vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
PayPal has {$99.00} of my money. All I did was sell two used XXXX XXXX. I have tracking numbers, proof of chats and insurance. I also packaged the XXXX  nicely and showed pictures. And no I do not have a business. They blocked my account and did not give a reason for doing so. The same thing happened with XXXX and I was able to get my money back after 3 months after filing a CFPB report. My email is XXXX. I am also going to call PayPal since they seem to have no email and go on social media. These companies should not be allowed to hold your funds. The government is shutdown my husband is not getting paid ( military ) and I am XXXX  and unemployed due to a recent XXXX  and can not get unemployment and I am a student. It shows great customer care when you do that during a government shutdown and to a military family. These companies post on social media they are all about helping veterans while also taking their funds. We have gone through all emergency savings after XXXX. I am not one to see that my funds are being withheld and go oh well I will continue to file complaints and email CEO and whoever else I need to. After this I am not sure if I will use PayPal ever again which is a shame since I have been using it since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven year
s, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-10-27 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:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven year
s, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This complaint is regarding inaccurate late payment reporting on a closed Bank of America revolving credit account. The account has a {$0.00} balance and was closed by the consumer, but the company is reporting a Late 60 Days payment history.

I requested validation of the late payments. Bank of America and the credit reporting agencies have not provided the original account records, payment logs, or billing statements proving these alleged delinquencies.

Under the Fair Credit Reporting Act, the furnisher must be able to verify the accuracy of the late payment history ( 15 U.S.C. 1681s-2 ( a ) ), and the credit bureaus must ensure maximum possible accuracy ( 1681e ( b ) ).

Because this account is closed, and no active billing cycle exists, the company must be able to provide the exact historical payment records to substantiate the late reporting. To date, those records have not been provided and the information remains unverified.

I am requesting that the late payment history be removed from all three credit reports. If Bank of America is unable to verify the dates and sequence of the alleged late payments using original business records, then I am requesting full deletion of the tradeline per 1681s-2 ( b ) ( 1 ) ( D ).

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 2025-10-27 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: LA

Complaint narrative:
I am submitting this complaint because there are multiple inaccurate, unauthorized, and misleading items appearing on my credit report that are violating my rights under the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Fair Debt Collection Practices Act ( FDCPA ). These items are causing ongoing harm to my creditworthiness and reputation. I have already disputed these matters with the credit bureaus, yet the information remains uncorrected, indicating a failure to perform a proper reinvestigation as required by federal law. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX These are not my verified addresses and must be deleted under FCRA 609 ( a ) ( 1 ) for failure to verify the source. 

XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$4100.00} | Charge Off * * Unverified account with no proof or original contract provided, violating FCRA 607 ( b ) and 611 ( a ) ( 1 ). Must be deleted immediately. 

XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$6100.00} | Charge Off * * Reported without proper validation or verified documents. Violates FCRA 611 ( a ) ( 1 ) ( A ) and must be removed for inaccuracy. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$1900.00} | Collection * * Medical account shared without consent violates FCRA 604 ( g ) and HIPAA. Must be deleted immediately. 

Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Both are unauthorized with no permissible purpose under FCRA 604 ( a ) ( 3 ). Must be deleted to protect my privacy rights.

All of the above-mentioned items have violated the FCRA by failing to ensure the maximum possible accuracy, performing inadequate reinvestigation, and retaining unverifiable and unauthorized information. I request immediate deletion of these inaccurate items from my credit report. Please conduct a full and lawful reinvestigation and provide written verification of each correction. Failure to comply will result in further action with the Federal Trade Commission and my State Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
SPS representatives told me I could make XXXX XXXX monthly payment while I was between jobs to keep our loan in good standing. in XX/XX/2025, SPS then provided a reinstatement quote for a specific amount to bring the loan current. 
After I secured those funds, SPS refused to accept the payment and/or raised the amount due, making it impossible for me to bring the mortgage current as promised. SPS 's actions have caused severe financial harm and appear to violate RESPA servicing standards by failing to honor payment arrangements by not accepting proper tendered payments. 

I want SPS to : reinstate my mortgage based on the original XX/XX/2025 quoted amount remove any fees or penalties added after that quote honor the prior {$500.00} payment arrangement that SPS offered and suspend all for foreclose activities while this issue is reviewed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NC

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately.

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

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 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I made a purchase with XXXX on XX/XX/year> of the amount of {$180.00} but XX/XX/XXXX I had made a refund process due to problems with the product I receive as well as it wasnt the actual brand and model that I paid for but I been telling XXXX that my bank account got close and I havent receive the refund it was sent back your company but it was told that it didnt and the refund was fully processed and for me to contact my bank about the problem I contacted truist bank about the matter I was told it didnt come to my account because it is close as well it if it was to be refunded it would reject because the account is permanently close I need my money and these two company hasnt been given it to me I need help please.

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 2025-10-27 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: NY

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  FRAUDULENT INQUIRIES : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXXXXXX 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 2025-10-27 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: VA

Complaint narrative:
Dear Experian 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

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 2025-10-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I placed the order in good faith and paid for the item expecting it to arrive as described. However, the package was never delivered to me. I contacted the company to resolve the issue, but they were unresponsive or dismissive, and the situation remains unresolved. It is unfair and unreasonable that I am forced to repeat this dispute process for the same issue when the company has not fulfilled its obligation to deliver the product. 




This repeated dispute has caused unnecessary stress, wasted time, and inconvenience. I am requesting that the CFPB investigate this matter, ensure that the company provides verifiable proof of delivery, and require that the disputed charge be fully reversed or refunded. I also request that this complaint be noted as a pattern of unfair or negligent business practices if the company has shown a history of unresolved delivery disputes with consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
We disputed fraudulent charges to the credit card company. XXXX  does not actively monitor or protect credit card companies, and our audit found the mistake had occured repeatedly over 4 months. They found that we were scammed, and refunded our money. The next month they charged the fees again except this time the charges were not disputable. When we called and spoke with customer service, they explained they had lost money to the scammers, and had to charge us to get it back. They chose to support and assist the scammers, instead of supporting and protecting their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EdFinancial Services
State: MA

Complaint narrative:
Dispute of Incorrect Late Payment Reporting Student Loan Account To Whom It May Concern, I am disputing a late payment reported on my credit report for my student loan serviced by Edfinancial Services. This negative mark is inaccurate and unfair for the following reasons : I was previously enrolled in autopay through XXXX and reasonably expected that payments would resume automatically when required. I was never contacted by Edfinancial Services regarding the platform change or the restart of payments. I received no calls, emails, or letters informing me that I needed to take action to set up payments on a new platform. 
I have been paying these loans consistently since XX/XX/year> and had never missed a payment until this issue occurred. As soon as I became aware of the problem, I immediately brought my account current and have made every payment on time since then. I have attached a screenshot of my recent payment history from Edfinancials platform as supporting evidence.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting must be accurate and fair. Reporting a late payment without proper notification of servicer changes and payment restart is misleading and does not reflect my intent or ability to pay. 
Please investigate this matter and remove the late payment from my credit report. I have attached supporting documentation, including my payment history screenshot, to verify my claim. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I state that the false late payment records on my accounts violate 15 USC 1666. I have always submitted my payments on time, making these reporting errors both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-10-27 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: LA

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 : 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 FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: NY

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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