vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
Issue : Paypal denied a XXXX XXXX claim without reviewing the evidence and is now attempting to debit my account for {$100.00} from a provisional refund. 

On XX/XX/year>, I purchased from XXXX via Paypal Pay in XXXX ( {$100.00}, Transaction ID XXXX ). The couriers delivery photos show the package at a different address ( XXXX XXXX  ), while my home has a red door. I submitted these photos proving misdelivery, but PayPals automated system denied the claim solely based on tracking data, with no human review. 

Paypal issued a provisional refund on XX/XX/year>, then reversed it. Theyve scheduled an internal debit for XX/XX/year>, which could seize other refunds sitting in my Paypal balance. I contacted the XXXX Office ( XXXX ) with no response and received only automated denial messages from the case itself. 

Evidence : * Screenshot of courier photos showing wrong address. 
* Screenshot of PayPal refund debit notice.

* Screenshot of PayPal denial message repeating tracking confirms delivery. 
* Screenshot of my prior escalation email to the XXXX XXXX. 

* * Pattern of Misconduct : * * A previous case ( * * XXXX, {$320.00} XXXX XXXX XXXX * * ) was also denied despite being significantly not as described with no return label provided. I had to involve my bank. This reflects a repeated failure to honor PayPals XXXX XXXX policy and reliance on automation over evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-11-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Case is not closed. the complaints are not just duplicate, but the nelnet refusal to to privde the information requested and tell me they cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Every Month from XX/XX/year> Capital One has initiated Auto Payments without my consent in their app. What this does is auto magically tries to money out of the check ing account associated with the credit card. Upon auto pay which was not set up by me the app automatically does this without your knowledge or consent. I asked for i formation on why the capital one app does this no information was giving just account closure for returned payment I never initiated!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts currently appearing on my credit report. I have raised these inaccuracies multiple times and consistently requested thorough investigations. However, despite my continued efforts, I have not received a resolution or seen any meaningful progress. These erroneous accounts are having a serious impact on my credit standing and are creating significant barriers in my everyday life. The consequences of these reporting errors have caused ongoing hardship, and I am left with no alternative but to urgently seek your assistance in resolving this matter. I respectfully request a comprehensive investigation into each disputed account and that immediate corrective action be taken to update my credit report accordingly. Restoring the accuracy of my credit file is essential to regaining control over my financial future. I urge you to treat this matter with the highest priority and take swift, decisive action. Thank you for your prompt attention and support.

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 2025-11-21 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: WI

Complaint narrative:
I request the deletion of this unauthorized account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-11-21 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: MD

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within XXXX days. Enclosed are supporting documents for your review.

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 2025-11-21 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:
To Whom It May Concern I am filing this complaint because my credit report contains inaccurate information and multiple unauthorized inquiries that violate my rights under the FCRA. These items are not mine, were never authorized by me, and continue to damage my credit profile. I am requesting CFPB intervention to enforce proper reinvestigation and correction. 

XXXX XXXX XX/XX/year> I did not authorize or apply for any credit on this date. Reporting an inquiry obtained without my written consent violates FCRA 604 ( a ) ( 2 ), 604 ( f ), and 607 ( a ). I request immediate removal. 

XXXX XX/XX/year> I never applied for any credit with this company, and no permissible purpose exists under FCRA 604. This inquiry must be removed for improper access. 

XXXX XXXX XX/XX/year> This inquiry is unauthorized. No application or consent was provided. Continued reporting violates FCRA 604, 607 ( a ), and XXXX. Remove immediately. 

XXXX XXXX XX/XX/year> I did not authorize this inquiry and never sought credit from this entity. It violates FCRA 604 ( a ) ( 2 ). Remove immediately. 

In conclusion I request the CFPB to require permanent deletion of the unauthorized inquiries and removal of the inaccurate account. These items are not mine and violate federal law. I ask the CFPB to ensure full compliance with all FCRA and FDCPA requirements.

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 2025-11-21 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: Radius Global Solutions LLC
State: NV

Complaint narrative:
I am filing a complaint against Radius Global Solutions regarding a collection account for {$640.00} ( account ending * XXXX ) that appears on my credit report. 

I disputed this account because it was previously deleted from my credit report and later reinserted under a different collection agency ( Radius ) without any notice to me. 
The dispute was submitted to the credit bureaus on XXXX, and according to the bureaus letter, the reinvestigation was completed on XXXX a total of 17 days. Given that the account was removed and then reinserted under a different collection company, with status changes and reassignment, this timeframe is unreasonably short to constitute a proper, thorough investigation under FCRA 611 ( a ) ( 1 ) & ( 2 ). 
The account is reported on XXXX major credit bureaus ( XXXX XXXX XXXX ) but does not appear on XXXX which suggests inconsistent reporting and raises serious concerns about the accuracy and legitimacy of the account being reported. 

