vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year>, my neighbors grandson asked me to help transfer money. His friend sent money of {$710.00} to my PayPal account, and I immediately forwarded it to the grandsons girlfriend through XXXX. I did not keep any of the funds. 

On XX/XX/year>, I was notified that the sender filed a chargeback with his bank, claiming the transaction was unauthorized. PayPal closed the case in the senders favor, leaving my account with a negative balance. The sender claims he was hacked, when I called in XXXX of this year, PayPal representative said they received a report from the sender bank stating that it was him who called the bank to file a chargeback dispute and he wasnt hacked. The amount of the negative balance is {$720.00} that includes a {$15.00} return fee from PayPal. 
I try for months for the sender to payoff the negative balance. He was making excuses so I went to file a police report on XX/XX/XXXX, I also email him back in XXXX. To get this resolved but he read it and didnt respond. He texted me for the first time because my neighbors grandson gave him my number, the grandson told him I was going to the police station. I try to get PayPal removed the negative balance on my account since it wasnt my fault ; they refused. 

Since then, I have : Filed a police report ( XX/XX/year> ) Despite these steps, I remain stuck with a negative balance for money that never stayed in my possession. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
Creditors and debt collectors have repeatedly contacted me, often in a threatening or harassing manner, demanding payment for debts that are not valid or associated with me. These calls and threats have caused significant stress, disruption to my life, and damage to my personal and financial well-being. 

I want to make it clear that I am not responsible for these fraudulent accounts or the debts attached to them. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws to dispute these accounts and request that they be removed from my credit report immediately. Not sure of exact dates XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: MD

Complaint narrative:
PayPal will not close or lock my account and continue to accept payments and pay debits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

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 2025-09-23 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: CA

Complaint narrative:
I am reaching out again because of the damaging and inaccurate reporting of certain charged-off accounts on my credit file. These entries are not only misleading but also unverifiable, and as such, they are causing significant harm to my creditworthiness. 
Specifically, I am disputing the reporting oXXXX XXXX XXXX XXXXXXXX with a reported balance of {$760.00} and XXXX XXXX XXXX with a reported balance of {$3200.00}. XXXX XXXX with a reported balance of {$1400.00} After carefully reviewing my records, I found that neither of these accounts has been substantiated with an IRS Form 1099-C, despite both balances being above the {$600.00} threshold where such documentation is required if the debt was canceled or forgiven. Without this form, the accounts remain unverifiable, making their continued reporting inaccurate and unlawful. 
The Fair Credit Reporting Act ( FCRA ) clearly outlines my rights as a consumer. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies must ensure maximum possible accuracy in reporting. Allowing accounts with inconsistent or unverifiable information to remain on my credit file does not meet this standard. Furthermore, FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] requires the deletion of any item that can not be verified during a reinvestigation. The lack of a 1099-C and the absence of reliable supporting records render these accounts unverifiable.

Additionally, under 605B / 15 U.S.C. 1681c-2, I have the right to request the permanent removal of information that can not be verified or that may have been the result of inaccurate reporting. The continued listing of these charged-off accounts without proper verification constitutes a violation of this provision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Optio Solutions, LLC
State: AZ

Complaint narrative:
Name : Qualia Collection Services on behalf of XXXX XXXX XXXX * Product/Service : Rental housing debt collection I am disputing debt collection activity by my former landlord, XXXX XXXX, relating to an eviction in Arizona. 

On XX/XX/year>, I was evicted from my apartment at XXXX  on XXXXXXXX XXXX XXXX XXXXXXXX, AZ. The court entered a judgment against me in the amount of {$5300.00} ( XXXX XXXX. XXXX ). 

After the judgment, XXXX XXXX XXXX me a * * Final Account Statement totaling {$14000.00} nearly triple the amount of the court judgment. This statement includes : * Duplicate charges for rent, legal fees, and lease break penalties that were already part of the judgment. 
* A Charge-Concession fee of {$4300.00} and a separate Buyout Fee of {$4300.00}, which appear to be duplicate charges as the judgement already included a concession fee. 
* Vague and unexplained charges such as XXXX XXXX and Building/Facility Fee. 

