine. I previously reported this identity theft to the Federal Trade Commission and filed an identity theft report/police report. I request that you immediately block and remove this fraudulent information from my consumer file and all consumer reports you furnish to third parties. 

Legal basis and demand : Under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ), a consumer reporting agency must block information that the consumer identifies as resulting from alleged identity theft not later than 4 business days after receipt of appropriate proof and a copy of an identity theft report. I hereby request that you block this fraudulent account under 15 U.S.C. 1681c-2 and remove it from my credit report. 
XXXX XXXX XXXX XXXX If you are a furnisher ( e.g., XXXX XXXX XXXX XXXX ), please note your duties under 15 U.S.C. 1681s-2 to investigate and correct any information you furnish to consumer reporting agencies when notified of a dispute and identity theft. Failure to investigate and/or continuing to report fraudulent information may violate your obligations under the FCRA. 
Consumer Financial Protection Bureau XXXX In addition, consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information under 15 U.S.C. 1681i. I dispute the accuracy and request immediate deletion/blocking of the item and confirmation of such action.

FindLaw Codes

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 2025-09-11 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:
I am submitting this complaint against the XXXX major credit bureausXXXXXXXX XXXX and TransUnionfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX XXXX and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-09-11 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: AL

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 2025-09-11 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: CA

Complaint narrative:
An hard inquiry that appears in my credit file is Fraudulent and inaccurate. I have reported that with XXXX  and XXXX, they both removed it long time ago. But stubborn Equifax has issues by NOT listening to consumers complaint or dispute. 

Apparently, they don't take my FTC report as Valid document. Simply because there is no Page number on that statement??!!! Something that is absurd and outside of the law! There is no such a thing as that you can decline by that reason. How is that possible that XXXX  and XXXX  validated my FTC report but Equifax doesn't like it? 

Its an impossible BAD customer service that they have, unbelievable full with fake excuses. Someone needs to sue them for real!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/year> I deposited {$280.00} to my bank account to cover a car payment that was made. The payment was then returned to XXXX  despite the funds being available. I now face a return fee to XXXX  and owe the car payment and I am facing not being able to use my car due to the payment being returned and having a starter monitoring device connected to my 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 2025-09-11 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: MO

Complaint narrative:
This complaint is being filed in reference to prior ticket number XXXX. 

The companys response continues to dodge the issue by hiding behind vague statements such as previously verified, without producing any lawful documentation that proves the accuracy of the disputed account. A consumer credit report is not proof of validation. I am demanding that the company show me the federal law that permits them to substitute a credit report in place of actual documentation ( contracts, statements, or account-level records ). 

If the company can not provide proof of such a law, then this verification is a violation of the Fair Credit Reporting Act. 

Further : if this matter continues to be ignored, I will be filing a Missouri XXXX XXXX request. That request will compel the disclosure of all internal and back-end communications including those between this office, the company, and federal agencies that are being used XXXX XXXX a narrative and stall consumer complaints. Anything the company or this office is attempting to hide will be made public through that process. 

I am making it clear : every time the company attempts to sidestep its obligations under the FCRA, I will file additional complaints and continue building my case file. The more this office stalls, the bigger the record becomes and the harder it will be to deny or cover up.

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 2025-09-11 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney ' fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-09-11 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-09-11 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: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-09-11 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXX * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXXXXXX XXXX  - Account Number : XXX * * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$8600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX AND XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX XXXX XXXX XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
On [ XX/XX/year> ], I paid this collection in full for {$150.00}. I have a payment receipt screenshot showing a {$0.00} balance. 
I called Harris & Harris on [ XX/XX/year> ] and again on [ XX/XX/year> ] to request : ( XXXX ) a paid-in-full receipt/statement with the payment date, ( XXXX ) a letter confirming the account is paid and closed, and ( XXXX ) confirmation they updated or would delete the collection tradeline with Experian, Equifax, and TransUnion. 
The representative stated they couldnt send anything, despite the account being paid. As of XX/XX/year>, the collection still appears on my credit reports and Ive received no written documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Applied XXXX 's store credit card issued by Synchrony Bank for a home improvement project without been made clear of paper vs paperless statement from the Bank. Did not receive any statement in mail for over a month in mail. Contacted SB service line, was told reissuing paper statement to be mailed in XXXX days, waived late fee and interest due to statement issues. A month later received a threatening emailing for collection with {$230.00} interest charge added to balance due. Called again to dispute this unfair charge, asked to close the account with full payment less the interest charge without success. Unfair business practice to consumers.

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