vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am filing a complaint regarding how both PayPal and XXXX handled my disputes concerning transactions related to a deceptive mobile app called XXXX XXXX. 

Between approximately XX/XX/year>, and XX/XX/year>, I made multiple payments through both PayPal and XXXX, totaling over {$20000.00}, to this app. XXXX XXXX represented itself as a sweepstakes game where players could win cash prizes and promised that withdrawals would be processed instantly for XXXX XXXX. I achieved XXXX status per their advertised criteria, but when I attempted to withdraw winnings, the app blocked or delayed the withdrawals without valid explanation. 

The app used coercive tactics, including threatening to downgrade my XXXX XXXX unless I continued making additional purchases. It also deleted internal chat histories to obscure transaction records after my withdrawal attempts. Furthermore, the business operated under a variety of merchant names when processing transactions, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Games XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I filed disputes with PayPal and XXXX, both institutions denied my claims, with PayPal asserting these transactions fell outside its Buyer Protection Policy and XXXX failing to acknowledge the deceptive conduct involved. Neither provider conducted a reasonable investigation given the clear evidence of fraud and misleading business practices. 

I believe PayPal and XXXX failed in their obligation to protect consumers from fraudulent merchants and deceptive practices. They facilitated transactions for a clearly deceptive business and then summarily rejected disputes, despite overwhelming indications that the merchant misrepresented its services and induced continued purchases under false pretenses. 

I request that the CFPB investigate PayPals and XXXX handling of these disputes, require a fair reconsideration of my claims, and evaluate whether both financial institutions are complying with applicable consumer protection laws when reviewing disputes tied to fraudulent merchants and deceptive apps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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:
My personal information was exposed to XXXX XXXX Breach and my identity was stolen and I do not recognize this account listed below 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 2025-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To Whom It May Concern, Re : Formal Dispute of Inaccurate Judgment Reporting FCRA Violation This letter is to demand the immediate investigation and removal of an illegal and inaccurate entry being reported by Credit Acceptance regarding an alleged judgment on my credit report. This judgment is falsely being reported in its XXXX year, in direct violation of the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ) ( 2 ).

Under the FCRA, civil judgments may only be reported for a maximum of seven ( 7 ) years from the date of entry or the date of first delinquency that led to the judgment. If this judgment is being reported in or after the XXXX year, it is a clear and willful violation of federal law. 
Further, if this entry is being re-aged or reinserted without proper notice to me under FCRA Section 611 ( a ) ( 5 ) ( B ), then that also constitutes a blatant and illegal act. Reinsertion of obsolete or unverifiable information without full compliance with FCRA is grounds for legal action and statutory damages. 
You are hereby put on notice that if this judgment is not removed immediately, I will take the following steps without further warning : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney general.

Initiate a civil suit for statutory damages, punitive damages, and attorneys fees under FCRA Section 616 and 617, which provide relief for willful noncompliance and negligence.

I demand written confirmation that this account and judgment have been permanently removed from all of my credit reports ( XXXX XXXX XXXX ) and that your company has ceased all further reporting of this derogatory item. 
This is your final opportunity to comply before I pursue every legal remedy available to me. 

Sincerely, 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 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XXXX XXXX I ordered a blanket. Right after the transaction I noticed the price was different. They charged me an extra {$10.00} for sales tax. I live in XXXX, we do not have sales tax.I immediately tried to first cancel my order. The company refused, said once the order is placed they can not cancel. We went back and forth, and they agreed to refund my tax and {$16.00} for my troubles. 
They never refunded my money, and stopped answering me. So I filed a complaint with PayPal and twice were denied. I explained I dont pay sales tax, but was told material similar to sellers description. It is sales tax, but I cant get anyone to understand this. So I have been rejected twice. I need help getting my money back for sales tax, and what I was told I would receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
On XXXX XXXX XXXX XXXX I received an email from Harris and Harris to collect medical bills that I owed to XXXX XXXX. I have no problem making monthly payments but they are charging me additional fees for payment online or over the phone and there is no other way to make payments. According to the Fair Debt Collection Practices Act ( FDCPA ) In most cases, debt collection agencies can not charge additional fees beyond the original debt amount unless those fees are explicitly authorized by the agreement creating the debt or by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: TN

Complaint narrative:
Medical bill has not been released off of my credit report It was sent to another company then out into collections

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 2025-07-13 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: NC

