vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
Company : PayPal , Inc . 
Business Account Holder : XXXX XXXX XXXX Account Owner : XXXX XXXX What happened PayPal , Inc. improperly limited our business account and denied valid buyer disputes, despite clear evidence of merchant non-performance. These actions contradict PayPals stated Buyer Protection policies and effectively deprive our company of any meaningful consumer protection when a seller fails to deliver goods or delivers damaged merchandise. 

We have processed a high volume of transactions through PayPal and opened only XXXX disputes total, all of which were legitimate and filed only after sellers refused to resolve serious issues. PayPal claims our account was limited due to many disputes, which is factually incorrect. 

Disputed Transactions Dispute ID : XXXX Amount : {$3700.00} A laptop purchased from XXXX was never delivered to our company. XXXX tracking shows delivery to a different state and address unrelated to our business. This evidence was submitted to PayPal, yet the dispute was denied without proper consideration of the incorrect delivery. 

Dispute ID : XXXX - Amount : {$3200.00} A laptop was delivered damaged. XXXX refused to accept a return of the damaged item. PayPal denied the dispute despite the sellers refusal to honor a return for damaged goods. 

Why this is a problem PayPal instructs buyers to open disputes when a merchant fails to deliver goods or refuses returns, yet penalizes buyers for using this dispute process by limiting accounts and denying claims. PayPal has not provided any alternative remedy for buyers when sellers refuse to comply. 

This practice effectively nullifies buyer protection, shifts merchant risk onto the buyer, and appears to be an unfair and deceptive practice. A dispute can not reasonably be considered abuse when it is the only contractual remedy available to the buyer after merchant refusal. 

What I want PayPal to do Remove all limitations from our PayPal business account Reopen and properly review the denied disputes with full consideration of the evidence Refund amounts where seller non-performance is confirmed Provide a clear explanation of how buyers are expected to resolve merchant violations if dispute usage results in penalties Additional information PayPals actions disproportionately favor large merchants while depriving buyers of protections advertised in its policies. Penalizing legitimate dispute usage undermines trust in PayPals dispute resolution system and exposes businesses to financial harm without recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: OK

Complaint narrative:
I am submitting this complaint regarding multipleinaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensureaccuracy and proper verification.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> Citibank allegedly attempted to collect the automatic monthly payment on my XXXX cobranded credit card from my bank, XXXX XXXX. They claim that my bank rejected the payment and that my bank indicated that the bank account did not exist. Nothing was changed by me or my bank and I have never had an issue with payments ( automatic or otherwise ) like this at any of the many financial institutions with which I regularly interact. I learned of this issue via an email from Citibank. I immediately called XXXX and checked my accounts online, and the supervisor from XXXX XXXX XXXX confirmed that no such request for payment was received from Citibank and that everything on all of my accounts looked fine. They said there must have been an issue with Citibank and that I should call them. I contacted Citibank and spoke with XXXX representative from a non-US domiciled entity ( likely a cheap third-party call center overseas ) and then asked for a US-based manager . I was transferred to a Customer Service Supervisor named XXXX ( # XXXX ) who stated that the account number used was correct and that it must have been a XXXX issue, but she refused to reverse the {$30.00} fee that Citi charged and stated I would have to get a letter from XXXX confirming that it was an issue on their end. This makes no sense as if XXXX was at fault they would have readily refunded me the fee charged by Citibank, but as they had absolutely no record of the transaction they couldnt do anything. How does one disprove a negative activity or event? The Citibank representative was adamant about it not being their responsibility, but when I made a one-time payment using the same exact banking information and then re-set up automatic payments going forward ( as they had cancelled this after the botched transaction, as I was told ) the agent confirmed again that the checking account at XXXX from which payments are made was the exact same information that had always been used in months past ( for the autopay ; there were also a couple of months of direct push bill pays as I made prepayments for outsized upcoming bills related to my daughters upcoming wedding ) and that their must have been a system issue with the processing of the auto payment. She refused to refund the fee, however, along with my request to speak with a higher level manager. Please intervene and have them explain and show exactly what happened so it hopefully will never happen again to helpless innocent customers in the middle like myself, and mandate that they reimburse the wholly inappropriate fee that they charged ( which again XXXX indicated they would have been happy to do if it was indeed XXXX fault for the erroneous processing of the auto payment ). Thank you in advance for your assistance.

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 2025-12-15 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX -- Opened : XX/XX/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 XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX -- Opened : XX/XX/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 XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
b'These companies pulled my credit without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-15 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate, incomplete, and unverified items appearing on my Experian credit report. I have reviewed my file carefully and found information that does not meet the accuracy and reporting standards required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Charged-Off Accounts in Dispute The following accounts are being reported as charged off. I dispute their accuracy and completeness, as I have not been provided with proper verification, documentation, or proof of legal obligation : XXXX XXXX XXXX XX/XX/XXXX Balance : XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : XXXX XXXX  XXXX XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : XXXX XXXX XXXX  XXXX XX/XX/XXXX Balance : XXXX XXXX  XXXX XX/XX/XXXX Balance : XXXX XXXX XXXX  XXXX XX/XX/XXXX Balance : XXXX XXXX XXXX XX/XX/XXXX Balance : XXXX Unauthorized / Unrecognized Inquiries XXXX XX/XX/XXXX XXXX  XX/XX/XXXX I do not recall authorizing these inquiries and request validation or removal. 

Late Payment Reporting in Dispute XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-15 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: PA

Complaint narrative:
new american funding \To Whom It May Concern, I am writing this letter personally and with sincerity to formally dispute multiple mortgage-related credit inquiries that appear on my TransUnion credit report. These inquiries are inaccurate, misleading, and have caused real harm to my credit profile. 

During a single mortgage-related event, my loan was transferred between mortgage companies. As a result, multiple mortgage inquiries were placed on my credit report without my direct authorization or a separate permissible purpose for each inquiry. I did not submit multiple mortgage applications, nor did I provide written authorization for each company that accessed my credit file. 

Under the Fair Credit Reporting Act, consumer reporting agencies may only report inquiries that were made for a permissible purpose and with proper authorization : 15 U.S.C. 1681b limits access to consumer reports to specific, authorized purposes 15 U.S.C. 1681e ( b ) requires TransUnion to maintain maximum possible accuracy 15 U.S.C. 1681i requires a reasonable reinvestigation of disputed information The reporting of multiple mortgage inquiries arising from a single loan transfer is misleading and does not accurately reflect my actual credit-seeking behavior. These inquiries falsely suggest that I repeatedly applied for new mortgage credit, which is not true and has negatively impacted my credit score.

I am respectfully requesting that TransUnion : Conduct a lawful and reasonable reinvestigation of all mortgage-related inquiries associated with this loan transfer Require each inquiring company to provide proof of a permissible purpose and my written authorization Remove any inquiry that can not be fully verified as authorized and permissible under the FCRA Provide me with an updated copy of my credit report reflecting the removal of any inaccurate inquiries I am not disputing legitimate credit activity. I am simply asking that my credit report fairly and accurately reflect my true financial actions. The presence of these inquiries has caused unnecessary stress and has interfered with my ability to maintain and rebuild my credit. 

Thank you for your time and consideration. I trust that you will uphold its obligations under federal law and ensure that only accurate, authorized information remains on my credit file. 

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 2025-12-15 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: AR

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-12-15 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: AR

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-12-15 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: MO

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-12-15 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
All three account was charged off and didn't receive my 1099c. So I need y'all to send me a 1099c for the tree accounts. The accounts was reported as collection/charged off and they are affecting my credit score negativity. The reporting of these account is incorrect and I still see a balance after it has been charged off. I urge your agency to reinvestigate and provide all the missing information. Also please explain to me why there is a report of a past due balance reporting while a report is shown as a charged off?? I'm pretty sure y'all know that is a violation. I demand immediate deletion of these accounts to ensure that your agencies is reporting full and only complete information on my account. 
Please be aware I am keeping a detailed record of the correspondence and actions taken throughout this process. Failure to respond to this letter or address they mentioned violation with the specific time frame will leave me no choice to proceed and legal action to protect my rights as a consumer. I trust that you would take this matter seriously and handle it in a timely and professional matter. I'll look forward to receiving a satisfactory resolution of this issue. 

Accounts : XXXX XXXX ) {$2800.00} The account was charged off {$2800.00} written off. Status updated in XX/XX/XXXX It is a violation to charge off an account and still report it on a credit file. It needs to be deleted from my credit report. 


Account : XXXXXXXX XXXX XXXXXXXX XXXX ) {$2300.00} The account was charged off {$2300.00} written off. Status updated in XX/XX/XXXX XXXX charged off account with a balance?? Are you sure you know what you're doing? How come you keep reporting inaccurate information on my credit file I demand immediate deletion of this inaccurate information. 

Account : SYNCB/LOWES XXXX ) {$940.00} The account was charged off {$940.00} written off. Status updated in XX/XX/XXXX This account has been written charged off it needs to be deleted off my credit report. 

XXXX XXXX XXXX harbor freight. 
Amount of {$1300.00}. I see it was bought by a debt buyer so I will need some information of these things listed a assignment contract or full chain of an assessment. A bill of sale from the original creditor with identifying account details. A account level documentations the sign contract and statements. Proof of licensing and bonding to collect in my state. And a full breakdown of how the balance was calculated ( principal and interest and fees ). If y'all can't prove it then y'all legally can not collect under the FDCPA 15 U.S.C.1692g ). If you can not provide me with the information deleted off 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 explanation