vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/scrub> 2025, I made a purchase on XXXX and paid through PayPal. I quickly became suspicious of the seller due to their complete lack of communication and attempted to cancel the transaction. The seller never replied to any of my messages. 

I opened a dispute through PayPal, but it was denied after the seller submitted a XXXX tracking number ( XXXX ), which allegedly showed delivery. 

To confirm the legitimacy of the tracking number, I went to a XXXX location and spoke directly with a supervisor, who checked their system and printed an official document. The document proves that : The delivery address for the tracking number is not my address, and The package weight does not match what I purchased. 

This clearly indicates that the seller used a fraudulent tracking number unrelated to my order. 

I submitted this evidence including the XXXX document to PayPal and attempted to resolve the situation on multiple occasions. In total, I reached out to PayPal and appealed the case more than four times, attaching all the relevant documentation and explanations. 

Despite these exhaustive efforts, and despite presenting clear and official proof of fraud, PayPal denied all of my disputes and has refused to provide any buyer protection or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: Lendmark Financial Services
State: NC

Complaint narrative:
Lendmark Financial put inaccurate account information on my credit reports. They created multiple accounts with the same amounts. On my XXXX  account, they listed it as a charge-off, but on my XXXX  report , it was marked as paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I went online to Capital One to make my payment of XXXX as the online portal requested. The reason the payment was {$23.00} and not {$25.00} was because on XX/XX/year> I paid {$2.00}. On XX/XX/XXXX I went to pay {$23.00} but the payment section was grayed out all that day and night confusing me, So I called the next day early to speak with a Supervisor, I explained to the Supervisor that the site stated that if I paid the {$23.00} that it would ONLY APPLY TO MY BALANCE and not my payment for the month? So she took my payment over the phone of {$23.00}. Today I received an alert from XXXX reporting that I am over {$1.00} and they DECREASED my score by XXXX. When in fact I am not over {$1.00}. The Capital One site is reporting various things that are inaccurate on my account. I am disputing this information and reporting the XXXX I spoke with today XXXX as being rude and condescending with me. I am also disputing the late fee of {$25.00} due to the conversation I had with the Supervisor on XX/XX/year> of not charging me {$25.00} for the late fee because it was grayed out and would only apply to the balance and NOT THE PAYMENT, which she agreed it was confusing. See attached screen shots.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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. 

XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am disputing multiple inaccuracies and outdated entries on my Experian credit report. These include : Duplicate tradelines from XXXX XXXX XXXX ( inflates my debt and misleads lenders ). 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have reported collections for years without verifying the debt after dispute. 
Experian continues to report Invalid date fields and missing Metro 2-required data like credit limits and high balances.

These practices violate the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ).

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 2025-07-23 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
I initially reached out for a HELOC. I never mentioned paying off any debts. My mortgage Broker and bank account executive can confirm this. The company discreetly decided to pay 5 accounts of mine including my main house mortgage by adding a paper to the closing documents which I signed in error but was never expecting it. The paper picked 5 accounts ( which I never picked ) to pay off and close. These accounts included my main property mortgage, car loan and 4 credit cards. all of which has interest rates of less than 5 %. This HELOC is for 11 %. I would have never made this decision. Once I realized these items we paid off on the XX/XX/XXXX, I reached out to the mortgage broker and advised them this was in error, which he also confirmed should not have ever taken place. Today is XX/XX/year> and I have gotten is an email form the Bank Account Executive saying it has been escalated. seems to be getting nowhere as to why I wanted to file a complaint. I have spent hours of my time to call all creditors and advise if payment can be reversed. some are offering help other are being difficult. My mortgage and car loan are the biggest priority!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
15 USC1666b- 15 USC1681i Navy Federal Credit Union . Not late on payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NY

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I have a company by the name Spring oaks capital llc, showing up on my credit report and I have no knowledge or this debt. They keep standing they a verified me without any contact from them I have no written documentation that proves this is my account under 15. U.S.c 1692 ( c ) its illegal to report false information. These companies are selling information with my knowledge or agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: LEXISNEXIS
State: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have Truist checking account ending in XXXX. Tried closing it but there is nobody available to chat. 
I don't have to time to visit the branch. 
I have already initiated transfer out of this account. 
Please close this account and send any remaining balance to the address on file.

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 2025-07-23 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: LEXISNEXIS
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Child Support Reporting  Credit Reporting Violations & Legal Penalty NotificationXXXXDear Attorney GeneralXXXXI am writing to formally report and dispute the fraudulent reporting of child support on my credit report. I did not authorize, agree to, nor have I ever been properly notified or served regarding any valid child support obligation. The entry is inaccurate and misleading, and I consider it fraudulent.XXXXAs per the Fair Credit Reporting Act (FCRA), 15 U.S. Code  1681, no information should be reported that is inaccurate, incomplete, or unverifiable. Additionally, the Fair Debt Collection Practices Act (FDCPA), 15 U.S. Code  1692, prohibits false representation of debt. Reporting child support without proper legal proceedings, court order, or due process violates these federal protections.XXXXFurthermore, reporting such information without consent and verification constitutes a violation of privacy and due process rights. Under Civil Code and Penal Code protections (including but not limited to fraud statutes under Penal Code  532), any party who knowingly reports false information may be held liable.XXXXI am also notifying that each incorrect or fraudulent item reported on my credit file can carry a penalty of XXXX per violation, in accordance with FCRA  1681n (Civil Liability for Willful Noncompliance) and  1681o (Liability for Negligent Noncompliance)XXXXI demand a full investigation into how this XXXX XXXX XXXX was generated and reported. I further demand that any such item be removed immediately from my credit report and that those responsible be held accountable under the law.XXXXIf this matter is not resolved within 30 days, I will be seeking further legal remedy and pursuing damages for defamation, credit harm, and emotional distress.XXXXThank you for your time and attention to this serious matter.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-07-23 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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Upon me checking my bank statements I noticed several transactions over the course of XX/XX/2025 that had been deducted from my account of {$1000.00} each. There were a total of six transactions total. I contacted the bank the moment I noticed the transactions had posted onto my account. From the time I filed my claim, five transactions posted and one transaction was pending. all five transactions that were posted were not honored and stated that there was no error occurred, however, the pending transaction was for the exact same amount for the same merchant and under the same type of claim that it was a fraudulent transaction and they honored this transaction. But left me hanging for the remaining 5 transactions. 

I reached out to the merchant/creditor XXXX XXXX to provide me supporting information that I did not perform these transactions. They were able to confirm that these transactions were indeed fraudulent, and I needed to speak with my bank directly to dispute the charges. I have submitted my claim for a second review once on XX/XX/2025 and XX/XX/2025. Each time I submitted a statement answering the identity theft affidavit, and sent emails from the merchant supporting the fact that these transactions were fraudulent. I was told that this investigation can take up to 90 days and we have surpassed the 90 days I have yet to receive credit for the {$5000.00} remaining From Navy Federal credit Union. 
They are not honoring the XXXX Liabilty protection on my account these transactions were never authorized and I did not even have an account with the company. This is fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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