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
To whom it may concern : I would like to file a formal complaint against Synchrony bank regarding the sudden and unjust closure of my XXXX credit card account. I had a credit limit of {$1100.00} and maintained a very good payment history. I consistently paid in advance and often, if not always, submitted payments well above the minimum due. I have never exceeded my limit and I have never missed a required payment. I was late XXXX time in XXXX of XXXX, which they charged a XXXX $ fee for ; this fee was paid as well. There have been many occasions on which I have paid more than once a month, as well as many occasions where I have paid between XXXX MORE than the minimum payment of XXXX XXXX 

On XXXX, XX/XX/XXXX while attempting to make a purchase at the XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, my card was unexpectedly declined. I checked my Synchrony app and discovered that my account had been closed without any prior notice. I immediately contacted Synchrony customer service, where I was informed that my account was closed due to dishonest payments. This was referring to XXXX early payments I had made that did not process due to insufficient funds. At the time of this call, my most recent payment was roughly XXXX weeks prior, and the next payment was not due for another XXXX weeks, so I was beyond early when it comes to payments being timely. 

These payments were not due at the time. I later made full payments on, if not before the due dates and Synchrony received all of the money owed. Despite this, the representative told me there was no way to reopen the account and that I must continue paying off the balance on a now-closed account. I was not offered any options for appeal, no warning, and no explanation until after the fact. 

The items that I was intending to purchase were food items and personal care items, not luxuries. I was unable to purchase the items that I needed because of this inconvenience. 

This decision feels arbitrary and unfair. I feel penalized for being proactive about my payments. Closing my account will negatively affect my credit score by reducing both my available credit and account age, through no real fault of my own.

I am asking the CFPB to investigate this matter and hold Synchrony accountable for this unfair treatment and sudden account closure.

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 2025-07-13 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:
On multiple occasions, I have submitted disputes and formal identity theft documentation under FCRA 605B ( 15 U.S.C. 1681c-2 ) demanding the permanent blocking and removal of fraudulent items from my credit report. Despite my full compliance with federal requirements, you continue to report these fraudulent accounts and addresses, and you have issued generic, non-specific letters refusing to block the information. 
The following items are fraudulent and must be permanently blocked and deleted from my credit file : - * * XXXX  * * Opened : XX/XX/year> Fraudulent Amount : {$350.00} Account # : XXXX In addition, the following fraudulent address must be deleted from my file : - * * XXXX XXXX XXXX, XXXX, TX XXXX * * As previously submitted, my identity theft documentation includes : - FTC Identity Theft Report - Government-issued Drivers License - Social Security Card - Utility bill as proof of current address ( Drivers License ) Under FCRA 605B ( a ), you are required to block fraudulent information within * * four business days * * of receiving a proper request. Further, under FCRA 605B ( c ), you are legally obligated to provide a * * specific written explanation * * if you decline to block the information. Your prior generic letters do not satisfy this legal requirement and place you in violation of federal law. 
This letter serves as my * * XXXX XXXX * * that you : 1. Immediately block and permanently delete the above fraudulent account and address from my credit file. 
2. Provide written confirmation of the removal within * * ten ( 10 ) days * * of the date of this letter. 
Failure to comply will result in : - Additional complaints filed with the Consumer Financial Protection Bureau and my State Attorney General. 
- Potential legal action under FCRA 1681n and 1681o for willful and negligent noncompliance, including statutory damages, actual damages, and attorneys fees. 
GOVERN YOURSELVES ACCORDINGLY. 
I look forward to your prompt compliance and written confirmation.

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 2025-07-13 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
SYNCB/AMAZON XXXX have furnished this account as a charge off / collection you are in violation of the Fair Credit Reporting Act 15 USC 1681.The IRS defines a Charge Off as cancelled debt. When a debt is cancelled a FORM 1099C must be issued. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Delete the following account from my consumer reports : SYNCB/AMAZON 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 2025-07-13 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: TX

Complaint narrative:
I have recently reviewed a copy of my current credit report and there are fraudulent inquires on my credit report that I did not authorize. Here are the companies Names and dates of the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Google Compare Credit Cards Inc.
State: MI

Complaint narrative:
I am filing this complaint against Google regarding their failure to protect consumers from deceptive gambling-style apps, specifically " XXXX XXXX '' and a cluster of nearly identical apps disguised under different developer names but clearly operated by the same individuals. 

I personally contacted Google Play Support via live chat on XX/XX/year> ( Case ID : XXXX ) to report that XXXX XXXX  was a deceptive gambling app using predatory tactics : false advertising of " free play '' and instant withdrawals, coercive XXXX XXXX hidden conditions designed to psychologically exploit users, and deletion of transaction records after withdrawal attempts. I also informed the representative that I had identified multiple other apps on Google Play with identical gameplay, structure, and deceptive practices, simply relabeled as XXXX XXXX apps with different developer names to avoid detection. 

During this chat, I provided screenshots and described how this network of apps operated using at least XXXX different transaction names to hide their activity. I explicitly warned that these developers were actively evading oversight, taking advantage of Googles platform to exploit consumers, and extracting tens of thousands of dollars per day from users globally. 

Despite this detailed report and documentation, Google Play failed to take timely action and deflected my concerns by instructing me to file reports through a generic online form, which I had already done. To date, these apps remain live on Google Play, continuing to operate deceptively and harm consumers. 

I request that Google be held accountable for : 1. Failing to act promptly and appropriately after a clear, well-documented consumer report.

2. Allowing an organized network of deceptive gambling apps to continue exploiting consumers.

3. Failing to provide refunds or consumer protection to affected users like me, who lost substantial amounts due to these apps.

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 2025-07-13 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: MN

Complaint narrative:
THERE IS INFORMATION REPORTING ON MY CREDIT REPORT THAT IS NOT RELATABLE TO MY TRUE IDENTITY. PLEASE REMOVE ALL EMPLOYERS, ADDRESSES, NAMES, AND PHONE NUMBERS THAT IS NOT ASSOCIATED WITH ME OR IN CORRESPONDANCE OF MY GOVERMENTAL IDENTIFICATION CARD. REPORTING FALSE, INACCURATE, AND UNVERIFIED INFORMATION IS A DIRECT VIOLATION 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 2025-07-13 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: MN

Complaint narrative:
THERE IS INFORMATION REPORTING ON MY CREDIT REPORT THAT IS NOT RELATABLE TO MY TRUE IDENTITY. PLEASE REMOVE ALL EMPLOYERS, ADDRESSES, NAMES, AND PHONE NUMBERS THAT IS NOT ASSOCIATED WITH ME OR IN CORRESPONDANCE OF MY GOVERMENTAL IDENTIFICATION CARD. REPORTING FALSE, INACCURATE, AND UNVERIFIED INFORMATION IS A DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
( Date : XX/XX/XXXX ) I am filing a formal complaint against Experian for ongoing, willful violations of federal consumer protection law. Despite submitting three rounds of certified mail disputes ( with tracking ), a notarized FTC Identity Theft Affidavit, a police report, and verified identity documentation, the credit bureaus continue to report unauthorized, inaccurate, unverifiable, and misleading information. 

This includes : - Reporting charge-off lates after account closure ( e.g., XXXX ) - Reporting hard inquiries for accounts no longer active ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) - Inaccurate or conflicting personal data : mismatched names, birthdates, XXXX FL address ( never lived there ), outdated employer listings - Multiple duplicate or unrecognized accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conflicting balances, statuses, and payment data across bureaus The following federal statutes are being violated : - FCRA 602, 605 ( a ), 605B, 609, 611 ( a ), 616, 617, 623 - FDCPA 807, 809 ( b ), 813 ( 15 USC 1692e, 1692g ) - TILA 1026.7, 1026.12 - GLBA 501502 ( failure to protect PII ) - XXXX  605B ( ID theft blocking ) - Metro 2 ( CDIA guidelines for data formatting ) I reference case law where courts have sided with consumers in identical matters : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) The XXXX XXXX data breach compromised the personal information of over XXXX XXXX Americans. Continued mishandling of disputes and unauthorized reporting demonstrates gross negligence, data security failure, and regulatory noncompliance. 

* * Demand : * * - Immediate deletion of all inaccurate, unverifiable, and unauthorized items- Written confirmation of deletion within 5 business days This is my final pre-litigation complaint. If no resolution is provided, I will pursue legal action under FCRA 617, FDCPA 813, and GLBA 502, and seek statutory, actual, and punitive damages.

Enclosures available : dispute letters, police report, FTC affidavit, USPS tracking, highlighted credit report, identity verification documents.

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