vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 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 2025-10-23 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 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 2025-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am requesting a review and removal of the negative record related to a repossessed vehicle account that occurred several years ago. The repossession took place after an accident in which the engine stopped working, leaving me unable to continue making payments. When I contacted the lender, the vehicle was collected, and I never received further communication or resolution regarding the matter. As this account has long been closed, I respectfully ask for your assistance in disputing and removing any negative information associated with it. I am now in a stable position and wish to rebuild my credit history and move forward with a positive financial future.

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 2025-10-23 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery have failed to cure the issues regarding removing an account it advised me would be removed per their response to complaint regarding a time barred debt. ( account is still being report on XXXX ) In addition, they have also failed to cure issues regarding violations of the TCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-23 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: VA

Complaint narrative:
Company : PayPal , Inc . 
Category : Payments/ Electronic Fund Transfers Disputes and Refunds Complaint : I opened a dispute with PayPal for a purchase from a merchant ( XXXX XXXX ) on XX/XX/year>, because the order was marked delivered but never reached my address. XXXX later confirmed the package was undeliverable / misdelivered. 

Since XX/XX/XXXX, both the seller and I have been trying to resolve this. The seller agreed to refund me, but claims they are unable to process the refund because PayPal has the funds locked due to the dispute. They have repeatedly stated theyre ready to refund me but dont know how to proceed through PayPal. 

PayPal initially closed the case in the sellers favor based on tracking that does not show proof of delivery ( no photo, no signature, and the wrong city ). After I appealed, PayPal reopened the dispute, but no action has been taken to release or refund the funds. Every time I contact support, I receive a new representative and no concrete update. 

At this point, it appears PayPals internal process is preventing the refund from being completed. The seller is confused, and PayPal has not stepped in to resolve it or guide them. Instead of helping, PayPal has become an obstacle, holding the money while neither party can act. 

I believe this mishandling violates XXXX Buyer Protection Policy and basic fair practice. I have provided full documentation : XXXX tracking showing no valid delivery, seller emails confirming refund attempts, and all correspondence through the Resolution Center.

I am requesting the CFPBs assistance in ensuring PayPal releases or issues the refund immediately. I also request a review of PayPals handling of this case and their communication practices with both buyers and sellers in dispute situations. 

Resolution Requested : Refund of the full transaction amount to my account and confirmation that PayPal will correct any internal issue preventing sellers from processing refunds while disputes are open. 



Transaction information Dispute Case ID XXXX XXXX XXXX {$290.00} USD Dispute Amount {$290.00} USD Transaction ID XXXX Transaction Date XX/XX/year> XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-23 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: MD

Complaint narrative:
Goldman Sachs / Apple Card has refused to waive a {$24.00} charge that resulted from a confusing statement and a misapplied credit. 
XXXX. On my XX/XX/year> statement, I had a charge and a return for {$24.00}. 
XXXX. I initiated a dispute, and a temporary 'DISPUTE CREDIT ' of {$24.00} was added to my account on XX/XX/year>. 
XXXX. On that same day ( XX/XX/XXXX ), my autopay for my XXXX balance of {$37.00} was scheduled. 
XXXX. The Apple Card system automatically took the {$24.00} credit ( which was for an XXXX transaction ) and applied it to my XXXX balance. This was extremely misleading. My autopay only pulled the remaining {$12.00}. 
XXXX. On my XX/XX/year> statement, the bank reversed the credit with a 'DISPUTE REVERSAL ' charge of {$24.00} on XX/XX/XXXX. 
I am disputing this {$24.00} reversal. It is unfair to charge me for this, because the bank 's own system created the confusion. It misapplied a temporary credit from one billing cycle to a payment for a previous cycle. This was misleading and has cost me hours of time trying to resolve. I have already disputed this directly with Goldman Sachs and they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Between XXXX and XX/XX/year>, I sent four formal dispute rounds through Dispute XXXX XXXX  Mail system to all three credit bureaus and National Credit Adjusters. Despite receiving multiple written disputes, National Credit Adjusters continues to report unverified accounts and send collection letters and messages attempting to collect payment.

No lawful debt validation was ever provided, even though the companys reporting clearly shows Account information disputed by consumer. This violates both FCRA 611 ( a ) failure to properly reinvestigate and FDCPA 809 ( b ), which prohibits collection activity on a disputed debt until verification is supplied. 

I am requesting CFPB assistance to compel National Credit Adjusters to verify or delete all unverified accounts and to ensure the company ceases further contact until full validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: Synovus Bank
State: CA

Complaint narrative:
Between XXXX and XX/XX/year>, I sent four formal dispute rounds through Dispute XXXX XXXX Mail system to all three credit bureaus and XXXX XXXX XXXX XXXX XXXX XXXX. Despite these disputes, the account continues to be reported as a negative tradeline showing Purchased by another lender and was later re-opened with a {$0.00} balance misrepresenting its true age and status. 

This constitutes inaccurate and misleading reporting under FCRA 607 ( b ) and 623 ( a ) ( 2 ). If any collection agencies are pursuing this same account, it further violates FDCPA 807 ( 2 ) ( A ) for false representation of a debts legal status. I am requesting CFPB assistance to compel verification or deletion of this tradeline and ensure it is properly reported as closed with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
Inaccurate accounts remain on my credit report and they have not been deleted. I am pleading for a complete review of the documents I provided so I can finally stop stressing over this every single day.

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 2025-10-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. Auto Credit Corporation
State: TX

Complaint narrative:
AUTO CREDIT - Account Number : XXXX Reported Fields : Balance : {$15000.00}, Status : Charge-off, Date Opened : XX/XX/XXXX, Status Updated : XX/XX/XXXX, Remarks : CHARGED OFF ACCOUNT Issue : This account is reported as a charge-off, which severely impacts my credit score. I dispute the accuracy of this information.

Legal Reference : FCRA, 15 U.S.C. 1681s-2 ( a ) outlines the responsibility of furnishers to provide accurate information. This account may be inaccurately reported.

Metro 2 Reference : The Account Status and Balance fields require verification. The correct expected values should be verified against original creditor documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
XXXX and cashapp have given me no indication that I'll get any help or get my refund. XX/XX/2025 The amount of {$160.00} was paid and within the first hour or so I reached out to cancel my order but the person only asked why and that they would look into it but they never replied to me again after that. I read through their refund policy and it clearly states you can cancel before it processes but I never got my refund or received what I ordered. I paid through cashapp and I've made several attempts to request money back and reported it to cash app but they keep telling me that they can't find evidence of a scam even though I sent them screenshots of the information I found on the XXXX website with other people saying they were scammed by this website as well. I've tried to message the customer service several times directly but I am not getting any replies and they denied my refund request through cashapp. I reached out to the XXXX  and they informed me that the person didn't respond to them. I've filed 3 scam reports with cashapp with screenshots but keep getting an email saying they won't be able to reimburse me, XXXX  said they can't force a company to reply, and the actual company won't reply or accept my refund request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my Experian credit report and found multiple inaccuracies in my personal information, including incorrect spellings of my name and an outdated employer. 
On XX/XX/year>, I submitted a written dispute to Experian requesting correction under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

I asked them to update my record with accurate identifying information and delete outdated phone numbers.

These errors may negatively affect my credit profile. 
I am requesting CFPB oversight to ensure Experian completes its reinvestigation and provides an updated report within the 30 days required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This letter serves as a formal dispute and request for validation of the debt you allege I owe, as listed below, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 

Date Opened : XX/XX/XXXX Reported Status : Collection account {$740.00} past due as of XX/XX/XXXX Balance : {$740.00} ( as of XX/XX/XXXX ) Status Updated : XX/XX/XXXX On Record Until : XX/XX/XXXX I have no record or knowledge of any legally enforceable debt owed to your company or any entity you represent. Therefore, under federal law, I am requesting that you validate this alleged debt by providing the following within 30 days of receipt of this notice : The name and address of the original creditor. 

A copy of the original signed contract or agreement bearing my signature. 

A complete payment history and itemized statement showing how the amount of {$740.00} was calculated. 

Proof that you are legally authorized to collect on behalf of the original creditor or that the debt was legally assigned or sold to your company. 

A copy of your debt collection license for my state, proving you are permitted to collect debts here. 

Until this information is provided and verified, you are required to cease all collection activities, including reporting or updating this account with any credit reporting agency. Continuing to report unverifiable information violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

If you fail to validate this alleged debt within the legally required timeframe, or if you continue to report this account without proper verification, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to pursue civil remedies for violations of federal law. 

Please respond to this dispute in writing within 30 days of receipt. If you can not fully validate this account, you must immediately remove all references to it from any credit reporting agencies and cease all contact with me regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing this complaint with absolute certainty and deep frustration. There are multiple errors on my credit report that I can no longer ignore, as they have been continuously and unfairly impacting my life and credit score. These inaccuracies are preventing me from achieving financial freedom and stability, and it is unacceptable that they remain unresolved despite my ongoing efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/year> -Balance {$980.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation