vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: ND

Complaint narrative:
PayPal decided to restrict my account after I received funds for doing a XXXX XXXX project with no clear resolution I was asked to send in documents to support where the funds came from and I followed everything they asked me to do. The restrictions requires PayPal to hold my funds for 180 days which is unimaginably long time due to the fact that I have a business to run and bills to pay. There are no disputes, chargebacks, or claims against my account that would justify holding my money for this length of time. I have been a PayPal user for 6 years and now that my account is actively being used my money is frozen? I will not recommend anyone to use PayPal for future references.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: FL

Complaint narrative:
Complaint against XXXX and TekCollect. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Re : Complaint against XXXX and TekCollect To Whom It May Concern, I am submitting this complaint regarding XXXX and TekCollect in connection with an invalid debt and a breach of contract. 
I entered into a treatment agreement with XXXX with the expectation of receiving a full orthodontic treatment plan through to completion. However, due to XXXX abrupt bankruptcy and closure, my treatment was left unfinished. This is a clear breach of contract, as I paid for services that were never delivered in full. Following XXXX closure, I was contacted by TekCollect, a debt collection agency, regarding a balance they allege I owe. This is improper and unacceptable. The debt is invalid, as it relates to services that were never rendered. Any attempt to collect this balance constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the collection of debts that are not owed. 
I request the following actions : 1. Immediate cessation of all collection efforts by TekCollect regarding this disputed and invalid debt.

2. Confirmation that my account has been resolved with a XXXX balance. 
XXXX. A full refund or credit for the portion of treatment not provided. 
XXXX. Written confirmation from both TekCollect and XXXX ( or its representatives ) that no negative information will be reported to the credit bureaus in relation to this invalid debt. 
I trusted XXXX with both my health and finances, and this outcome has caused me undue hardship. It is unreasonable that I should be charged or pursued for services I did not receive due to their bankruptcy. 
Please investigate this matter promptly. I request written confirmation of the resolution of this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: LA

Complaint narrative:
This finance company financed my car loan. The car was totaled out in XXXX. My insurance and XXXX XXXX paid the car off. The finance company doesnt reflect the insurance payments when I call the hotline. But, I have the payment sheet. And it reflects one of the insurance payments. However I also have the paperwork from both Gap and my auto insurance company. They clearly state that the balance has been paid and that o no longer owe XXXX XXXX anything at all. Ive tried to contact the company and have been unsuccessful with being able to reach anyone that will listen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XXXX ] It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

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 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: SC

Complaint narrative:
XXXX XXXX and Equifax Inc are reporting a collection to my credit report but did it provide me with required disclosures before adding this collection to my credit report. I do not owe this debt and refuse to pay it at all. If this collection is not removed I will sue each of your entitys.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX[Email Address]XXXXDate: XXXXLVNV Funding, LLCXXXXnRe: Request for Removal of Paid Debt from \nDear Sir/Madam,\nI am writing regarding the account listed above, which is reported on my credit report by LVNV Funding. I would like to formally request the removal of this account from my credit report, as I have paid the debt in full and have resolved all outstanding balances associated with the account.\nBelow are the details of the account:XXXXCreditor Name: LVNV Funding, LLCXXXXAccount Number: [Account Number]XXXXAmount Paid: [Amount Paid]XXXXDate Paid: [Date Payment was Made]XXXXPayment Method: [Method of Payment, e.g., check, wire transfer, etc.XXXXAs proof of payment, I have attached a copy of the payment receipt and/or settlement agreement (if applicable). I am requesting that, in accordance with the Fair Credit Reporting Act (FCRA), you update your records and have this account removed from my credit report as it has been fully satisfied.\nPlease confirm in writing once the account has been removed from my credit file. If you are unable to remove the account, I kindly request that you provide documentation explaining why this request cannot be fulfilled.\XXXXThank you for your prompt attention to this matter. I look forward to your confirmation.XXXXSincerely,\XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
For the account in question ( I had 4 and a savings account ) my business account received a large deposit. I was often on the road as an XXXX truck driver so did not recieve mail except on an every other week basis. My online account had a new deposit notification of {$150000.00}. I was approximently 4 days later when I got the mail that I had a notice of availability of funds stating it would be XXXX to 10 days before the funds were available. I was in MN at the time and when I called the bank the lady asked if I had made the deposit and when I stated no, she changed her attitude twards me. I stated someone could have but I was not expecting the deposit. I am astranged from my parents, whom may have blessed me, I have 2 uncles that are well off, and it is often that people in the trucking industry receive angle funding when they are trying to buy their own truck or invest in a stable shipping contract. It took until 2 weeks later to go to the XXXX, Oh branch at home to see what was going on. When i entered the bank the lady stated she just did the error a moment before i spoke to her and showed her the online proof. She said she had made an error in a couple of numbers just then. She had no idea I had recieved the letter of availability of funds from XXXX weeks prior. XXXX case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: NY

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX : XX/XX/XXXX SS # : XXXX Date : XX/XX/XXXX Experian Information Solutions , Inc . 
P.O. XXXX XXXX XXXX, TX XXXX Re : Formal Dispute of Duplicate Reporting Account with XXXX XXXX XXXX XXXXe To Whom It May Concern, I am formally disputing inaccurate and duplicate information that appears on my Experian credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The account in question is : XXXX : XXXX XXXX, XXXX. 
Account Number ( partial ) : XXXX Balance : {$640.00} Status : Charged Off / Closed This account has already been reported by XXXX XXXX and is showing on my Experian credit file. However, I am now also receiving collection notices from XXXX XXXX XXXX XXXX XXXX, regarding this same exact account and balance. This creates a duplicate entry for the same debt, which is misleading, inaccurate, and violates my rights under FCRA 602 ( A ) and 607 ( b ) ( requiring maximum possible accuracy ).

Duplicate reporting of the same account unfairly damages my credit by making it appear as though I have two separate derogatory accounts when in fact it is the same XXXX XXXX account. 

Accordingly, I demand that Experian : 1. Immediately investigate this matter pursuant to FCRA 611 ( 15 U.S.C. 1681i ). 
XXXX. Remove any duplicate reporting of the XXXX XXXX account being furnished through XXXX or otherwise correct the reporting so that it only appears once. 
XXXX. Provide me with written confirmation of the results of your reinvestigation. 

Please be advised that I am also filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) for assistance in resolving this matter, as this inaccurate reporting is in violation of federal law. 

Attached are supporting documents : XXXX collection letter dated XX/XX/XXXX. 
Experian credit report showing the XXXX XXXX account already listed. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went into Chase bank XX/XX/XXXX to pay off an amount I owed them {$200.00}. I was instructed that after I pay that amount I can open a new account. I opened a new account t and deposited cash and a Chase check in the account because I felt it would be safer to do so the check was on hold and then cleared. I asked if I could withdrawal XXXX for a down payment on a vehicle and they said yes because the check cleared and the funds were available. XX/XX/XXXX I tried using my digital XXXX XXXX debit card at XXXX  and they flagged it as fraud, which I confirmed it was not. The transaction did not go through so I tried to XXXX my other account so I can pay for my transaction and that didnt go through either. Thats when I found out my account has been restricted and Chase was no longer doing business with me. With no explanation. Ive been in contact with the fraud department that put a restriction on my account and they said that the funds can be withdrawn at the branch decision. I have gone to 3 branches and they all tell me they want to withdrawal my funds for me but Chase is not allowing that due to verifying funds but everything has been cleared and verified. They said my account is set to close XX/XX/XXXX and they will issue a check and mail it which can take up to 30 plus days. I have no money, no way to pay my rent or electricity. They see where the funds came from but wont let me even have half of the money out of my account. They also wont tell me why my account is being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: GA

Complaint narrative:
On these following dates, I mailed out disputes for all of the unlawful and inaccurate data on on my XXXX consumer report. They have failed to accurately update/delete that information on 3 separate attempts.

05/28/2025 09/13/2024 06/26/2024XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
On XX/XX/2025 my bank statement was examined. There is an unauthorized transaction for {$1000.00} to another individual including their full name on the statement. The transaction in the amount of {$1000.00} through XXXX processed on XX/XX/2025. I have no knowledge of the transaction. A dispute has been filed today. I am unaware why there are discrepancies for the dates in the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear Sir or Madam, I am writing to file a formal complaint against Portfolio Recovery Associates , LLC ( PRA ) regarding their continued reporting of an alleged debt on my credit file, despite their failure to provide adequate verification as required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ).

Background PRA is reporting a collection account on my credit report in the amount of {$760.00}, opened on or about XX/XX/XXXX, most recently updated XX/XX/XXXX. 

I have formally disputed this debt with both the credit bureaus and PRA.

PRA has failed to provide proof that this alleged debt is mine, or that an online account was actually created by me. They have not produced a signed agreement, original account statements, or any documentation linking me to this account.

Violations 1. FDCPA Violation ( 15 U.S.C. 1692g ( b ) ) PRA has continued collection activities and credit reporting without properly validating the debt. Simply confirming information already in their system is not sufficient validation.

2. FCRA Violation ( 15 U.S.C. 1681i ) Despite my disputes, the credit bureaus verified the account based solely on PRAs unsubstantiated claims. PRA has reported the account as dispute resolved consumer disagrees, which is misleading and harmful.

3. PRA is attempting to collect on an alleged online account but has failed to show proof that I opened or authorized such an account. Without authentication ( such as original application records, IP logs, or contract ), they can not lawfully establish that I am responsible.

Harm This inaccurate reporting has damaged my creditworthiness, interfered with my ability to obtain credit on fair terms, and caused unnecessary stress and hardship.

Requested Resolution I respectfully request that the CFPB : 1. Investigate PRAs failure to properly validate the alleged debt.

2. Require PRA to cease all collection activity and delete this account from my credit reports unless they can produce concrete documentation that the debt is valid and was lawfully created by me.

3. Ensure compliance with FDCPA and FCRA provisions regarding proper debt verification and fair credit reporting. 



Thank you for your attention to this matter. Please contact me if you require additional documentation. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: FL

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I couldnt paid for auto loan because I wasnt working. Plus they sent out letters about transfer auto loan to someone else to take over. I dont understand why they put on my report if someone else took over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
On XX/XX/2025, I sent a certified letter to this company to demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) to immediately cease all communication and collection activity regarding an alleged debt. They went silent on me. 
Today, XX/XX/2025, I received an alert that the balance on the alleged debt had rather increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Larry H. Miller Group of Companies
State: VA

Complaint narrative:
I would like to trade the vehicle in, but the vehicle is in an upside down trade. Plus, I am almost in aI would like to trade the vehicle in, but the vehicle is in an upside down trade. Plus, I am almost in a repossession status.

Company response to consumer: Closed with explanation