Violations & Issues Radius Global Solutions has never provided me with : A copy of the original signed contract or agreement bearing my signature. 
Proof of assignment from the original creditor to Radius. 
An itemized statement showing how the balance of {$640.00} was calculated. 
Documentation of the verification it provided to the credit bureaus during the reinvestigation. 
By continuing to furnish this collection account without providing the required documentation or validation, Radius is violating : FCRA 623 ( a ) ( 1 ) furnishing information it knows or has reason to know is inaccurate.

FCRA 623 ( a ) ( 3 ) failing to provide the necessary information for the credit bureau to verify accuracy.

FCRA 623 ( a ) ( 8 ) failure to properly investigate or respond to my direct dispute.

The fact that this account disappeared and then reappeared under a different agency without notice also implicates reinsertion issues under FCRA 611 ( a ) ( 5 ) ( B ).

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 2025-11-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: CA

Complaint narrative:
XXXX Company : AmeriNational Community Services ( AmeriNat ) Product : Mortgage Issue : Incorrect information on credit report / failure to close account / escrow misuse Complaint Text : XXXX I had a mortgage serviced by AmeriNat for a home purchased through XXXX XXXX XXXX. That property was officially sold and transferred to XXXX on XX/XX/XXXX. Despite that, AmeriNat has not closed out the account in their system. They continue to report it to the credit bureaus as open and 60 days delinquent, which is damaging my credit. 

I have no financial obligation on this property and have not lived there since late XX/XX/XXXX due to a major flood. I have contacted AmeriNat multiple times with no resolution.

In addition, AmeriNat has misused escrow funds. They used money from my escrow account after the sale to pay the current property taxes. I do not own the home anymore and did not authorize that payment. The escrow balance should have been returned to me. 

I am requesting that AmeriNat : XXXX. Immediately close the account and report it as " paid and closed '' to all three credit bureaus. 


XXXX. Remove the delinquent marks from my credit reports. 


XXXX. Refund the escrow balance they held at the time of the property transfer. 





I have supporting documents from XXXX XXXX XXXX and am happy to provide them if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: AR

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2025-11-21 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: AR

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Perpay, Inc.
State: VA

Complaint narrative:
XXXX request to close account and credit card with merchant, no reply from merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Subject : Debt Collection Harassment / Fake Process Server Scam I am receiving threatening calls from XXXX. The caller refuses to identify their company or the original creditor. They threaten to locate me at my job or home if I do not call them back about a claim being resubmitted. 

When I called to request validation, they said the company name is Summit, but they refused to provide : A full business name A physical address A website Written validation Creditor name Case number Any legal paperwork They also falsely claimed to be process servers, which is illegal. The caller stated they dont have a website because they dont feel the need to advertise, which is suspicious and unprofessional. 

This behavior violates the Texas Debt Collection Act ( Tex. Fin. Code 392 ) and the FDCPA. I believe this is an illegal collection operation or scam attempting to intimidate me into paying a debt I am not legally obligated to pay. 

I request an investigation into the phone number, company, and individuals involved. 

I have saved the voicemail as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/year>, and I have not yet received a response. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have transferred money from my XXXX  account to my bank account on file. Its stuck in pending status, they said for a review. My money is still not available in my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am filing a complaint regarding inaccurate and conflicting credit reporting by Affirm Inc related to an account appearing on my XXXX credit report ( Account ID : XXXX ). 
Affirm is reporting the account with multiple factual errors that violate the Fair Credit Reporting Act ( FCRA ), including : Account reported as Open while also marked as {$190.00} written off. 
An account can not be OPEN and charged off at the same time.

Charge-off accounts must be reported as CLOSED.

This is inaccurate and misleading.

Balance reported inaccurately. 
Current balance is listed as {$190.00}, while status states the entire amount was written off. 
Written-off accounts must report a {$0.00} balance unless sold or transferred, which is not indicated. 
Conflicting dates. 
Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Status Updated : XX/XX/XXXX These dates do not align logically with a charge-off timeline and indicate inaccurate reporting. 
Original balance and current balance mismatch. 
Original balance is listed as {$170.00}, but the balance is reported as {$190.00}, which is inconsistent with typical Affirm XXXX loan terms ( no interest or fees ). 
Incorrect reporting fields. 
Paid Off : 0 % is shown, which should not appear on a charged-off account.

Terms listed as 12 months, which is not accurate for this type of Affirm loan.

These inaccuracies violate FCRA 602, 607 ( b ), and 611. I previously disputed the account with XXXX but the account was not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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