vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal , Inc. ( XXXX  Division ) Attn : Executive Escalations/ Legal Department XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Escalation Request Fraudulent XXXX  Transaction {$740.00} on XX/XX/year> Dear Executive Escalations Team, I am requesting a formal review and resolution of a XXXX  fraud dispute involving a {$740.00} transaction on XX/XX/year>. I was the victim of a scam and immediately contacted my bank, which froze the account to prevent any withdrawal of funds. Despite this, XXXX  subsequently funded the transaction without my knowledge or authorization and is now seeking repayment from me. 
As an older customer, I have found this process confusing and difficult to navigate. I am asking that PayPal/XXXX either reverse or forgive this charge and provide a written explanation of the actions taken in my case. 
I have contacted XXXX  support on several occasions and submitted all required documentation, yet I have not received any formal written decision. The following summarizes my communications to date : Phone Calls with XXXX  Support XX/XX/year> Representative confirmed case was sent for review; advised I would hear back within 3 days. 
XX/XX/year> Follow-up call ; advised case still under review. 
XX/XX/year> Third follow-up ; again assured response would come within a few days. 
Documents and Correspondence Sent Multiple written submissions sent to both XXXX  Support and the Executive Escalations Team ( copies enclosed ). 
Given that XXXX  funded this transaction after my bank had already frozen the account, I believe the company bears a responsibility to verify authorization before releasing funds. A simple email, text, or confirmation step could have prevented this error. 
I respectfully request that my case be escalated for executive review and that I receive a written resolution within 14 days of receipt of this letter. 
Thank you for your time and understanding. 
Sincerely, XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Email : XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-14 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-10-14 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: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint concerns multiple accounts on my credit report and is not submitted in error. The information being reported for these accounts is inaccurate and does not meet the standard of maximum possible accuracy. These persistent errors have harmed my credit, undermined my financial stability, and caused ongoing stress and hardship. I require a clear explanation for why these accounts are being reported, who furnished the information, and what documentation, if any, supports the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : CAPITAL ONE - 517 * * * * * * * * * * 440 CAPITAL ONE - 517 * * * * * * * * * * 405 KIKOFF - CLX * * * * * * * * CDQ LVNV FUNDING - 517 * * * * * * * * * * * * * * 874 LVNV FUNDING - 516 * * * * * * * * * * * * * * 974 LVNV FUNDING - 444 * * * * * * * * * * * * * * 236 SW CRDT SYS - 110 * * * * * * * 220 TBOM - 516 * * * * * * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-14 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-14 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: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
Tower loan has a hard inquiry on my report I didnt apply for loan in XXXX nor in 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 2025-10-14 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:
Subject : Identity Theft Report & Request to Block Fraudulent Information Pursuant to 15 U.S.C. 1681c-2 ( FCRA Section 605B ) I am writing to notify you that I am a victim of identity theft and to request that you block or delete all information on my credit file that was opened, reported, or inquired upon without my authorization.

I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ), and a copy of that report is enclosed with this letter. Under 15 U.S.C. 1681c-2, this report establishes that the accounts listed below were fraudulently opened or reported and must be blocked from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} Reported opened XX/XX/XXXX Not mine Credit XXXX XXXX XXXX XXXX {$590.00} Reported opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} Reported XX/XX/XXXX Unauthorized XXXX XXXX  XXXX dated XX/XX/XXXX Unauthorized inquiry XXXX XXXX XXXX dated XX/XX/XXXX Unauthorized inquiry XXXX XXXX XXXX Department of Education Reported XX/XX/XXXX XX/XX/XXXX {$3600.00} Fraudulent student loan account XXXX XXXX XXXX Department of Education Reported XX/XX/XXXX XX/XX/XXXX {$2100.00} Fraudulent student loan account

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 2025-10-14 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: TX

Complaint narrative:
Subject : Identity Theft Report & Request to Block Fraudulent Information Pursuant to 15 U.S.C. 1681c-2 ( FCRA Section 605B ) I am writing to notify you that I am a victim of identity theft and to request that you block or delete all information on my credit file that was opened, reported, or inquired upon without my authorization.

