vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I am submitting this formal complaint to the CFPB regarding a fraudulent transaction that occurred on XX/XX/year>, and PayPal , Inc.s complete failure to resolve the matter or take any corrective action. This incident highlights broader systemic deficiencies in PayPals fraud prevention and consumer protection mechanisms. 

Transaction Details Date of Transaction : XX/XX/year> Amount : {$55.00} USD Payment Platform : PayPal Recipient Name : XXXX XXXX Recipient Email : XXXX Transaction Type : Payment for goods ( peer-to-peer ) Summary of the Fraudulent Activity I made a payment of {$55.00} via PayPal to an individual who represented himself as a legitimate seller of goods. Following receipt of payment, the seller acknowledged the transaction and claimed to have shipped the goods. However, I never received the goods. 

Shortly after the payment, the seller blocked me on all communication platforms, including XXXX, preventing any follow-up discussion or resolution. These are classic indicators of intentional fraud and bad-faith conduct. 

PayPals Inaction I promptly reported the fraudulent activity to PayPal and requested a refund under their Purchase Protection Policy. Despite presenting a clear and credible case supported by evidence of fraud ( no delivery, blocked communication ), PayPal : 1. Refused to refund the transaction 2. Took no action to investigate or suspend the fraudulent account 3. Did not request or review evidence from my side beyond a basic form submission 4. Failed to communicate any meaningful rationale for rejecting my claim This pattern indicates not merely neglect but a systemic failure to enforce basic consumer protection standards. By allowing fraudulent users to remain on their platform with no consequences, PayPal has created an environment in which bad actors are empowered to defraud consumers with impunity.

Ongoing Risk to Consumers This is not an isolated incident. Numerous online reports and user reviews reveal a widespread pattern of PayPal ignoring reports of fraud, closing disputes prematurely, and shielding fraudsters under the guise of peer-to-peer transaction disclaimer even when sellers misrepresent their identity and the nature of the transaction. 

By failing to enforce its own user agreement and anti-fraud policies, PayPal is violating the reasonable expectations of safety, fairness, and due diligence that consumers rely upon when using financial platforms. The companys posture is negligent at best and enabling of fraud at worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: Keystone Lending Alliance, LLC
State: PA

Complaint narrative:
According to 15 US 1681. I have hard inquiries on my report that I dont recognize. I disputed and you sent me personal information that dont belong to me. U sent me another persons account information that clearly violates identity theft. I have that information and will use it to get my inquiries removed from my report. I will also call the person and let them know I got all there personal information from ally. Any hard inquiries from ally. Plz remove. 

https : 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 2025-07-27 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: IN

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

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
Consumer complaint received 2025-07-27 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: IN

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

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 non-monetary relief
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
Asking to remove in accurate items on credit report. No copy of validated report / or 1099C nor contracts allowing oblivious remarks on my report. Feeling overwhelmed and stressed by credit report issues is a common and understandable response, as there's a strong link between financial concerns and mental well-being. It unfair businesses practice. Mental illnesses often involve persistent patterns of thoughts, feelings, and behaviors that significantly impact daily life, while overreactions are usually temporary and loss due to hardship

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 2025-07-27 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX RE : Formal Objection Alleged Mortgage Transfer and Misrepresentation Property Address : XXXX XXXX XXXX, XXXX, MA XXXX Ref : Alleged Mortgage Transfer from XXXX to U.S. Bank XX/XX/XXXX To Whom It May Concern, I am writing in response to a recent letter sent by your firm referencing a mortgage alleged to have been transferred from XXXX XXXX XXXX XXXX  to U.S. Bank on or about XX/XX/XXXX, in connection with the property at XXXX XXXX XXXX, XXXX, MA. 

I categorically dispute the legitimacy of this mortgage transfer and any associated debt obligations. This letter is to formally notify XXXX XXXX XXXX of the following material facts : XX/XX/XXXX XXXX  CEOs office called due to the CFPB correspondence letters and they can not assist. US Bank was the loan servicer on XXXX XXXX of XXXX, for the 30 year conventional loan for XXXX XXXX XXXX, The loan is not with XXXX and they discontinued relationships with US Bank on XX/XX/XXXX, After XXXX, XXXX had no mortgage for this property.They were paid off. From the XXXX origination with XXXX XXXX XXXX - his name alone was on the XXXX note. XXXX has no idea how they submitted the application with XXXX. XXXX does not know if my name is on the XXXX XXXX. 
In XX/XX/XXXX XXXX stated that I was NOT on the note.. 
XXXX mentioned and they have several complaints about this so they are looking for the date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-27 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: CO

Complaint narrative:
A few months ago, a XXXX XXXX XXXX XXXX was added to my account, but I never received, activated, or used the card. I called XXXX XXXX twice at that time to explain the situation and asked them to close the account, which they confirmed. 

Today ( XX/XX/2025 ), I called again and was told the account was officially closed on XX/XX/2025. The representative acknowledged that the account was closed but said the annual fee was still charged after the closure. They apologized and admitted this shouldnt have happened, but also stated they couldnt help me with the credit reporting side. 

Now a {$160.00} late payment is showing on my credit report, which has caused my credit score to drop by XXXX points. Im requesting that this account and the late payment be removed, as I never had access to or used the card, and XXXX XXXX has acknowledged the account was closed.

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 2025-07-27 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I have never lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. My address is and has always been XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX. I have requested that each of the credit reporting agencies remove the address of XXXX XXXX XXXX, XXXX XXXX XXXX, as it is a fraudulent address, and they have not done so. I am requesting that the CFBP investigate this matter. Also there is a fraudulent account XXXX XXXX XXXX account number XXXX, that must be removed and blocked from my credit report, as this is not my account and I have never allowed anyone to open this account in my name using my personal 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 explanation
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I have never lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. My address is and has always been XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX. I have requested that each of the credit reporting agencies remove the address of XXXX XXXX XXXX, XXXX XXXX XXXX, as it is a fraudulent address, and they have not done so. I am requesting that the CFBP investigate this matter. Also there is a fraudulent account XXXX XXXX XXXX account number XXXX, that must be removed and blocked from my credit report, as this is not my account and I have never allowed anyone to open this account in my name using my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-27 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:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-07-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NV

Complaint narrative:
Jefferson has a debt that they are saying is mines and I have no idea where it came from and whose the original creditor I updated my information on XXXX XXXX  and they used it and said it was my debt this is false there was a breach in mXXXX XXXX  account and I suffered identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
As of XXXX, XXXX, XXXX, the Cash App Security Settlement has been approved for 5 months. Since then, there has been no actual update for claimants who have had their claim approved or denied ( and resubmitted ). 

I submitted my claim on XX/XX/XXXX. My Claim ID is XXXX. Since then, I have not received a single update, approval, or denial notice. 

I emailed the administrator on XX/XX/XXXX, asking for a status update. They responded the next day ( XX/XX/XXXX ) with a boilerplate message stating that the court approved the settlement on XX/XX/XXXX, and that claim processing was ongoing. 

I emailed again on XX/XX/XXXX, asking for any updated information. I received the exact same message, with no acknowledgment of my previous communication. 

I also left a voicemail through their listed phone number ( XXXX ) requesting help and clarification. It has been over two months, and I have not received a single callback, email follow-up, or message of any kind.

I have reviewed the official website, which says claim deficiency responses are ongoing, yet also claims that processing is already complete. This contradicts their repeated statements and has led to confusion and distrust. 

The complete lack of transparency, clarity, or proper communication suggests serious mismanagement or disregard for the claimants affected by this case. As someone who has experienced fraud through Cash App and turned to this process for restitution, I feel misled and ignored. 

I urge the CFPB to investigate the administrators conduct and ensure that class members like myself are being treated fairly. We deserve clear answersnot a form response five months after court approval.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In XXXX I requested a refund for a positive balance on a closed Citi XXXX XXXX XXXX account. According to my account information on Citi 's website, Citi agreed to " Credit Refund as Requested '' the amount of {$2700.00} on XX/XX/XXXX. I was told by Citi 's Customer Service that a check was being sent ; it has not arrived. I have called the Citi Customer Service several times where I'm told the problem is the postal service. Finally on XX/XX/XXXX, I insisted that a new check be sent. It's now XX/XX/XXXX, and I still haven't received it.

I'm sure if my payment to Citi was over two months late, I wouldn't be given more time by simply saying the payment is lost in the mail. I would receive late payment penalty and interest charges. Why isn't Citi held to the same standard?

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 monetary relief
Consumer complaint received 2025-07-27 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-27 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: GA

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

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