vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 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: NJ

Complaint narrative:
I disputed a XXXX XXXX account with XXXX XXXX and Experian. As a result of their automated dispute process, my XXXX XXXX accounts were incorrectly coded as Consumer disputes this account, even though I did NOT dispute all my XXXX XXXXXXXX account. This dispute remark is inaccurate. Because XXXX, and Experian placed this remark, XXXX XXXX was required to immediately update my account data causing mid-cycle balances to be reported that do NOT reflect my actual statement balances. I normally pay these accounts off before the statement date. These mid-cycle balances negatively impacted my XXXX XXXXXXXX, and the dispute remark itself is inaccurate and was not initiated by me. I contacted XXXX XXXX to remove the dispute remark, but they refused unless I opened a new 30-day digital dispute, which is inappropriate because I am NOT disputing the account. I only need the inaccurate remark removed and the reporting corrected. Under FCRA 623 ( furnishers must provide accurate information ) and 611 ( consumer rights to correct inaccurate information ), I am requesting that the CFPB require XXXX XXXX to : XXXX. Remove the inaccurate dispute remark ( consumer disputes this account ) from all bureaus. XXXX. Send corrected, updated reporting to XXXX  Experian reflecting normal reporting ( not mid-cycle balances ). XXXX. Confirm that no dispute is associated with my XXXX XXXX accounts. I did NOT dispute any XXXX XXXX account, and this inaccurate remark is causing incorrect data to appear on my reports. I need this corrected immediately and permanently. * *

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 2025-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint regarding a {$750.00} charge from XXXX XXXX that Citibank refused to resolve properly. 

This first dispute was opened on XX/XX/XXXX and closed, then reopened again on XX/XX/XXXX for further investigation by audit team with documentation of my concussion. 

I suffered a medically documented concussion before my travel date and submitted a doctors note and CT scan showing I was medically unable to fly. I provided all documents to Citi. 

Citi initially issued a provisional credit but reversed it after the merchant responded, even though the merchant did not provide valid documentation. Citi repeatedly told me a merchant response letter was mailed, but I never received it. The dispute representatives gave conflicting information, could not confirm timelines, and could not confirm whether my documentation was reviewed by the back-office team. 

My case was mishandled, I was given inaccurate information, and my dispute was closed without proper investigation. It has now been over 2 months without a clear resolution. 

Details : I disputed the {$750.00} charge after I was medically unable to travel due to a concussion. 

I provided Citibank with all medical documentation from my doctor confirming I could not fly. 

Citibank initially issued a temporary credit, then reversed it while still stating the investigation was ongoing. 

Multiple representatives have told me different and conflicting information about whether my case was closed, reopened, or under audit. 

Citibank told me a letter with the merchants response was mailed to me, but I never received it, and several agents confirmed they also do not see any letter on file. 

I have been told multiple times that the backend team is still investigating, but no timeline or escalation path has been provided. 

When I visited a Citibank branch to escalate, the banker could not assist and only contacted the same customer service line. 

I requested an escalation or dispute manager but was told none were available and no one could contact me.

Citibank has stated they need additional documents from the merchant, but I have no ability to obtain these documents myself. 

I paid the full {$750.00} on XX/XX/XXXX while still awaiting Citibanks investigation, so I am fully financially impacted.

It has now been over 2 months with no clear answers, no written communication, and no way to resolve this directly with Citibank.

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 2025-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
I am filing a new complaint because PayPal mishandled several disputes on my account involving intangible XXXX XXXX. The issues involve procedural failures, incorrect dispute classification, premature financial penalties, and acceptance of fraudulent or irrelevant evidence. 

XXXX. PayPal debited my account before any investigation. 

My account was immediately placed in a negative balance the moment buyers filed disputes. PayPal removed funds before I was able to respond, submit evidence, or participate in the dispute process. This contradicts their stated policy and contradicts the statement they provided to CFPB in their previous response. 

XXXX. All disputes were incorrectly classified as Item Not Received. 

I provide intangible XXXXXXXX XXXX XXXX XXXX. There are no physical items involved. 
Despite this, every dispute I lost was classified under the goods-based dispute category Item Not Received, which requires shipping or tracking proof that does not apply to my business. 

This misclassification made it impossible for me to meet PayPals proof requirements and directly caused the denial of my claims. 

XXXX. PayPal accepted fraudulent and irrelevant buyer evidence. 

One buyer submitted a random picture from another platform claiming I sold them a computer component. I do not sell computer parts, and there is no message history or transaction evidence to support this.

Despite its irrelevance, PayPal accepted this as buyer evidence while dismissing : My proof of completed services My uploaded disclosure and no-refund policy My service documentation My session logs This demonstrates a failure to verify authenticity and a biased evaluation of evidence. 

XXXX. PayPal retroactively imposed documentation requirements. 

In their previous CFPB response, PayPal stated I should have provided signed contracts or additional documentation. These requirements were never disclosed during account setup, transaction processing, or dispute submission. 
Introducing new standards after the decision is not transparent or fair. 

XXXX. The dispute pattern indicates systemic mishandling. 

In my Resolution Center history : Every dispute misclassified as Item Not Received was lost The only case not labeled under that category was decided in my favor This proves the outcomes were driven by misclassification, not lack of evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Reinvestigation & Deletion of Unverifiable Information Under the FCRA To Whom It May Concern, I am formally disputing information contained in my credit report under 15 U.S.C. 1681i. I request a reasonable reinvestigation of all information in my file that can not be verified. 
Federal law requires you to complete the reinvestigation within 30 days, verify information with the furnisher, delete unverifiable items, and provide written results with an updated report. 
If any item can not be verified with competent evidence, it must be deleted promptly.

I have enclosed copies of my ID, SSN, and proof of address. 
Sincerely, 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 2025-12-10 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:
I am disputing inaccurate information being reported by XXXX XXXX XXXX XXXX on my credit report. The credit score currently shown is incorrect and has not been updated to reflect my true payment history. The report shows late payments or negative activity that do not accurately represent my account history, as I have always made timely payments and have never been late.

The incorrect score and reporting appear to have begun on [ insert approximate date ] and continue to be reflected on my report. I have reviewed my records carefully and confirmed that all payments were made on time. I have contacted the company to address this issue, but the credit score and account information have not been corrected or updated. 

I am requesting that the inaccurate credit score and reporting be updated immediately to accurately reflect my responsible, on-time payment history, as the current information is misleading and negatively impacting my credit profile.

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 2025-12-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: CA

Complaint narrative:
Procollect is behaving in a very unethical manner by refusing and failing to do what the company in its submission to the CFPB stated in its submission that it has instructed the credit bureau to delete from my credit report the collection record it reported to the credit bureaus.

I have attached to this complaint the two submissions by Procollect to the CFPB stating that it has instructed the credit bureau to delete the collection record it reported on my credit report. CFPB bear in mind that Procollect had ample time twice to review my complaint and make its submission to the CFPB. I have submitted several documentations to the company showing that I do not owe the debt it is trying to complete and I have attached the two submissions by Procollect to the CFPB that it has instructed the credit bureau to delete the collection record it reported on my credit report with the bureaus.

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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is reporting inaccurate information about an account ending in XXXX. The account was charged-off and then transferred to a third-party collection agency. I received written confirmation that the account has been placed with XXXX XXXX XXXX XXXX XXXX for collection. 

Despite this transfer, Bank of America continues to : Report a {$2000.00} active balance Report a {$2000.00} past-due amount Update the tradeline as recently as XX/XX/year> Verify account information with XXXX  as XXXXhough they still own the debt Under the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ( A ) ), furnishers may not report information they know or should know is inaccurate. Once a debt is sold, transferred, or assigned, the original creditor must report : {$0.00} balance {$0.00} past due Sold/Transferred status No new balance updates or payment activity Bank of XXXX reporting violates : FCRA 623 ( a ) ( 1 ) ( A ) inaccurate information FCRA 623 ( a ) ( 2 ) failing to correct information after notice of error FCRA 623 ( a ) ( 3 ) improper handling of a disputed account FCRA 623 ( a ) ( 5 ) incorrect charge-off and balance reporting Bank of America no longer owns or services this debt, therefore they can not : Verify a current balance Report a past due amount Update the accounts status after assignment Furnish account information as though they remain the creditor This misinformation is materially harming my credit standing and misleading lenders.

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 2025-12-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NE

Complaint narrative:
On XXXX XXXX, I started receiving back to back text from Cash app that transactions from XXXX wallpaper and plant identifier, there were all for XXXX. I went into the cash app and tried to block the vendor as I had done in the past and it wouldn't let me so I went to an ATM to try to withdraw my money left as to not let them take it. It didn't work between these XXXX vendors or apps they drakned my acct. I also noticed that there was a message in red from cash app saying they had deactivated my acct due to violation of terms of agreeement for gambling ( which I have yet to find ). so mmy account was deactivated before these transactions went through which should be impossible. there have been many times I've been making a transaction and will get a text from cash app asking if it was me due to suspicious activity. now what part of XXXX transactions from XXXX vendors in the middle of the night there were XXXX transactions every second for XXXX hours wasn't suspicious. I have filed disputes on all these transactions haven't heard one word from them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: GA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA.

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING.

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
To whom it may concern ; XXXX, my name is XXXX XXXX, I have an ongoing issue with Synchrony bank in reference to two accounts. XXXX of them being my XXXX XXXX XXXX along with my AUTO XXXX CREDIT CARD XXXX. 

I have attempted to contact Synchrony bank by phone several times and my snail mail to only get a run around, rude customer service and now letters from collection agencies for the amounts Synchrony bank says I owe them. 

Back in XXXX of this year I sent a Settlement offer to them agreeing to pay almost half of the amount they stated I owe which was {$570.00} for the Car XXXX XXXX account which is currently being collected by XXXX XXXX XXXX. I did originally set up a payment arrangement with the bank on condition they would remove any and all negative information on my credit report. They indicated that would be done, but two months later I got an alert saying I was past due Synchrony has been reporting false and negative information to the credit bureau reporting agencies and continue to try to collect on the amount they claim I owe. As of today, the balance they claim on my car credit account is {$1200.00}. This is over {$720.00} in late fees and interest. This is totally ridiculous. 

I have in good faith attempted to resolve this problem, I have been willing to pay almost half the original amount, but XXXX refuses to help me. I am having to go through major medical and financial situation right now and this is all that I can afford. 

Synchrony bank is trying to collect on two separate accounts and reporting false and negative information to my credit bureau report. i would like assistance in trying to resolve these matters and put them aside.

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 2025-12-10 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this statement because I am a victim of identity theft. On XX/XX/year> I became aware of unauthorized activity involving my personal information. I did not give anyone permission to use my information, and I did not authorize the actions described. 
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file. 

I am demanding an immediate reinvestigation and deletion of the following account from my credit file : Disputed Account Information : List Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GROUNDS FOR REMOVAL : Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days.

I am exercising this right and demanding strict compliance. Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer.

Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law.

Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately. 

YOU ARE HEREBY PUT ON NOTICE : You have 30 days from the receipt of this letter to complete a lawful investigation. 

If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted. 

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed. 

I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
several times Ive called this company and requested for 1099C or for understanding with the credit reporting. It is reported on my credit that this was charged off. The amount is over {$600.00} so I believe I am owe a 1099C and that they should not be able to try and attempt to collect on a debt that they have filed charge off for. This needs to be removed from my credit report or updated if it is not a charge off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This account is not mine and has been wrongfully added to my credit report with misleading and incorrect information.

Company response to consumer: Closed with explanation