vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
I am disputing the following items currently being reported on my TransUnion credit file. 

XXXX. XXXX XXXX Account : XXXX, Account No. XXXX * * * *, Date : XX/XX/year>, Balance : {$49000.00} I believe this account is being reported in error or beyond the legal reporting limit under the Fair Credit Reporting Act. Please verify the accuracy, ownership, and date of first delinquency. If this information can not be confirmed or is outdated, please delete it from my credit report. 

XXXX. Late Payments : XXXX  XXXX XXXX, Account No. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX I am disputing the reported late payments on these accounts. I am requesting verification directly from the original creditor. If the reported delinquencies can not be confirmed with proper documentation, please remove them. 

Thank you for your prompt investigation and for keeping my credit information accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: TN

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of the following charged-off accounts on my Equifax credit report : Charged Off Accounts : XXXX : Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$7900.00} XXXX  : Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX : Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX : Account # XXXX, XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX : Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} XXXX XXXX : Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX : Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX XXXX : Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX XXXX : Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX  : Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX  : Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX  : Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX XXXX : Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} Inquiries : XXXX XXXX XXXX : Date : XX/XX/XXXX XXXX : Date : XX/XX/XXXX XXXX : Date : XX/XX/XXXX XXXX : Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was using PayPal to receive money from a friend Ive known awhile for some work I did for him. 

He send me XXXX payment for {$88.00}, which cleared the same day, and another on XX/XX/XXXX for {$1000.00} that took XXXX  days to clear, which it finally did on XX/XX/XXXX. And the funds, {$1000.00}, were showing as available in my PayPal account. 

I attempted to withdraw my newly-available PayPal funds to a linked bank account like Id done before but was unable to. 

Within a few minutes of these funds clearing and being available in my PayPal account, PayPal suspended my account, saying they needed more information from me. I called into PayPal and a PayPal representative had me upload my drivers license, a proof of address, and my social security number. I did all of these things, she put me on hold, and when she came back she said she thinks she has everything figured out so I can use my PayPal funds. 

Within another minute or XXXX the PayPal representative came back and said in fact XXXX wont be able to have access to my funds for XXXX  days. I asked why. She said she couldnt and wouldnt tell me as its part of their security team. She mentioned that a long time ago a PayPal account somehow linked to my name was XXXX. I have no idea what shes talking about here but I do know for years Ive been battling against the fact I was a victim of severe identity theft. Where the people got my social security number, address, phone numbers, and drivers license information. Theyve tried to file federal income tax returns in my name, apply for boat loans, payday loans and credit cards. So I guess theres always a chance whatever this lady was referencing was associated with that. I know as a result of this I have to have lifetime credit monitoring and each year I file my federal income tax return I have to enter a private PIN number they send me as a result of the identity theft. 

Regardless, the lady on the phone representing PayPal said there was now a XXXX  day hold on my account. The {$1000.00} available balance shows up when I log into my account. Yet Im not able to request PayPal mail me a check for that money to the home Ive lived in for XXXX years. And I cant transfer that money to my bank. The lady said to call back on XX/XX/XXXX and PayPal would help me transfer the money then. 

This is absolutely not acceptable. I worked hard for this money. Its mine. PayPal doesnt have the right to hijack or kidnap my money for XXXX  days. 

Im part-time retired and this was going to be some extra money I was counting on for the holidays so I could give my grandson a good XXXX. Now PayPal has ruined that. 

Please help me get my money PayPal is hijacking from me. 

Ive had this account since XXXX and for PayPal to all of a sudden limit my account and hijack my money a minute or XXXX after such an important money transfer receipt occurs is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a consumer working to fix my credit and am filing this dispute with the Consumer Financial Protection Bureau ( CFPB ). The following accounts are in dispute, and I respectfully request that they be investigated and resolved. Please note the accounts are separated by credit bureau ( Equifax. ) Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/2022 Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/2022 Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2022 Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2022 Balance : {$70.00} Late Payments : XXXX Account Number : XXXX Date Reported : [ Insert Report Date ] XXXX XXXX Account Number : XXXX Date Reported : [ Insert Report Date ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: SC

Complaint narrative:
I strongly disagree with the inaccurate information that remains on my credit report despite your previous investigation. I had previously submitted a letter requesting documented proof that the accounts and inquiries youre reporting are accurate, properly verified, and legally validated. To date, I have not received any response or supporting documentation from your end. 
I've been doing some research and I've been finding your agency to be in violation. You failed to conduct an investigation wherein FCRA section XXXX states that you are required to conduct a reinvestigation when a consumer disputes information, aside from that you had XXXX days to complete your reinvestigationXX/XX/XXXX days at maximum. 
XXXX - XXXXThis reporting 's accuracy is under question. Why does it appear that this account is not disputed on the account status when I had already disputed it? Shouldn't all the bureaus be reporting the same date of last activity? Why are they different? 
Why are they years apart? I am asking your agency to report only the accurate information and remove this on my credit report. 
XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Billing Error- Late payments.This late payment might have just been incorrect and your agency reported without even verifying it. You need to look into this account to verify every single information and to see if this account is verifiable. I need ALL the documents associated with this account. On top of that, I DEMAND AN IMMEDIATE UPDATE ON THIS ACCOUNT, CORRECT THEM AS SOONER. 
BETTER HAVE RESULTS AFTERXX/XX/XXXX DAYS! 
XXXXXX/XX/XXXXXXXX-This inquiry report was Never Initiated and had No Permissible purpose. I would like to be provided proof that I consented to this inquiry. If you have no proof of any or XXXX, I would like it removed immediately. 
XXXX - XXXXThis inquiry report was Never Initiated and had No Permissible purpose. I would like to be provided proof that I consented to this inquiry. If you have no proof of XXXX of XXXX any or XXXX, I would like it removed immediately. 
XXXX XXXXXX/XX/XXXX - XXXXThis inquiry report was Never Initiated and had No Permissible purpose. I would like to be provided proof that I consented to this inquiry. If you have no proof of any or XXXX, I would like it removed immediately

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 2025-11-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX. is inaccurately reporting a late payment on an installment account ending in XXXX. The alleged delinquency appears on Experian, Equifax, and TransUnion credit reports and continues to verify as accurate despite multiple disputes. 

The payment in question was made on time. Documentation and payment proof were provided to all three credit bureaus between XX/XX/year> and XX/XX/year>. Additionally, XXXX XXXX Bank previously issued written correspondence stating that the late payment notation would be removed ; however, the account remains inaccurately reported as delinquent. 

This ongoing inaccuracy violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), prohibiting the furnishing of false information, and 623 ( b ) ( 1 ), requiring furnishers to conduct a reasonable reinvestigation upon notice of a dispute. Furthermore, under the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ), this constitutes a billing error, as the creditor failed to properly investigate and correct the account after being notified of an error in the billing or reporting process.

The consumer requests immediate deletion or correction of the inaccurate late payment entry and confirmation that the account is being accurately reported to all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
My employer changed, and so my HSA account changed from Optum Financial to Optum Bank. My HSA did not transfer over to Optum Bank.

Now Optum Financial is charging me {$3.00} a month for service fee, for the last XXXX  months. Throughout the course of the XXXX  months, I tried reaching out to Optum Financial to initiate the HSA transfer. I mailed in the form they requested XXXX  times over the span of XXXX  months, I called customer service about XXXX times, who had initially confirmed that the money will be transferred to Optum Bank. But it still hasnt. 

The total fees charged up to date because of their lack of action is {$51.00}. Accounting for interest and their continued lack of action, this can easily hit {$1000.00} in the next XXXX  years. 

On multiple occasions, I tried contacting both Optum Financial and Optum Bank. All they guide me to is to send a paper mail with the HSA transfer form, which I have already done XXXX  times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: MI

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b. 

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Self Financial Inc.
State: DC

Complaint narrative:
I am submitting this complaint regarding unauthorized withdrawals from my XXXX Bank business checking account by a company called Self Financial , Inc. and/or Lead Bank . I have never opened any account, applied for credit, or otherwise authorized this company to access my funds. 

Over the past several weeks, I received multiple emails indicating that Self was taking deductions from my account. When I investigated, I found numerous consumer reports describing a similar problemunauthorized debits linked to Self Financials Credit Builder program. I have no relationship whatsoever with this company and do not understand how they obtained my business account information. 

I am requesting a formal investigation into how Self Financial or Lead Bank gained access to my account, as well as immediate steps to ensure this company ceases all debits and returns my funds.

Please forward this complaint to both Self Financial , Inc. and Lead Bank for response, and provide written confirmation of the actions taken to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TekCollect Inc.
State: TX

Complaint narrative:
They are sending multiple text messages without validation They are trying to collect a debt that does not belong to you They are using digital messages to pressure payment They are misrepresenting the validity of the debt You have not received written notice or validation They are violating FDCPA 807 and 809

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
I am writing to formally report that I am a victim of identity theft. The account listed below was fraudulently opened and/or used without my authorization. This fraudulent activity has resulted in an inaccurate and damaging entry on my credit file. 

Account Information : Creditor Name : XXXX Account Number : XXXX Account Status : Closed Charged Off Balance Reported : {$230.00} Opened : XX/XX/XXXX Last Payment Reported : XX/XX/XXXX Verified : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights as a consumer : XXXX. FCRA 605B ( 15 U.S.C. 1681c-2 ) You are required to block any information on my credit file that results from identity theft within XXXX ( XXXX ) business days of receiving my identity theft report. 
XXXX. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) The furnisher of this account must provide me with copies of any application and transaction records related to the fraudulent account. 
XXXX. FCRA 611 ( 15 U.S.C. 1681i ) You must conduct a reasonable investigation of my dispute and remove or correct any inaccurate or unverifiable information.

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 2025-11-11 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: EQUIFAX, INC.
State: WI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have received communication regarding this debt, and/or it has appeared on my credit report, but I have not been provided with sufficient documentation to verify that I owe this debt, the amount is correct, or that Target/TD has the legal right to collect it.

Company response to consumer: Closed with non-monetary relief