vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: WA

Complaint narrative:
I contacted Papal on XX/XX/XXXX after seeing a banner on my account stating that they were placing a permanent limitation on my account. There was no reason given, only a vague statement that accompanies the limitation information that states several possible reasons that an account might have a limitation placed on them. It gave information to try to resolve the issue but nothing pertained to me that I could see. I made sure that my information was correct and tried contacting Paypal to find out what happened. They could not give me a reason for the limitation. I had just had a disputed transaction for a XXXX that I had reported as recommended by Paypal. I was told that could be it and the person said they were opening a report regarding this limitation which would take XXXX  days before I would hear from them. I have not heard anything, nor is there a message on my account. This also froze my money in the account for XXXX  days. This was so if anyone had an outstanding amount that needed to be paid the money would be there to cover it. I asked if XXXX of my sellers reported that they were owed money from me would it be paid to which they stated no- no money can be added or taken out for 120 days. That doesnt make sense. If they are holding money for outstanding bills, why wont they allow them to be paid? 
Regarding the dispute, I spoke to someone at Paypal on XX/XX/XXXX about the XXXX transactions that come in from time to time and are we supposed to do something with them. I was told to open a dispute for each transaction of a XXXX so that they could track them and see where they are coming from. I then opened a dispute. The dispute was ruled against me as authorized on XXXX XXXX the same date my account was placed on a permanent limitation. 
The agent I spoke to said that looked like it could be the reason, and they were going to open a report which would take XXXX business days to hear back from them. To date, there are no messages or emails. I have read since then that there were massive accounts closed on the same day mine was. Some have been reopened some not, but its troubling to me that they are holding my account hostage for no apparent reason. They should at least ask about whatever they think has occurred and allow me an opportunity to respond. I would ask that my account be reopened and my money released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I contacted Affirm INC to request validation of this debt, including a copy of the original agreement, a complete payment history, and proof of ownership of the account. As of this date XXXX. I have not received sufficient documentation that proves the debt is valid, that it is mine, or that they have the legal right to collect on it. Additionally, the amount of {$700.00} reported does not match any debt I recognize and XXXX include inaccurate fees or interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is reporting inaccurate information about web bank written off when in fact it has been paid in full

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in several fraudulent hard inquiries and negative items appearing on my consumer FICO credit report. I do not recognize the account reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account, negative items, and hard inquiries are the 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 2025-06-14 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: NC

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in several fraudulent hard inquiries and negative items appearing on my consumer FICO credit report. I do not recognize the account reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account, negative items, and hard inquiries are the 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 2025-06-15 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: PA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: NY

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Email states 3 % back on all purchases yet when you sign up its only 3 % on XXXX purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1100.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I first noticed this account while reviewing my credit report on XX/XX/year>. I saw that XXXX XXXX XXXX was reporting Account XXXX : XXXX with a balance of {$140.00}. I am not familiar with this organization, have never conducted business with them, and have no contractual obligation to pay them. When I contacted XXXX XXXX XXXX, they refused to provide any additional identifying information unless I provided my Social Security XXXX. 
I am requesting that this fraudulent information be removed immediately from all credit reporting agencies. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, all credit reporting agencies are required to investigate disputes, which you have failed to do in this case. 
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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX is XXXX XXXX XXXX and need to be removed. This account is still appearing on my credit. Ive disputed this account with Experian and its still appearing on my credit. Also late payments are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: NC

Complaint narrative:
XXXXXXXX XXXX XXXX is XXXX XXXX XXXX and need to be removed. This account is still appearing on my credit. Ive disputed this account with Experian and its still appearing on my credit. Also late payments are 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 non-monetary relief
Consumer complaint received 2025-06-14 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:
I am formally disputing the inaccurate and unlawful reporting of the above-referenced account on my credit file. After reviewing my credit reports from all three major credit bureaus, I have identified material violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, warranting the immediate deletion of this tradeline.

Violations and Justification for Immediate Deletion : 1. Conflicting Charge-Off Dates and Statuses TransUnion reports a charge-off dated XX/XX/XXXX, with last payment on XX/XX/XXXX. 
XXXX claims the account was charged off and closed due to inactivity, yet also reports the charge-off in XXXX, over 3 years later. 
Equifax shows a balance of {$2400.00} with charge-off activity last reported on XX/XX/XXXX. 
These contradictions fail the FCRAs maximum possible accuracy requirement under 607 ( b ) and violate XXXX XXXX standards. 
2. Re-Aging of Delinquency / Illegal Date Manipulation The accounts last payment/activity occurred in XXXX, yet you continue to update and re-age the charge-off into XXXX. This is a clear re-aging violation under FCRA 605 ( c ) and can illegally extend the derogatory impact.

3. Falsified or Conflicting Closure Reasons XXXX reports closed due to inactivity ; TransUnion reports canceled by grantor ; Equifax says closed by credit grantor. These can not all be true and highlight gross reporting negligence. 
4. Outdated Debt with No Collection Activity No new payments or activity since XXXX. 
Balance was listed as {$0.00} by all three bureaus by XXXX, yet charge-off status continues to update a deceptive practice designed to hurt credit scoring. 



LEGAL DEMAND FOR DELETION : Under my rights granted by : FCRA 611 ( Dispute of Inaccurate Information ) FCRA 605 ( Obsolete Information/7-Year Limitations ) FCRA 607 ( b ) ( Duty of Accuracy ) I hereby demand immediate deletion of this account from all three of my credit reports. The information is : Inaccurate Incomplete In violation of Federal Law Damaging to my creditworthiness If the account can not be verified with complete, consistent, and legally permissible data, it must be removed entirely per FCRA 611 ( a ) ( 5 ) ( A ).

Required Next Steps : You have 30 days to reinvestigate and respond, as required by federal law. If you fail to correct or delete this account, I will : File a complaint with the Consumer Financial Protection Bureau ( CFPB ) Submit evidence to the Federal Trade Commission ( FTC ) Pursue further remedies under 15 U.S.C. 1681n ( civil liability )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Dear Jefferson Capital system, I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt. o The name, address, and contact information of the original creditor. 2. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied. 3. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector. 4. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations. 5. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented. 6. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable. Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome. For your reference, I have enclosed a copy of my credit report with the entry in question highlighted. Please confirm receipt of this letter and provide a written response within 15 days, as required by law. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: SC

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This item was never authorized and is being reported without my consent. Please reinvestigate and delete if unverifiable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: MD

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX 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 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing a complaint regarding an unauthorized and unfair withdrawal from my Navy Federal Credit Union XXXX account. 

On XX/XX/year>, I made a legitimate purchase of {$15.00} for gas at XXXX while I had {$38.00} available in my account. However, on XX/XX/year>, XXXX XXXX also withdrew {$38.00} from my XXXX account, which I later learned was tied to a XXXX  card account that I believed had been XXXX XXXX and was no longer active or authorized for deductions. 

Because of this, both the gas purchase and the {$38.00} withdrawal posted the same day, leaving my account in overdraft, where it has remained for XXXX  days. I received no notice or warning that this amount would be taken. Had I known, I would not have used the remaining funds. XXXX XXXX actions caused XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am currently XXXX XXXX XXXX XXXX XXXX I am already behind on essential bills including rent, car repo, insurance, and utilities. I can not afford to repay the nXXXX balance that XXXX XXXX caused through this unapproved withdrawal. I have reached out to them with no resolution. 

I am requesting that this matter be reviewed and that XXXX XXXX reverse the {$38.00} debit or otherwise resolve the overdraft they caused due to poor timing and lack of transparency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation