vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
My student loans were moved to a new servicer, but I was never properly informed of the transfer. I did not receive the standard notices explaining that my loan was being reassigned, who the new servicer was, or how to access a new online portal. All correspondence was sent to an old mailing address and to email accounts that I had never set up with the new servicer, since I was unaware the transfer had taken place. 

Because I did not receive any of the required communication, I had no way of knowing that payments had restarted or that I needed to create an account with a new company. The first time I became aware of this was after delinquency had already been reported. This resulted in late marks, even though Ive consistently maintained a strong repayment history. 

These late payments stemmed entirely from a breakdown in communication during the transfernot from intentional nonpayment on my part. XXXX requesting that the servicer make a goodwill adjustment and remove the XXXX delinquencies, since they were caused by a lack of proper and legally required notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: LA

Complaint narrative:
I am reporting an unauthorized and fraudulent account XXXX XXXX # XXXX & XXXX Bank # XXXX that was added to my credit report without my knowledge or permission. I did not open this account, apply for credit with this company, authorize anyone to do so on my behalf, or receive any benefit from it. This account is the result of identity theft. 

I discovered the account while reviewing my credit report and immediately contacted the credit bureaus to request removal under 15 U.S.C. 1681c-2 ( FCRA 605B ). I provided verification of my identity and stated in writing that this account is fraudulent and does not belong to me.

The furnisher and/or credit bureau has failed to properly investigate or remove this fraudulent information, which is continuing to harm my credit and cause financial damage. I am requesting the CFPBs assistance to have this unauthorized account blocked and permanently deleted as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I listed my used XXXX XXXX XXXX XXXXXXXX on the XXXX  website. Provided images and videos of the phone as required by the website. The phone was documented, reviewed and listed as pristine condition by swappa. The phone was listed and purchased by a user on XXXX. The user had more than enough time to review the images and videos provided of the phone and purchased the used phone. When they received it they started a dispute with swappa stating the phone screen was damaged. It was not damaged as proofed by the images and videos. XXXX refused to inform the customer that the purchase was final and that they did not have an option to return the phone, they instead pushed the issue to paypal. The user started a dispute claiming the phone was damaged and paypal ruled in their favor that the phone was to be returned. 

I am claiming that this is a fraud scenario. The customer purchased the phone and will more than likely return it to me with an empty box or a damaged or scratched phone instead of having to complete the purchase. 

Paypal and XXXX  are complicit in perpetuating this type of fraud and forcing sellers to have to be in a postion where their property, in this case a {$1000.00} phone, is being shipped unnesicarily and being used as a fraud vehicle for user to purchase, get refunded by paypal, and then send back an empty box. 

When did paypal become the deciding body in a purchase between private sellers? Why does paypal have this final decision power with the power to reach into my paypal account and pull out {$1000.00} without my permission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> I was woken up to a phone call from First Commonwealth Bank XXXX PA and told my NEW account was being closed because I had XXXX fraud disputes in the last 6 months and because I had XXXX charged off accounts ( XXXX of which I paid off and the XXXX was a joint account and I was told that wasn't going to be an issue and it hadn't been for 2 years with my old account ) now on pay day they close my account suddenly and I have no way of changing my direct deposit in time when I'm already financially struggling. So now I risk losing my home for lack of payment I can't make because I don't have my paycheck now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus 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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Received a letter from Citi that an application for a Citi card was made and verification was needed. I did not apply for a card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

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 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
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I reviewed my credit report and saw a collection from Columbia Debt Recovery XXXX that I do not recognize. I was never contacted by this company and I was not given any information about this account before it showed up on my credit. I do not understand how they calculated the balance or why this amount is being reported. I have not been shown any documents, statements, or breakdowns that explain this debt, and nothing has been provided to confirm that this information is accurate. 

This account has damaged my credit and has affected me when trying to apply for housing. I want to understand where this came from because I was never given anything that explains it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I checked my TransUnion report and saw a collection from XXXX XXXX XXXX that I never personally approved. I never gave this company permission to handle my information or to act on my behalf in any way. My personal information was shared and reported without any proof that I agreed to it. I looked through my records and I do not have any contract that links me to this company. 

Under the Fair Credit Reporting Act, companies are required to follow proper reporting procedures and maintain verified documentation before they place a collection on a consumer report. XXXX XXXX XXXX and XXXX XXXX rules, they must also make sure the information they furnish is supported by real evidence, not assumptions or internal notes. Without my signed authorization or proof that my original creditor transferred consent correctly, this reporting is not valid. 

This account has caused damage to my credit and is not being reported with the level of accuracy the law requires.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AL

Complaint narrative:
I dispute the following accounts and late payments listed on my Equifax credit report as they appear to be inaccurate or outdated. 

Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I state that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently made timely payments, and these reporting errors are both unfair and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
On XX/XX/XXXX I tried to book a flight to XXXX using XXXX. XXXX offered a flight on XXXX for {$1000.00}. I tried to book this using my citi credit card. After submitting all the information the following message appeared in red letters on the screen : The transaction could not completed at this time, Please try again later. I tried 3 times, only to receive the same message. I gave up and using on kayak.com the service of XXXX I could purchase the same flight at a slightly higher rate ; I immediately received an email confirmation of the purchase and an e-ticket. Few days later learned that XXXX had charged my credit card 3 times for XXXX for the non completed transaction. I NEVER RECEIVED A CONFIRMATION EMAIL OR AN E-TICKET.I disputed the transaction with Citi Bank . The first 2 transactions were reversed, but the the 3rd one I had to pay, as XXXX stated I received a non refundable ticket and had to use it. I NEVER RECEIVED A TICKET VIA XXXX. I went back to Citi and pointed out I was never issued a ticket and therefore could not be made to pay for something I never received. I provided all that information to XXXX and XXXX as well. Today I learned that Citi closed the case and I am responsible for the purchase of something I never received

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year>, I sold a digital product to a buyer via PayPal for {$270.00} and {$150.00}. I promptly fulfilled the order by XXXX XXXX ( XXXX  ) via XXXX  XXXX, and the buyer acknowledged receipt without any initial complaints. 
Approximately 14 days later, the buyer initiated an unauthorized chargeback through their credit card issuer, claiming Unauthorized Payment. Despite providing PayPal with clear evidence of fulfillmentincluding delivery confirmations, emails, and transaction recordsPayPal reversed the payment in favor of the buyer without adequate investigation or recourse for me as the seller.

This resulted in a {$410.00} financial loss, as I had already incurred costs to produce and deliver the order. PayPal 's handling of the dispute appears to favor buyers disproportionately, undermining trust in their platform and violating fair dispute resolution practices. I request CFPB intervention to review PayPal 's policies and ensure equitable protection for small sellers like myself.

In regard to this transactions id : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AL

Complaint narrative:
I am writing to dispute several accounts that have been inaccurately reported on my TransUnion credit report. Below is the detailed information regarding the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-14 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: NC

Complaint narrative:
Equifax , INC. Data Breach XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I write as a documented North Carolina Pro XXXX victim XXXX XXXX theft arising from both the Equifax and XXXX  XXXX breaches and my XXXX was used as a personal gain. The accounts were reported as a result of identity theft, and the placement of this materially false information violates my rights. Your agency continues to furnish and report fraud. Due to the inaccuracy of false information on my reports, I will be seeking legal advice, if this issue is not handled legally I have never given permission for this information and it is fraudulent. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
from XXXX to XXXX created XXXX intergrations have developer account creator content accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX they take money from checking credit cards debit cards bonds bank of american identity theft fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
Company XXXX XXXX  ( PayPal, Inc. ) Issue : Delay in accessing funds/ Extended hold after cryptocurrency sale Complaint : I am submitting this complaint because XXXX  has placed an extended hold on funds that belong to me. After selling cryptocurrency within the XXXX XXXX the proceeds were immediately placed under a multi-day review hold without a clear explanation. 

My account is fully verified, in good standing, and I have not engaged in any activity that violates XXXX policies. Despite this, I am unable to access my own funds for six days. This delay is creating financial hardship, as I rely on these funds for essential expenses. 

XXXX communication regarding the hold has been vague and unhelpful. I have requested clarification and an escalation, but I have not been provided with a specific reason for the hold or a way to resolve it sooner. XXXX advertises the ability to buy, sell, and transfer crypto, yet the actual access to funds after a sale is inconsistent and not clearly disclosed. 


It happened on XX/XX/year> and was foXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CO

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX Balance {>= $1,000,000}, XXXX XXXX XXXX XXXX {$61000.00}, XXXX XXXX XXXX XXXX {$8100.00}, XXXX XXXXe Bank UXXXX XXXX {$3700.00}

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 non-monetary relief
Consumer complaint received 2025-11-14 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: VA

Complaint narrative:
On XX/XX/year>, a hard inquiry from XXXX XXXX XXXX XXXX appeared on my TransUnion report. 
I did not authorize this inquiry and did not apply for any credit. 
I am requesting its removal because it negatively affects my score and was done without my 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