vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Company : PayPal Product/Service : Money transfer, virtual currency, or money service Issue : Problem with a money transfer Sub-issue : Money was not available when promised What happened : On XX/XX/year>, I sent {$500.00} to my cousin in XXXX for a medical emergency through PayPal. ID XXXX. My cousin specifically opened a new PayPal account to receive this urgent transfer. Instead of delivering the money, PayPal permanently closed her account and kept my funds. 
PayPal has essentially stolen this money. They took payment for a service ( international money transfer ), failed to deliver that service, and refuse to provide a refund. It has now been almost XXXX  years, and they have been earning interest on money that rightfully belongs to my family during a medical crisis. 
Timeline : XXXX  : Sent {$500.00} to cousin in XXXX for medical emergency Shortly after : PayPal permanently closed my cousin 's account without explanation Money was never delivered to recipient Money was never refunded to me Multiple attempts to contact PayPal have been unsuccessful The Core Issue : This is not a policy dispute - this is theft. PayPal accepted my payment, failed to provide the promised service, and has kept my money for nearly XXXX  years while my family dealt with a medical emergency. 
PayPal 's Discriminatory Practices : PayPal appears to systematically target accounts in developing countries like XXXX, making it nearly impossible for people there to contact customer service or appeal decisions. There is literally NO WAY to send PayPal an email- they have deliberately removed all direct contact methods to avoid accountability. They profit by keeping money from international transfers while providing XXXX customer service, XXXX appeal process, and XXXX recourse for victims. 
The Impossible Situation They've Created : No email contact available Phone support provides scripted responses with no resolution Online " help '' forms lead nowhere My cousin in XXXX has absolutely no way to appeal or even inquire about her closed account I have no way to recover my stolen {$500.00} This is a deliberate system designed to steal money from international transfers while making it impossible for victims to seek help. PayPal has created a perfect crime- take the money, close the account, provide no contact method for resolution. 
What would be a fair resolution to your complaint : Full refund of {$500.00} plus interest earned over the XXXX period they have held my money. PayPal has had free use of my funds for XXXX months while my family suffered during a medical emergency. This company can not be allowed to steal money from customers under the guise of " account limitations '' while providing XXXX customer service or appeal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the fraudulent accounts currently appearing on my credit report. These accounts were not opened or authorized by me, and their reporting is false and damaging. Their presence undermines the accuracy of my financial history and creates an unjust negative impact on my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Around XX/XX/XXXX I received a notification of XXXX back-to-back {$600.00} charges from XXXX on my Goldman Sachs, Apple XXXX XXXX. I have never used or authorized use of, my Goldman Sachs Apple XXXX XXXX. I contacted the Goldman Sachs, Apple XXXX support and open dispute. I let them know that this was a fraudulent unauthorized charge. I also contacted XXXX who confirmed they could not find any transaction history using my credit card number. Working with the Goldman Sachs, Apple XXXX support we changed the card number and open the dispute. I provided all information that was requested of me. 

On XX/XX/XXXX I received an email notice that the dispute had been closed in favor of the merchant. I contacted them through message and through phone asking them for information and a copy of their findings. They were not able to provide this and could not see that any information had been provided by the merchant they reopened the dispute. 


Sometime in XXXX the dispute was canceled again and I contacted the bank through their text message help chat. The person there confirmed that they had not received any information from the merchant and reopened the dispute again. I contacted XXXX again and worked with their customer service to try and find any sort of transaction using my previous credit card numbers. I spoke with XXXX, a customer service employee at XXXX, who said she searched for all transactions totaling {$600.00} using the credit card number ( and the previous XXXX credit card numbers, since we had changed the number twice ) I had provided and confirmed she could not find anything. She told me to inform Goldman Sachs that if someone contacted XXXX, they could provide this information, but that she had not seen any sort of transaction. 


As of today, XX/XX/XXXX, I received an email saying that once again the dispute was closed in favor of the merchant. I still have not received anything, despite asking for proof and information for these XXXX fraudulent unauthorized charges. 

The total amount of {$1200.00} is a lot, and the charge is completely fraudulent and unauthorized. I have spent hours of my life, each time, providing information, with tremendous amounts of stress. Only to be told that they can not provide me any information or that it was closed due to lack of information ( despite my providing everything they ever asked for ), and still can not provide me any information that they supposedly received from the merchant ( XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-08 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: WI

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-09-08 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: MI

Complaint narrative:
Fraudulent accounts and inquiries linked to identity theft have been placed on my consumer report without my written authorization or wet signature. These unauthorized accounts have caused significant emotional and financial distress by inaccurately representing my credit history and preventing me from achieving important financial goals, including purchasing a home and meeting my family 's needs. I am formally requesting the immediate blocking and removal of these disputed items from my credit report, as their continued presence violates my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. I filed a fraud claim with Bank of America the XXXX under case number XXXX. I am the victim of unauthorized transactions that I did not make. 

I submitted all requested documents by fax to support my claim. Despite this, the bank denied me a provisional credit without giving me a clear explanation. Today marks the 10 business days since I filed my claim, and I have not received proper resolution. 

Additionally, I am currently being extorted by a person who claims to be related to this fraud, which puts my personal safety at risk. I informed the bank, but they still refused to provide the provisional credit or expedite my case. 

I am requesting the CFPB to ensure that : 1. Bank of America provides a clear written explanation of why my provisional credit was denied.

2. My case is reviewed with urgency due to the extortion and security risks I am facing.

3. The bank resolves my fraud claim in compliance with federal regulations and timelines. 

I respectfully ask for CFPBs intervention, as I feel my rights as a consumer have not been respected and my case has not been properly handled by Bank of America.

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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am disputing two charges related to a timeshare purchase from XXXX XXXX XXXX XXXX XXXX XXXX that I believe involved misrepresentation and fraud : {$4600.00} charged on XX/XX/year>, to U.S. Bank credit card ending in XXXX {$4500.00} charged on XX/XX/year>, to U.S. Bank credit card ending in XXXX Shortly after these charges, I began to raise concerns with the merchant. I attempted to resolve the matter directly with XXXX XXXX, filed a police report, submitted a complaint with the FTC, and initiated disputes with U.S. Bank. However, U.S. Bank denied my dispute, citing the 60-day deadlinedespite my timely concerns and good faith efforts to gather supporting documentation. 

This was not a simple billing error ; it involved deceptive sales practices and failure to deliver services. I was told at the time of purchase that I could use the timeshare immediately, and even attempted to book a stay for XXXX. I was later informed that I could not use the property until completing a mandatory orientation, which was not available until XXXX XXXX critical condition that was never disclosed before purchase. 

XXXX XXXX acknowledged that they have sales call recordings, but they refused to share them with me or provide any resolution, despite my repeated requests for clarification and a refund. 

Additionally, the timeshare was unilaterally converted into XXXX XXXX points ( XXXX points ), which I have not used. I continue to be billed XXXX  fees for a service I have never accessed. 

Given these facts, I believe the charges should be treated as fraud and not dismissed under standard billing dispute timeframes. 

I respectfully request a full review of my case and attached documentation.

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 2025-09-08 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX 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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank
State: NE

Complaint narrative:
I requested that this company close my account today XXXXand that I be mailed my refund to address on file. From today I shouldnt be charged any interest or additional charges as my balance is only XXXX I paid them XXXX as a security deposit. With that the balance is covered from the day of closure. The representive XXXX said that it would take 30 days to issue me a refund. They have already held my funds without making them available since XX/XX/year>. I

request my funds be returned to me ASAP. Im also lodging a formal complaint that this company does not call or reach out to there customers when dealing with accounts updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted 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 non-monetary relief
Consumer complaint received 2025-09-08 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'm a victim of XXXX XXXX account not verified to my knowledge would account deleted from my credit file. My FCT report number is 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 2025-09-08 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: TX

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX AGENT ORDERED A XXXX XXXX  ONLINE FOR ME, WHEN DELIVERED TO THEIR LOCATION, I FOUND THAT THEY SENT A WRONG ONE, SO I REFUNDED AT THE XXXX XXXX STORE ON XX/XX/XXXX. 
I WAIT ONE WEEK AND HOME DEPOT CREDIT CARD DID NOT CREDITED TO MY ACCOUNT, I SPOKE THREE TIMES AT STORE TO THEM AND NO SOLUTION, I OPENED A CASE WITH XXXX XXXX. TODAY I SPOKE TO HOME DEPOT CREDIT CARD DEPARTMENT AND SAID I HAVE TO UP TO 90 DAYS MORE. 
ORDER # XXXX RECEIPT # XXXX XXXX REFUND DATE XX/XX/XXXX AT XXXX XXXX  AT XXXX XXXX TEXAS STORE 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 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MORGAN STANLEY & CO. LLC
State: KY

Complaint narrative:
I opened my account XX/XX/year>, everything was ok until I had a friend XXXX me {$100.00} the next day XXXX XXXX. Since then I have not been able to use my account, when I called they told me to upload some documents which was my identification card and social which I have. They claim their process to review those documents are takes 1-2 business days here it is XX/XX/year> I still have yet to have access to my account. Ive been getting sent to this person and that person and no one is helping me. Ive asked to close my account and send me a check but they are refusing to do anything to help me and Im getting frustrated and its causing me XXXX  and XXXX  and I need help cause them keeping me away from my funds is illegal and plain disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
When a merchant applies a refund to a credit card that has been closed, the funds can not be easily transferred. Users must create a new account, entering bank information, at the prompt of an email notification. This email could be viewed as phishing attempt and disregarded. Entering information creates an undue burden on the consumer, enabling JP Morgan Chase to keep forfeited funds. Receiving these funds in the mobile app should be as simple as applying rewards funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: AL

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 2025-09-08 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:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation