vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the TransUnion 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 : COLLECTION - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$1100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US 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 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 2025-09-21 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 2025-09-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: OK

Complaint narrative:
In XXXX of 2025, XXXX froze the balance in my account and has refused to release it. The funds total approximately {$2000.00}. XXXX stated they were unable to verify the source of the funds and requested verification of my identity and name. I provided all requested information, including clarification of my married and maiden names, and even offered to provide my marriage license. 

Despite my cooperation, XXXX continues to withhold my funds without providing a resolution, timeline, or legal justification. Their refusal to release my money is causing severe financial hardship. I have demanded immediate release of my funds, but XXXX has not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am filing a complaint against PayPal regarding the mishandling of a chargeback case on my account. 

Case details : PayPal Case ID : XXXX Transaction ID : XXXX Transaction date : XXXX XX/XX/year> at XXXXXXXX XXXX GMT+2 Buyer : XXXX XXXX Amount : XXXX USD Issues : Disappearance of Case from Resolution Center : The case used to appear in my Resolution Center as open. 
On XXXX XX/XX/year>, it disappeared completely, and I can no longer see or track the case on my end. 
Despite contacting PayPal support several times, they keep repeating that the case was filed with the buyers bank, but they do not provide transparency or visibility. I am being denied insights into my own case. 

Contradictory Communications from PayPal : In XX/XX/year>, PayPal sent me an email confirming that this transaction was covered under PayPal Seller Protection. 
This meant that even if I lost the case, PayPal would cover the loss. 
In XX/XX/year>, PayPal sent a different email stating the opposite, that the money ( already released to me earlier ) could be debited if I lost the case. 
This is a clear contradiction. In past cases where I was not covered, PayPal clearly stated I was not protected. For this case, they first confirmed I was protected, then later ignored that confirmation. 

Lack of Proper Support and Escalation : I repeatedly requested to speak with a supervisor, but the agent refused, claiming supervisors do not exist. 
I also requested a phone call ; however, there were technical issues where the PayPal agent and I could not hear each other, which has never happened before with PayPal calls. 
The agent repeated the same scripted responses without addressing the issue of why the case disappeared from my Resolution Center and why PayPal contradicted its own seller protection confirmation. 

Why this matters : PayPal confirmed in writing that the case was covered by Seller Protection, but later tried to revoke that assurance. 
PayPal removed my visibility of the case from my Resolution Center, which denies me the right to monitor and track its progress. 
The communication from PayPal is inconsistent, contradictory, and misleading. 

This case has effectively been opened twice, first within PayPal itself and then again by the buyers bank. Despite PayPals earlier written assurance that the transaction was covered under Seller Protection, they now refuse to take accountability or honor that promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: OH

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is completely unacceptable. TransUnion is reporting a 30-day late payment for XX/XX/year> on XXXX XXXX XXXXXXXX. I have never been late on this account, and the payment status clearly shows all payments were made on time. Despite this, the account history incorrectly lists it as late, violating the requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). Consumer reports must be accurate and only furnished in accordance with my instructions ( 15 U.S.C. 1681a ( 4 ) and 1681b ( 2 ) ). This inaccurate reporting is both negligent and willful, creating liability under 15 U.S.C. 1681n and 1681o.

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 2025-09-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Experian 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 : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$20000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$710.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US 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 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 2025-09-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the TransUnion 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 : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$710.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US 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 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 2025-09-21 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: HI

Complaint narrative:
On XX/XX/year>, XXXX denied three disputes ( XXXX XXXX, XXXX, XXXX ). Shortly after, XXXX closed/suspended my wallet for vague restricted activities under Req # XXXX without identifying any specific conduct. I still had over {$100.00} in my XXXX balance ( I could see at least {$15.00} at the time ), and my wallet was set up for direct deposit. 

XXXX later emailed under Req # XXXX that my account status was temporarily adjusted so I could withdraw my remaining funds via standard transfer. I followed the instructions, but the withdrawal failed with the in-app error : Sorry, this transfer can not be processed. I do not have a bank account, so I asked for an alternative ( a one-time XXXX Debit Card withdrawal for the full balance or an overnight cashiers check ). 

On XX/XX/year> at XXXXXXXX XXXX HST, a supervisor named XXXX told me my funds would be held for 180 days with no alternative withdrawal method and said to reply to the email thread because it was out of their hands. After that, I received canned replies repeating bank-linking steps that dont apply to me and no written explanation identifying the alleged restricted activity, the policy/legal basis for a 180-day hold, or how direct deposits to my closed/suspended wallet are handled ( reject/return/hold ). 

In summary : XXXX closed my wallet, promised temporary access to withdraw, blocked the transfer, and then imposed a 180-day hold with no workable option to access my money. Im requesting ( 1 ) immediate release of my full balance ( via one-time XXXX Debit Card withdrawal or overnight cashiers check ), and ( 2 ) a written explanation of the alleged restricted activity and the start/end date and basis for the 180-day hold, plus ( 3 ) written clarification of direct-deposit handling and remittance of any funds already received. 

Evidence available : closure email ( # XXXX ), temporary adjustment email ( # XXXX ), failed-transfer screenshot, the three dispute denial emails, and a call log documenting the 180-day hold conversation with Supervisor XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
HISTORY OF ISSUE In XXXX, my Bank of America Credit card was compromised/fraud committed, 7 times. Each time I called Bank of America Master Card, I told them I had no knowledge of the merchant doing business ( XXXX XXXX Florida ), that I never authorized or got any subscription from them, and that BOA MC should put an immediate stop pay on any charges from any merchant called XXXX. Finally, after 7 months of sending me a new card, for monthly fraud on my account they managed to fix it, so no more charges from XXXX came thru, compromising my card and my account. 

WHAT HAPPENED This morning, XX/XX/XXXX, at roughly XXXX XXXX -- I get a text message, that XXXX has once again, gotten my Master Card number, and charged {$29.00}, this morning, Sunday, to my master card. I got no fraud alert - the charge was not stopped by BOA -- BOA just let it go on my account, again, after 7 months of fraud, last year, by the same company on my card!!!! 

If Bank of America had done the job they promised me they did do, last year, that is, putting a stop pay/ deny, to any charges coming from XXXX ( naming the merchant as fraud when charging to my account ) I would not have had to call BOA MC Fraud departmenrt at XXXXXXXX XXXX this morning ( XXXX ) to inform BOAthat XXXX is once again committing fraud against my master card. 

I need the Consumer Financial Protection Bureau to intercede on my behalf, with Bank of America, and drive the point home.

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