I believe this is an unfair collection practice based on the below : XXXX. The court already ruled the judgment amount, and they are trying to collect more without returning to court. 
XXXX. They are inflating the debt with duplicate and questionable fees. 
XXXX. They have sent this inflated amount to collections, which could damage my credit. 

I have reached out to XXXX XXXX XXXX  to resolve this matter and they have not properly responded nor sent any communication via US mail as I requested. 

I have documentation to support my complaint, including the court judgment and the final account statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: LA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I have identified collection accounts on my credit report that I believe contain inaccurate information. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and verifiable. I request a review of these accounts, and if they can not be confirmed as accurate, they should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/year>, I booked a XXXX rental for {$750.00}, which included a {$500.00} refundable security deposit. On the day of the trip ( a XXXX  ), the host canceled and rebooked me twice for other vehicles. This resulted in XXXX additional charges : {$560.00} and {$500.00}. I never authorized these additional charges but hoped XXXX would reverse them once the trip was sorted out. They never did. I had no choice but to escalate this to Capital One. 
The final cost of the rental was only supposed to be {$250.00} confirmed in XXXX documentation. However, I ended up paying {$750.00} out of pocket. That is a {$500.00} overcharge. I reached out to XXXX customer service multiple times to resolve this, and they were of no help. I documented every charge and refund in a spreadsheet and provided proof from XXXX that the final bill was {$250.00} and that the {$500.00} deposit was part of the original {$750.00} charge. 
Capital One initially issued a credit for {$500.00}, but then reversed it. Every time I speak with Capital One, its a new agent who clearly has no knowledge of the case, forcing me to re-explain everything from the beginning. I received multiple generic messages stating I had not submitted the correct documentation even though I had provided bank statements, receipts, email threads with XXXX, and a complete transaction breakdown. When I called in, I was told something convoluted about XXXX rules requiring that XXXX admit they made a mistake which is absurd, since XXXX would never admit to fraud. At no point has Capital One given my case a proper review or real explanation. 
I am requesting that Capital One refund the {$500.00} I was overcharged. This is a straightforward billing issue, not a dispute about service or quality. I am escalating this complaint to the CFPB because both companies have failed to resolve it after repeated and well-documented efforts. XXXX XXXX : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CT

Complaint narrative:
Dear Transunion, This is my formal dispute regarding multiple inaccuracies in my credit report. Previous disputes were filed and confirmed under File # XXXX, yet no meaningful corrections have been made. Under the FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( C ), I am demanding a reinvestigation consistent with Metro 2 reporting standards and maximum possible accuracy.

Accounts in Dispute ( Metro 2 Noncompliance ) : XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX -- This account has been illegally reinserted without proper notification and no proper communication, I was never been informed. I was never been late in making my payments it is totally inaccurate that I was late XX/XX/XXXX because this NEVER happened. 

XXXX XXXX XXXX DATE OPENED XX/XX/XXXX -This account has been illegally reinserted without proper notification and no proper communication, I was never been informed. This was paid before it went to the charge off and never been late in making my payments, please delete this 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 non-monetary relief
Consumer complaint received 2025-09-23 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: IN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER 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 2025-09-23 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: NJ

Complaint narrative:
I asked Trans Union Experian and Equifax of the repossession that has been reported on my credit file in connection with the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any inaccurate or incomplete information being reported. 

The repossession listed is inaccurate and must be investigated for the following reason : Failure to Validate Debt : To date, I have not received proper validation of this alleged repossession debt despite requests, which is required under the Fair Debt Collection Practices Act ( FDCPA ) if this account is being collected by a third party. 

XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$9800.00} Balance updated XX/XX/XXXX In accordance with federal law, the credit bureaus is required to provide full documentation verifying the accuracy and legality of this repossession. 

Cease reporting this account if you can not fully substantiate its accuracy. 

Correct or remove any inaccurate information from my credit reports with all three credit reporting agencies ( Experian, Equifax, and TransUnion )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing EXPERIAN to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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