I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ), and a copy of that report is enclosed with this letter. Under 15 U.S.C. 1681c-2, this report establishes that the accounts listed below were fraudulently opened or reported and must be blocked from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} Reported opened XX/XX/XXXX Not mine Credit XXXX XXXX XXXX XXXX {$590.00} Reported opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} Reported XX/XX/XXXX Unauthorized XXXX XXXX  XXXX dated XX/XX/XXXX Unauthorized inquiry XXXX XXXX XXXX dated XX/XX/XXXX Unauthorized inquiry XXXX XXXX XXXX Department of Education Reported XX/XX/XXXX XX/XX/XXXX {$3600.00} Fraudulent student loan account XXXX XXXX XXXX Department of Education Reported XX/XX/XXXX XX/XX/XXXX {$2100.00} Fraudulent student loan account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
Violations include Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681/ Permissible Purpose : 15 USC 1681b ; / Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) / Verification : 15 USC 1681i ( 7 ) I am an XXXX  and XXXX data breach consumer. My SSN was impacted by the XXXX breaches. I have evidence confirming my SSN was impacted. As a direct result, my credit file contains fraudulent accounts I never authorized. and now they need to be held responsible! 

I never authorized these accounts ; they are fraudulent : a ) XXXX : # XXXX : Balance : {$8500.00} b ) XXXX XXXX : # XXXX Balance : {$280.00} c ) XXXX  XXXX : # XXXX : Balance : {$210.00} d ) XXXX XXXX  XXXX XXXX  : # XXXX : Balance : {$3500.00} I further assert and your agency has failed to provide a meaningful resolution in accordance with my rights. I am also complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent accounts had been opened in my name without my knowledge or consent. There is no legal admissible evidence to verify the accuracy. I am requesting for the third time that the fraudulent information be deleted.

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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: TN

Complaint narrative:
CONSUMER ADJUSTMENT CO is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSUMER ADJUSTMENT CO is a debt collector. Account number is XXXX and is 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 2025-10-14 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is third time I have filed a complaint on this matter. Fulton Bank consistently closes the complaint before it is resolved. Fulton Bank forced XXXX policies on me ( Flood Insurance & Hazard insurance ) when in fact I had valid insurance policies in place. I informed Fulton Bank of the existence of these policies as well as proof of their active status. I had my Insurance Agency provide Certificates of Insurance for each of these policies. After providing the proofs XXXX times the only response was notice of the forced policies. Finally Fulton Bank has acknowledged the Flood policy but not the hazard policy. 
I am trying to resubmit the proofs to Fulton but the Fulton correspondence does not provide a mailing address or fax number. As I noted the complaint was prematurely closed so I have no way of resubmitting the information to Fulton Bank. 
Short version : I have consistently maintained the required policies. I have proven that to Fulton Bank. My Agency has proven that to Fulton Bank. Fulton Bank refuses to accept the facts. They are charging me for insurance coverage when I already have that coverage. Fulton Bank denies receipt of my proofs. They provide no avenue of communication. The purpose of this complaint if to get a valid physical mailing address so that I can again provide with prior letters, emails & copies of the policies.

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 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I tried to transfer money from my XXXX XXXX account to my citizens account online and it said it was approved. A half hour later I got an email saying citizens bank stopped the transfers. I called and I was told to go into a bank branch and verify who I am. I went into and did that and the employee said it was likely because XXXX of those banks has my full name and the other one had only my middle initial. She said we should be all set. The next day they locked my online account and I called them again. They said my online account was being reviewed and I would receive a letter. Within a week I received a letter and it said they were ending our business relationship and closed the account. I called to find out why and was transferred many times and told they didnt know why. I went into a branch and spoke with a manager and he said this sort of thing happens a lot for people like us, and he sent a request for them to contact me. So I got another letter within a week saying that they dont have to give the reason that they closed the account. There was no reason to close this account. Nothing wrong was done. I believe its religious and racial discrimination especially since they wont give a reason why and I know that nothing wrong was done to have caused this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
After a few attempt to resolve this matter Bank of America is not willing to work with me to resolve this alleged Debt.. 

I allready requested a settlement plan to negociate this dent and BOA is refusing to do this. 

By now I consider to take legal action against BOA

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have no affiliation with this account ; it has been reported incorrectly.

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 2025-10-14 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: OK

Complaint narrative:
I have no affiliation with this account ; it has been reported incorrectly.

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 2025-10-14 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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