vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
On XX/XX/year>, at XXXX AM, I was notified by PayPal that my business account was permanently limited with no clear explanation. At the time of closure, PayPal was holding {$560.00} USD, with my last transaction occurring on XX/XX/year>, at XXXX AM. 

This account was strictly for my business, where I received payments from customers and made purchases for business expenses. My transaction history was entirely cleanno disputes, chargebacks, or any suspicious activity. Despite this, PayPal abruptly shut down my account, citing vague " potential risk, '' yet refusing to provide any supporting evidence or a specific reason. 

I have attempted to resolve this issue multiple times by contacting PayPal support and escalating my case, yet every response has been a generic template with no actual review of my account. When I asked for clarification on what policy I supposedly violated, PayPal refused to provide details, making it impossible to address or correct anything. 

I have had a personal PayPal account since XXXX with no issues, and this was my first time using a separate account exclusively for business transactions. XXXX actions of holding my funds for XXXX  days without justification are unfair and predatory. This is a major disruption to my business, and I should not be subjected to vague account closures with no recourse. 

I am formally requesting the immediate release of my held funds, or at the very least, a clear and detailed explanation of why my account was shut down. If PayPal continues to withhold my money without providing a legitimate reason, I will be pursuing further action through legal channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Santander, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is reporting Inaccuracies on my credit report, which is a violation, I've also requested the 1099C cancelation of debt because they have charged off these accounts and filed it as a loss on their taxes but still reporting charge off every month on my credit file. 
Under FCRA 623 ( a ) ( 1 ) inaccurate information reporting is a violation Under FCRA 607 ( b ) Credit bureaus must ensure accuracy. 
Under FCRA 611 ( a ) I have a right to Dispute incomplete or incorrect information Under FCRA 623 ( b ) It's your duty to investigate and report accurate information. 
Under FCRA 1681s-2 ( b ) Failure to correct errors- it is your duty to report accuracy on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unauthorized hard inquires from the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unauthorized hard inquires from the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
I am submitting this complaint against SoFi Bank due to their failure to remove me from a joint account with my abusive ex-partner, despite my repeated requests. Their refusal to close the account has put me in a dangerous financial and personal situation. 

Key Issues : XXXX. XXXX is preventing me from closing or removing my name from a joint account. 
I have explicitly stated that I do not consent to being financially tied to this person anymore. 
XXXX has told me that I can only close the account when the balance is positive, but my ex repeatedly drains the account into the negatives, making closure impossible. 
XXXX. This ongoing financial cycle is a form of economic abuse. 
My ex mismanages his money and intentionally overdrafts the account every paycheck. 
Because I am legally tied to this account, I am at risk of being held responsible for his debt and overdraft fees. 
This cycle repeats every XXXX weeks, preventing me from ever being removed. 
XXXX. XXXX has failed to provide a safe and reasonable resolution. 
I have explained this multiple times to XXXX customer service, yet they continue to tell me theres nothing they can do. 
I requested to be removed as an account holder or for XXXX to forcefully separate the accounts due to financial abuse, but they denied my request. 
I have even asked for overdraft protection to be permanently XXXX so that my ex can not keep putting the account in the negatives, but XXXX refuses to take action. 

How This Has Impacted Me : I am being forced to stay financially entangled with someone who has a history of abuse and financial irresponsibility. 
XXXX negligence is enabling financial abuse by allowing my ex to continue overdrafting the account and blocking me from financial independence. 
This has caused me severe emotional distress, financial insecurity, and fear for my personal safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX is reporting Inaccuracies on my credit report, which is a violation, I've also requested the XXXX cancelation of debt because they have charged off these accounts and filed it as a loss on their taxes but still reporting charge off every month on my credit file. 
Under FCRA XXXX ( a ) ( XXXX ) inaccurate information reporting is a violation Under FCRA XXXX ( b ) Credit bureaus must ensure accuracy. 
Under FCRA XXXX ( a ) I have a right to Dispute incomplete or incorrect information Under FCRA XXXX ( b ) It's your duty to investigate and report accurate information. 
Under FCRA XXXX ( b ) Failure to correct errors- it is your duty to report accuracy on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX is reporting Inaccuracies on my credit report, which is a violation, I've also requested the XXXX cancelation of debt because they have charged off these accounts and filed it as a loss on their taxes but still reporting charge off every month on my credit file. 
Under FCRA XXXX ( a ) ( XXXX ) inaccurate information reporting is a violation Under FCRA XXXX ( b ) Credit bureaus must ensure accuracy. 
Under FCRA XXXX ( a ) I have a right to Dispute incomplete or incorrect information Under FCRA XXXX ( b ) It's your duty to investigate and report accurate information. 
Under FCRA XXXX ( b ) Failure to correct errors- it is your duty to report accuracy on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and found a fraudulent account that hurts my ability to access credit. Please delete this fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-03-10 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: TX

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

XXXX XXXX : XXXX XXXX XXXX - Account # : XXXX - XXXX : {$310.00}

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 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Subject : Dispute of Incorrect Late Payment Marks on Credit Report Complaint Details : I am filing this complaint regarding incorrect late payment marks that have been reported on my Capital One credit card account. The details of my account are as follows : Creditor : Capital One Account Number : XXXX Account Type : Revolving ( Credit Card ) Account Status : Open Date Opened : XX/XX/XXXX Disputed Late Payments : XX/XX/XXXX, XX/XX/XXXX I have always made my payments on time and have never had any late payments. These reported late payment marks are inaccurate and are negatively affecting my credit history. I have already contacted the credit bureaus and the creditor to dispute this error, but the issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: VA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: PA

Complaint narrative:
XXXX XXXX has been reporting an account inaccurately. I have requested this information be removed several times, but they have failed to permanently remove it from my consumer reports. They also keep reporting this information as correct and accurate to other credit bureaus when it is not. This account contains multiple violation of the Fair Credit Reporting Act and I am requesting an immediate investigation into their reporting practices. This account is in violation of FCRA-609 ( a ) ( 1 ) Failure to provide verification. They have failed to provide proper verification of the debt including but not limited to the original signed contract, a complete payment history to confirm the accuracy of the balance, documentation proving legal authority to report this account FCRA 623 ( a ) ( 3 ) - Reporting Inaccurate Information ; XXXX XXXX is reporting this account with incorrect details which constitutes a violation of their obligation to report only accurate and complete information. 
IRS Requirement - Failure to provide 1099C for charged off debt. XXXX XXXX has listed this account as a charge-off but has not provided me with a 1099C ( Cancellation of Debt ) form as required by IRS regulations when a debt of {$600.00} or more is canceled. If they have truly charged off the debt, they must provide a 1099C to reflect the amount as income for tax purposes. Their failure to do so suggest that the charge-off status is inaccurately reported and misleading to creditors. 

I request immediate removal of this inaccurate and unverified account from my credit report. I ask CFPB to investigate

Company response to consumer: Closed with explanation