vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
So today XX/XX/year> I initiated a couple external transfers with XXXX for like {$1600.00} if you total them all together and the money was instantly take out of my account pending the transfer. After a few hours I decided to give XXXX a call to see the status of the transfer and was told that they have been posted and completed after hearing this I decided to call chime since there policy is to post ach transactions onto your account as soon as they receive them. Chime told me they did not see any pending deposits on my account after checking. How long does it take chime to receive the ach transactions??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a debt consolidation loan with another company, i was approved & requested the company to apply portion of my loan proceed to my Capital One credit card in the amount of {$7800.00}. Once the payment was received by Capital One, my account was flagged & restricted. I called the fraud department & was advised to sent copy proof of payment. The only proof i have was my loan contract/note from XXXX XXXX which listed 4 credit card companies to be paid directly from loan proceeds. I followed with Capital One after a few days, and was told my documents provided was unacceptable. Capital One was asking for a bank statement, I informed the rep the payment of {$7800.00} was not paid from our checking account. Still they insisted for me to contact XXXX XXXX & provide a bank statement of XXXX XXXX. I have spoken to several Capital One fraud representatives & each representative demanded for bank statement with proof of where the pay off amount originated from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
What happened : On XX/XX/year>, I made a purchase with XXXX XXXX for {$2900.00} using PayPal. At checkout, I selected PayPal Pay Later financing. The merchants order page shows Payment Type : Pay Later with Provider Reference XXXX XXXXXXXX. 

Instead of honoring Pay Later, PayPal attempted to debit my linked XXXX XXXX account for the full {$2900.00}. When the first attempt failed, PayPal retried the debit, which caused my account to go negative and put my other bills at risk. 

I immediately filed a dispute with PayPal ( Case ID XXXX ). Despite providing evidence including the merchants confirmation that Pay Later was selected PayPal closed the case in favor of the seller. PayPal then informed me that my issue does not qualify as a billing dispute, even though this is clearly a billing error under Regulation E ( Electronic Fund Transfer Act ).

Why this is a problem : PayPal processed a one-time debit I never authorized.

They ignored evidence from both me and the merchant.

They misclassified the dispute and denied me relief.

I have been left with a large negative balance and the risk of overdraft fees and credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
Experian is refusing to remove AND BLOCK XXXXXXXX XXXX XXXX XXXX ACCOUNT an item from my credit file which i have disputed 3 times as fraudulent. I have disputed this item thru experian, i have sent experian my identification thru mail and thru this portal on last month when i filed my first filed a complaint about this item on my experian credit file. The item was BLOCKED FROM MY CREDIT FILE IN XX/XX/year>, IN XX/XX/year> EXPERIAN SENT MY A NOTIFICATION THAT THEY WOULD BE INSERTING THE ACCOUNT BACK ON MY CREDIT FILE BECAUSE XXXX  XXXX VERIFED THE DEBT. THIS IS A VIOLATION OF MY PRIVACY RIGHTS! I REPORTED THIS ACCOUNT AS FRAUDULENT AND STATED THAT XXXX  XXXX WAS NO LONGER TO ACCESS MY CREDIT FILE FOR ANY REASON WITH MY WRITTEN OR VERBAL CONSENT AS STATED IN THE FAIR CREDIT REPORTING ARTICLE. IN XX/XX/year> EXPERIAN SENT MY A NOTIFICATION TELLING MY THE NEEDED ADDITIONAL INFORMATION BEFORE BLOCKING ITEM I REPORTED AS FRAUD. EXPERIAN CAN NOT DO WHAT THEY WANT WITH MY CREDIT FILE, IF I REPORT AND ITEM AS FRAUDULENT IT IS NOT UP TO EXPERIAN TO DECIDE WHETHER THIS ITEM STAYS ON MY REPORT. I AM KEEPING A TIGHT RECORD OF THESE TRANSACTIONS AND COMPLAINTS I AM FILING ON EXPERIAN IF THIS ACCOUNT IS NOT BLOCKED WITH 5 DAYS I WILL SEEK A LARGER PENALTY AND POSSIBLY LEGAL REPRESENTATION FOR USING CREDIT REPORT IMPROPERLY AND WITHOUT CONSENT! XXXX XXXX NEEDS TO BE BLOCKED FROM MY EXERIAN CREDIT FILE WITHIN 5 DAYS OF RECIEPT OF THIS COMPLAINT

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 2025-08-22 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:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXXXXXX, which XXXX XXXX XXXX  confirmed would be removed but remains on my report ; It is identity theft-related and should have been blocked under 1681c-2 of the FCRA.

Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is my second report as the Bank of America has ignored my previous request to reopen the fraud investigation case that I previously on this site. To recap I have been a customer of the Bank of America for over 15+ years and live in XXXX XXXX Florida XXXX I was XXXX XXXX XXXX on XXXX for something l had not done. 
I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who has been XXXX hard in the US and have been building up my business over the past few years. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX friend got access to my home and acquired my phone, he then committed identity fraud. Stealing my identity and accessing every account, including my Bank of America bank account, using my registered debit card to rack up over {$4900.00} in overdraft when l do not have any agreed o/d facility. I have had everything I possess stolen. 
I have lost my home and been treated appallingly by the BofA. My mother discovered the fraud was committed while I was in XXXX  and immediately contacted the bank, they made copious notes on my account during the multiple of calls she made during that time trying to register her Power of Attorney but they would not accept it. 
I have a police report registered with XXXX XXXXXXXX XXXX XXXXXXXX back in XXXX, the report number is XXXX, and is an active identity fraud investigation being dealt with by Detective XXXX XXXX XXXX the perpetrator is known to the police. 
When first released I went immediately to the bank with proof of the fraud and they refunded approx {$3300.00}, but the amount taken was vastly more. The perpetrator used my XXXX account connected to my BofA debit card to defraud me and also paid off and reuse credit cards for {$2000.00} also from my account. 
The bank declined the second claim for the paid off credit card because they did not believe I was XXXX and told me that the payments were deemed legitimate, all in XXXX during the period when I have proven XXXX XXXX XXXX XXXX XXXX 
I have submitted a XXXX XXXX XXXX XXXX  giving exact dates of my XXXX with a copy of the Police report, but all claims have now been reversed and my account is back at {$4900.00} o/d exactly where it was when the fraud was committed and presumably I am being held responsible for the amount stolen. 
I am beyond devastated, this puts me in a dire situation, with payments for car loans etc being returned unpaid and other payments not going through. I appealed for help from the CFPB but nothing has come of it, Bof A briefly reopened the case and then closed it again with the same result, and my account is still frozen with a balance of minus {$5000.00} XXXX desperately need help, and hope someone can right the injustice l am being allowed to suffer

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 2025-08-22 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:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on accounts. Consumer Reporting agencies play a crucial role in accurately reporting consumer information ; it is imperative that this information be reported with accuracy. I request a thorough investigation into these discrepancies and urge you to provide evidence such as statements and notification of lateness of these payments made to the consumer via phone, mail and email. Please refer to the following account ( XXXX of XXXX ) and account number ( XXXX and XXXX ). If unable to furnish such proof, I request the consumer reports be updated. Thank you for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: Experian Information Solutions Inc.
State: NV

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

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 2025-08-22 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: PA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXXXX/XX/XXXXXX/XX/XXXX Balance : {$4600.00} XX/XX/XXXXBalance : {$0.00} XXXXXX/XX/XXXXBalance : {$740.00} XXXXXX/XX/XXXX Balance : {$1400.00} XXXXXX/XX/XXXX Balance : {$0.00} XXXXXX/XX/XXXXBalance : {$2300.00}XX/XX/XXXX Balance : {$0.00} XXXXXX/XX/XXXX Original Creditor XXXX XX/XX/XXXX Balance : {$1300.00} XXXXXX/XX/XXXX Original Creditor XXXX XXXXXX/XX/XXXX Balance : {$2300.00} XXXXXX/XX/XXXX Original Creditor XXXX XXXXXX/XX/XXXX Balance : {$1200.00} XX/XX/XXXX Original Creditor : XXXX XXXXXX/XX/XXXXXXXX : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: PA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXXXX/XX/XXXXXX/XX/XXXX Balance : {$4600.00} XX/XX/XXXXBalance : {$0.00} XXXXXX/XX/XXXXBalance : {$740.00} XXXXXX/XX/XXXX Balance : {$1400.00} XXXXXX/XX/XXXX Balance : {$0.00} XXXXXX/XX/XXXXBalance : {$2300.00}XX/XX/XXXX Balance : {$0.00} XXXXXX/XX/XXXX Original Creditor XXXX XX/XX/XXXX Balance : {$1300.00} XXXXXX/XX/XXXX Original Creditor XXXX XXXXXX/XX/XXXX Balance : {$2300.00} XXXXXX/XX/XXXX Original Creditor XXXX XXXXXX/XX/XXXX Balance : {$1200.00} XX/XX/XXXX Original Creditor : XXXX XXXXXX/XX/XXXXXXXX : {$3000.00}

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 2025-08-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Despite a recent complaint filed through the Consumer Financial Protection Bureau ( CFPB ), XXXXXXXX XXXX has failed to provide any documentation or evidence to support their reporting. They have not responded with any verification, yet the account continues to appear on my credit report, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

I am requesting that this unverifiable and inaccurate account be deleted from my credit file immediately.

Please reinvestigate this matter and send me written confirmation once the account has been removed. I have attached a copy of my government-issued ID and a recent utility bill to verify my identity. 
Thank you for your prompt attention to this matter.

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 2025-08-22 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: KY

Complaint narrative:
I recently pulled my credit report and I see I had these unauthorized items on my credit report can you please remove these items from my credit report under 15 U.S.C 1681 XXXX XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX bank XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation