vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I am submitting this complaint regarding XXXX ( owned by PayPal , Inc. ) for their failure to protect me against a large-scale scam and their unjust handling of chargebacks totaling over {$60000.00}. Despite acting in good faith and providing goods, XXXX reversed payments after the sender disputed them leaving me and my friends with negative balances and the threat of debt collection and credit damage. 

In XX/XX/year>, I was contacted by an individual ( now identified as a scammer ) via XXXX XXXX who agreed to purchase a large quantity of sourced items from me, totaling over {$60000.00}. Payments were sent to me and my friends through XXXX, and I fulfilled the sourcing request and delivered the items as agreed. 

However, the scammer deliberately marked the payments as Personal Payments rather than Goods and Services bypassing XXXX XXXX Purchase Protection policy. Shortly after receiving the items, the scammer disputed all of the payments through their credit card issuer, claiming them as unauthorized. 

XXXX notified me, that the chargebacks had been initiated. Although XXXX  submitted a dispute on my behalf, they ultimately ruled that I was ineligible for reimbursement due to the transaction type being marked as personal. I was left with a negative balance of {$9000.00} on my XXXX  account, while my friends were left with similar or larger negative balances. 

I attempted to resolve this matter through XXXX support, but the case was closed with no resolution in my favor, despite providing clear evidence of the scam. Local police declined to take a report, labeling it a civil matter. XXXX  has not provided any protection, and now we are all at risk of this being sent to collections and damaging our credit even though we were victims of fraud. 

This situation highlights a major flaw in XXXX system : there are no safeguards preventing users from misusing the personal payment feature to commit fraud, and no recourse for victims like myself. XXXX refusal to reimburse or freeze collections pending resolution is unethical and irresponsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Army and Air Force Exchange Service
State: AL

Complaint narrative:
This is a follow up complaint for XXXX. 

The company 's response stated, " Hello XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for contacting the Exchange credit report. To address your concerns, unfortunately, we can not remove the collections account from your credit report. This account will remain on your credit report seven years after the last activity date. If the negativity is still showing on your credit report after this period, please contact that specific bureau and request an account update. Your account should automatically fall off your credit report seven years from the delinquent date, XX/XX/year>. If you have any further questions about your account, please feel free to contact our collections department at XXXX or email XXXX. Thank you for your service and have a great day. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Army & Air Force Exchange Service XXXX Visit our online store! XXXX XXXX 

They are ignoring the substance of my dispute. 

Their response fails to address the acknowledged agreement and my certified letter. 

They are continuing to report disputed information despite notice, which is a clear violation of the FCRA and FDCPA. 

I am not simply requesting early removal, but rather removal based on inaccurate and unlawfully reported information. 

I am not disputing the reporting timeline ; I am disputing the VADILITY AND LEGALITY of the information being reported after a formal agreement and certified dispute letter were submitted. This is willful noncompliance with the FCRA and FDCPA.

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 2025-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I opened my savings account with a 4.2 % interest rate. Every time I have enough money to receive XXXX $ in interest for a month, capital one lowers my interest rate without warning or telling me. I am now down to a 3.6 % interest rate in the savings account without ever receiving notifications for my lower rate. I am being punished by and stolen from this XXXX XXXX XXXX money scammer for trying to be responsible witj my money and savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: IN

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info.

15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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 2025-04-25 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccccoouunntt NNuummbbeerr : : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint concerning a collection account that is inaccurately and inconsistently reported on my credit file by the XXXX XXXX XXXX XXXX. Specifically, the date opened and date of last activity for the same account vary across Experian, TransUnion. These discrepancies materially affect how the account is interpreted and may unfairly extend the duration this negative item remains on my credit report.

The account WFBNA CARD has not been properly verified or consistently reported, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. Inaccuracies in key dates materially skew my creditworthiness and reporting history and undermine the integrity of the credit reporting system.

Additionally, I have also attached documentation showing inaccurate and inconsistent reporting of late payments across the credit bureaus for this same account. These discrepancies further violate the FCRA, 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to reinvestigate any disputed information and remove or correct it if it can not be verified as accurate. Inaccurate late payment data has a significant impact on my credit score and must be corrected or deleted immediately in accordance with federal law. 

Thank you for your assistance in protecting consumer rights and holding credit reporting agencies accountable to the standards required under federal 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 non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-24 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: FL

Complaint narrative:
Im still seriously concerned that my credit report contains inaccurate and incomplete information. Despite several attempts to have this corrected, the problems remain and are unfairly impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I had a checking account with Navy Federal Credit Union that I was unable to access due to disruptions due to Covid. During that time, up until now, I did not have online or mobile banking access and was unaware of the activity on the account. I recently discovered that there is a negative balance due to charges that I did not authorize or recognize resulting in XXXX XXXX XXXX 

These charges are fraudulent or were made in error while my account was inactive and inaccessible to me. I want to resolve the issue by working with Navy Federal to investigate the disputed transactions. I also want to either restore my account standing and set up fraud prevention measures or open a new account in order to protect myself and manage my finances securely moving forward. 

I am requesting : A full investigation into the disputed transactions A correction of any errors or unauthorized charges Assistance in setting up a secure new account if needed. 

Also, my billing address has changed. Please help ensure that my financial information and account access are protected and that I am not held responsible for fraudulent or unauthorized activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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 am submitting this complaint because TransUnion is inaccurately reporting multiple hard inquiries from a company called XXXX XXXX on my credit report. I did not authorize these inquiries, nor did I initiate any credit applications through XXXX XXXX. These inquiries are negatively affecting my credit score and do not reflect any action taken by me. I have attempted to resolve this directly with TransUnion, but the inquiries remain on my report. I am requesting the CFPB to investigate this matter and to have TransUnion remove the unauthorized inquiries from my credit file as they are a clear reporting error.

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 2025-04-25 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: CA

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 

Details of the Dispute : I am disputing the following account that appears on my credit report, which I believe to be the result of identity theft : Creditor Name : XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Status : Charged off {$11000.00} past due as of XX/XX/XXXX This account is not mine. I did not authorize it, apply for it, or have any communication with the creditor. These fraudulent actions were committed without my knowledge or consent. 

Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request the immediate blocking and deletion of this fraudulent account from my credit report. 
In addition, under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting formal debt verification. If this account can not be validated with documented proof such as a signed agreement bearing my authentic signature it must be permanently removed. 

Compensation for False Verification : Per FCRA 616 ( 15 U.S.C. 1681n ), if this account is falsely verified despite my identity theft report, I reserve the right to seek statutory damages of {$1000.00} per violation. 

Supporting Documentation Provided : Identity Theft Report ( police & FTC affidavit ) Government-issued ID Requested Actions : 1. Immediate blocking and removal of the fraudulent XXXX XXXX XXXX  XXXX account . 
2. Full debt verification.

3. Written confirmation of deletion.

4. Proof that the furnisher has been notified to cease reporting.

5. Updated credit report showing corrections. 

Please confirm in writing that this request has been processed in accordance with the FCRA. Non-compliance may result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 


Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax is reporting XXXX XXXX XXXX as my employer, which is not accurate and has never been associated with my verified employment history. I have previously disputed this error and submitted updated employment records, yet this inaccurate employer listing remains. This is an ongoing violation of the FCRA under 15 USC 1681e ( b ), which mandates that personal and employment data reported by credit bureaus must be based on the most accurate and up-to-date information available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: MD

Complaint narrative:
I recently reviewed my consumer reports and noticed fraudulent activity. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to file a formal complaint regarding continuous harassment from the above list of creditors, demanding payment for debts I neither recognize nor authorized. I have no knowledge of these accounts. On XXXX XXXX, I filed a report with the Federal Trade Commission ( FTC ) under 16 CFR Part 660, specifically 16 CFR 660.2 ( Identity Theft Reporting ), regarding these unauthorized accounts and the misuse of my personal information. These creditors are contacting me concerning accounts I did not open and are sharing my personal information without my consent, in violation of my rights. This constitutes persistent harassment, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d ( Harassment or abuse ). Furthermore, the three major credit bureaus ( Equifax, Experian, and TransUnion ) are refusing to investigate and dispute these inaccuracies, a direct contradiction of their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ). Under the FDCPA, specifically the provision prohibiting debt collectors from engaging in any conduct that harasses, oppresses, or abuses individuals in connection with debt collection ( 15 U.S.C. 1692d ), these actions are a clear violation of my rights. Furthermore, pursuant to 18 U.S.C. 1028 ( Fraud and related activity in connection with identification documents and information ), I do not owe any debt to these companies. They are also violating my right to privacy under 15 U.S.C. 1681b ( a ) ( 2 ) ( Permissible purposes of consumer reports ), as they have no permissible purpose to report or share any information regarding me. I demand an immediate investigation into these matters and request that these unauthorized accounts be removed from my credit reports and that the harassment cease immediately. Thanks

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 2025-04-25 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation