vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
b"XXXX I began receiving in the mail, collection letters from Portfolio Recovery Associates for an invalid account with XXXX XXXX Credit Card. They are insisting that ,in this letter that $XXXX is owed, yet I have correspondence from XXXX  stating that my XXXX XXXX XXXX Card with them was paid off in XXXX and was closed at that time. Therefore, I do not owe anything unless an individual opened another account in my name and fraudulently obtained a credit card. They are insisting that the account number is: XXXX XXXX. The Consumer Financial Protection Bureau (CFPB) investigated this collection account and as a result of CFPB's investigation, deeded it fraudulent. However, when I contacted XXXX, they had (4) fraudulent accounts on my Credit Report with 2 of the creditors- XXXX for example, contacted the CFPB and indicated that they never sent ANY delinquent accounts to any of the Credit Bureaus, and any possible attempts on collections would be terminated due to fraud in XXXX XXXX XXXX. CRPB Investigated Portfolio Recover Associates and found the delinquent account was fraudulent, \nHow then does XXXX XXXX have collection accounts on my Credit Report that WERE NEVER REPORTED to the CREDIT AGENCIES. I informed XXXX  that CRPB investigated the 4 delinquent account information and the invalid information needed to be removed and the customer service representative refused to update information on the system with the dates and final investigative information showing it was FRAUD. \nI want Portfolio Recovery Associates, who were the target of a lawsuit brought on by the CFPB for Fraud, to cease and desist from adding their information to my Credit Report at ALL the agencies and for it to be removed within 30 days. I want CRPB to bring legal action against Portfolio Recovery Associates for this repeated harassment. Within the law in Maryland, negative credit card information can only be reported for 7 years and then REMOVED. If this was a valid account, they still would be in violation of the Maryland Credit Reporting Law."

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
So for capital one they closed my account because of fraud I was in XXXX and had paid my credit card off but I cancelled the card bc I thought I was getting scammed. I did call before to tell them what was going on. This was the end of XXXX coming into XXXX of last year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
On XX/XX/year>, I opened dispute with Navy Federal Credit Union and the case number : XXXX and XXXX ) for XXXX ( XXXX ) {$820.00} debit card charge ( {$1600.00} total ) that should have been ~ {$20.00} ( clear keying error at a bar ). 
I submitted all requested information via secure message on XXXX XXXXXXXX XXXX with proof of delivery in NFCUs own system ( screenshots attached ). 
Navy Federal violated Regulation E by : XXXX. Never issuing the required provisional credit within XXXX business days ( 12 CFR 1005.11 ( c ) ) XXXX. Closing/denying my dispute with the false claim that information was not received, despite my proofI want the {$1600.00} refunded immediately and the dispute resolved in my favor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-16 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 disputing numerous inaccurate, outdated, and misleading entries on my credit reports from Equifax, Experian, and TransUnion. My XXXX XXXX XXXX shows conflicting last activity dates across bureaus ( XX/XX/XXXX on Experian, XX/XX/XXXX on Equifax, XX/XX/XXXX on TransUnion ) while maintaining the same balance of {$910.00}, violating FCRA 605 ( a ), 607 ( b ), 611, and 623 ( a ) ( 5 ). XXXX XXXX XXXX accounts are similarly inconsistent, with last activity dates of XX/XX/XXXX ( Experian ), XX/XX/XXXX ( Equifax ), and XX/XX/XXXX ( TransUnion ) for balances of {$1000.00}. XXXX accounts report last activity from XXXX but are listed on Equifax as recently as XX/XX/XXXX, while XXXX XXXX XXXX XXXX has conflicting dates across all bureaus for a {$10000.00} balance. XXXX XXXX XXXX is reported on Equifax only with a last activity of XX/XX/XXXX, but missing on Experian and TransUnion, violating FCRA 605 ( c ), 623 ( a ) ( 1 ) ( A ), and FDCPA 807, 808, and 809. Additionally, XXXX  inquiries from XXXX ( XX/XX/XXXX ), XXXX  XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ) appear inaccurately, some beyond the reporting period, violating FCRA 604 ( a ), 605 ( a ), and 611. These errors have materially harmed my creditworthiness, and repeated attempts to resolve directly with the credit bureaus have failed.

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 2025-12-16 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:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I am filing a formal complaint regarding PayPals refusal to reverse an unauthorized internal transfer of {$110.00} from my PayPal Business account to a PayPal account that I did not create or authorize. 

The funds were sent to a PayPal account associated with a XXXX email address that XXXX has confirmed is spam-generated and invalid. XXXX stated that the email address does not exist and can not receive emails. Despite this, PayPal claims the XXXX address is associated with an active PayPal account. 

Although the recipient PayPal account contains my name, I did not create, control, or authorize that account, nor did I authorize it as a recipient for transfers. I immediately reported the issue and filed XXXX disputes with PayPal. All disputes were denied without PayPal providing proof that the email address was valid or that the account was properly verified. 
The tranaction was from XXXX on XX/XX/XXXX XXXX sesending to XXXX. i accidentally sent it to XXXX. XXXX says its an invalid spam generated email. It has my name but i didnot generate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : XXXX XXXX  XXXX TRIPLE CASHBACK REWARD VISA credit card was closed less than XXXX  months after activating on XX/XX/XXXX, XXXX, earning {$750.00} bonus [ which should have become redeemable on XX/XX/XXXX, XXXX ], and earning cashback, now totaling {$28.00}. 

XXXX bank disruptively closed the VISA credit card without reason [ no fraud on my behalf, no misuse on my behalf, and have made timely payments totaling {$3200.00} in order to timely earn {$750.00} EARNED banking promotion ] and that disruptive and abrupt closure, without notice nor effective communication, caused harm. US Bank is trying to steal the earned {$750.00} banking promotion, {$28.00} earned cashback from purchases, and are trying to renege on 0 % APR for 12 billing cycles. I will sue XXXX XXXX [ and have contacted the Georgia department of banking to ensure all are honored ] : ( 1. ) Apply earned {$750.00} banking promotion to current balance of {$3000.00} ( 2. ) Apply remaining earned cashback {$28.00} to current balance of {$3000.00} ( 3. ) Honor 0 % APR for 12-billing cycles, or until XX/XX/year> Please help as Georgia has XXXX banking regulatory guidelines, and laws forbid banks from reneging on EARNED PROMOTIONS, WITHOUT MONETARY CONSEQUENCES AGAINST THE BANK. I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. 

Blessed, XXXX XXXX XXXX XXXX  PHONE : XXXX EMAIL : 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 2025-12-16 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: CA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX  XXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$93.00} DEPT OF ED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I filed with XXXX which forwarded the complaint onto you. My filing of ECMO case XXXX ( acknowledged XX/XX/XXXX ) is overdue by XXXX business days ( deadline XX/XX/XXXX ). The duplicate case XXXX is due XX/XX/XXXX. They acknowledged my inquiry and filed with these case numbers, and still havent released my money. I'm filing this now to complain about them violating the XXXX business day length. They have spoken to me on the phone the day of XXXX XXXX I believe it was. These reason was because I called them. They mentioned they would have it resolved for me by XX/XX/XXXX, but that's way outside the legal time of XXXX days and there's no reason but STALLING as to why they need that long. They have over XXXX XXXX dollars of mine not including the nearly {>= $1,000,000} interest accrued from the time they started holding my money that was transferred to me from XXXX XXXX until now. I shouldn't have to wait XXXX more day for my own money to be released to me. They asked for my desire of what I wanted to happen, and I told them I want my money anyway they need to do it to make it happen as fast as possible. We are talking about MY MONEY, not including the damages they should have to pay on top of my money for the trouble they have caused me. This is not funny or a joke or something they should be allowed to do anymore. I thought by involving you guys that there would be an instant release of my money but there doesnt seem to be any motivation at all. So I am asking for someone to help me get my money well before XX/XX/XXXX. Thanks....... here is another case number I have that your portal wont even allow me to view 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 2025-12-16 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: VA

Complaint narrative:
PayPal has held my funds for over three months and has now stated they intend to hold them for up to 128 days without providing a clear, lawful justification.

I have fully complied with all verification requests. There have been no chargebacks, disputes, or policy violations on my account. Despite this, PayPal continues to withhold my money, causing financial harm. 

I am requesting immediate release of my funds or a written explanation citing the exact policy and legal basis for this extended hold. I believe this constitutes an unreasonable and unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: PA

Complaint narrative:
I am submitting this complaint as a consumer who is actively trying to repair my credit. After carefully reviewing my Experian credit report, I identified several accounts and inquiries that I believe are being reported inaccurately, inconsistently, or without proper verification. 

* * Charged-Off Accounts in Dispute ( Experian ) : * * * XXXX XXXXXXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXXXXXX XXXX XXXXXXXX XXXX Accounts # XXXX and # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Many of these accounts are reporting XXXX or small balances but are still marked as charged off, and some appear to be duplicated or inconsistent with how they are reported to other bureaus. I am requesting Experian to fully verify the accuracy, status, and reporting dates of these accounts and remove or correct any information that can not be properly validated. 

* * Inquiries in Dispute ( Experian ) : XXXX XXXX XXXX XXXX CARDS XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK ( XXXX/ XXXX XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recall authorizing all of these inquiries and am requesting Experian to verify that each was made with a valid permissible purpose. 

* * Late Payments in Dispute ( Experian ) : * * * XXXX  XXXX Account # XXXX XXXX DEPT OF ED / XXXX Multiple accounts beginning with # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX I am disputing the accuracy of the late payment reporting on these accounts and request proper verification. 

I respectfully request Experian to investigate these matters and ensure my credit report reflects only accurate, complete, and verifiable 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 2025-12-16 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 have no affiliation with these accounts and request their deletion within 15 days pursuant to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Complaint Summary Citi XXXX failed to process a timely cancellation and refund for a hotel booking despite receiving my cancellation request and medical documentation before the check-in date, and despite the hotel confirming the cancellation. I was only informed after check-in that the booking could not be canceled, causing financial loss and unnecessary stress. 

What Happened I booked a hotel stay through the Citi XXXX XXXX. Due to illness, I requested cancellation before check-in and provided supporting medical documentation. The hotel later confirmed that the reservation had been canceled. However, Citi XXXX failed to process the cancellation in a timely manner and repeatedly delayed the case. 

After multiple follow-ups over more than a week, I was ultimately informed after the check-in date that the booking could not be canceled, directly contradicting the hotels confirmation and depriving me of any opportunity to take alternative action. 

XXXX of Events XX/XX/XXXX : Contacted Citi XXXX to request cancellation due to illness. 
XX/XX/XXXX : Submitted official medical documentation confirming I tested positive and was medically unfit to travel. 
XX/XX/XXXX : Contacted the hotel directly ; the hotel confirmed the reservation had been canceled. 
XX/XX/XXXX : Followed up with Citi XXXX ; I was told the case was pending the booking partners response. 
XX/XX/XXXX : Received an email from Citi XXXX stating the booking could not be canceled. 
XX/XX/XXXX : Followed up again ; no resolution was provided. 

Why This Is a Problem The cancellation request and medical documentation were provided before the check-in date. 
Citi XXXX failed to provide a timely decision or clear communication. 
Notification that cancellation was not possible came after check-in, which eliminated any chance for alternative arrangements. 
Citi XXXX response contradicts the hotels confirmation that the reservation was canceled. 
This represents poor handling of a consumer transaction and a failure to resolve a dispute in a timely and transparent manner. 

Booking Information Booking ID : XXXX Reference ID : XXXX Hotel : XXXX XXXX XXXX XXXX Stay dates : XX/XX/year> 1214

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 2025-12-16 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: HI

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. 

Account Name : 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 has violated my rights. 
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 an 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 antedate 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 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Since XX/XX/year> or around that date my card has been under review. I have had this card for many years. I have no other credit card, its XXXX, they cant verify my account they say. All the charges on my statement are mine and my balance is paid off every month. Including this month. Every time I call they say they are sending a letter which will tell me exactly what to do. I call the number on the back of the card. Its been more than 10 business days and I have gotten nothing in the mail. I am beyond frustrated. I have a XXXX limit and was not near it. They cant tell me what has happened with my credit card account or why its under review. Undue stress this has caused me!! At least give me a reason. I feel like a criminal. And I want my XXXX XXXX  credited to my account so I can use them!

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