vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
Funds Withheld by PayPal After Buyer Canceled Chargeback with XXXX  To Whom It May Concern, I am filing this complaint regarding a transaction involving both XXXX XXXX  and PayPal, where I, as a PayPal seller, have been unfairly denied access to {$600.00} for a legitimate service I provided. 

Summary of the Issue : I sold a service to a customer using PayPal for {$600.00} on XX/XX/year> The buyer XXXX XXXX accidentally filed a chargeback with her financial institution, XXXX Bank on XX/XX/year>. After realizing the mistake, she contacted XXXX and successfully canceled the chargeback on XX/XX/year>. XXXX confirmed to her that the dispute was resolved and would REBILL her. 

Chargeback Details : Cardholder Name : XXXX XXXX Last XXXX Digits of Card : XXXX original transaction Date : XX/XX/year> Chargeback Amount : {$600.00} Merchant : Myself ( XXXX ) Paypal Merchant Service Provided : Consultation Marketing service However, more than 60 days have passed, and PayPal still has not released the {$600.00} to me, stating they are waiting for a response from XXXX. I have already provided PayPal with screenshots and confirmation from the buyer that the chargeback was canceled. This issue appears to stem from a breakdown in communication between PayPal and XXXX. I have no way to independently verify whether XXXX has communicated the cancellation to PayPal, and PayPal refuses to release the funds without that confirmation. 

What I Am Requesting : That XXXX XXXX  confirms in writing that the chargeback was canceled and notifies PayPal or their processor accordingly.That PayPal processes the release of the {$610.00} ( {$600.00} dispute and {$15.00} dispute charge ) held from me and closes the case in my favor. 

I am attaching supporting documentation, including : Buyers statement acknowledging the chargeback was an error Screenshots and PayPal case ID Timeline of communications with both parties I am asking the CFPB to help ensure that both financial institutions cooperate to resolve this matter quickly, and that I receive the {$600.00} that is rightfully mine for a service I delivered. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been in several breaches in addition identity theft. This is not fair my information should be kept private and protected. And due to not knowing who has my information I just discovered that they have been using my information for a long time. The credit bureaus should not neglect this at all considering the FCRA law. Please remove and block these damages so I can buy a home for my family

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 2025-07-12 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied for the Chase XXXX XXXX XXXX card and was only approved after I proactively called several days later. My approval date was XX/XX/XXXX. However, Chase stated the 3-month spending window would end on XX/XX/XXXX, without granting any grace period for card delivery timedespite the card arriving a full week after approval. 

Additionally, there was no online tracker provided for monitoring progress toward the spending requirement. The only way to check was by calling Chase, but I was traveling internationally and did not have access to international calls. This lack of transparency and accessibility significantly hindered my ability to meet the spending requirement in time. 

When I contacted customer service, they were unable to provide any explanation or offer any solution. The overall experience felt intentionally opaque and unaccommodating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: NY

Complaint narrative:
Sometime in XXXX my account just suddenly goes on suspension and upgrade bank has been holding onto my funds for almost XXXX  months. They have not given me any answers or anything whatsoever they promised me that the beginning of XXXX I should be able to access my account and release my funds. My funds have still been on hold and the account is still suspended and Ive been delayed on all my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had an account with XXXX XXXX  that I was told I owed XXXX $ for a fee but ended up owing them over XXXX $ after I withdrew all the money from the account and tried to close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-12 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: Block, Inc.
State: FL

Complaint narrative:
As of XX/XX/year>, my account is still suspended with Cash App. Two transactions between my wife and I in the amount of {$600.00} on XX/XX/XXXX and {$64.00} on XX/XX/XXXX hasnt been returned or resolved. The amount for {$64.00} is still pending and the {$600.00} was deducted from my wifes checking account but Im unable to withdraw the {$600.00} payment to my account. This has resulted in payment responsibilities including mortgage and credit card payment to be late. Several attempts via customer support and email have been made to resolve this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/year>, I was scammed by someone impersonating my uncle. The person texted me from the number ( XXXX ) XXXX and used personal language to convince me it was a real family member. They claimed they needed help with a bill and asked me to send {$120.00} using Chimes Pay Anyone feature. 

I believed the person and sent the money via Chime. I later confirmed with my real uncle that he did not send the messages. This was a scam involving impersonation and deception I was manipulated under false pretenses. 

I immediately contacted Chime and provided screenshots of the full conversation as proof. However, they told me the transaction was final and refused to refund the {$120.00}, despite this being a clear case of social engineering fraud. 

I am requesting that Chime re-evaluate this case, escalate it to their fraud team, and issue a refund or provisional credit while it is investigated. I am also requesting that the CFPB review this case to ensure Chime is handling fraud reports properly, even when the Pay Anyone feature is used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
Unable to get 90 day late removed as account balance is current.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, Illinois XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX -- - Statement : I, XXXX XXXX, declare under penalty of perjury that I am a victim of human XXXX  as defined under the XXXX  Victims Protection Act of XXXX and/or applicable state law. As a result, of being trafficked, several financial accounts and obligations were fraudulently established in my name without my knowledge, consent, or control. 
The following accounts currently appearing on my credit report are a direct result of my XXXX  experience : -- - XXXX. XXXX XXXX  - Original Creditor : XXXX XXXX XXXX XXXX  XXXX. 
- Account Number ( last digits ) : XXXX - Account Type : Open Account - Date Opened : XX/XX/XXXX - Balance : {$920.00} - Status Updated : XX/XX/XXXX - Dispute Noted : Yes Page XXXX Identity Theft / Human Trafficking Statement -- - XXXX. XXXX XXXX  - Account Number ( last digits ) : XXXX - Account Type : Installment Account - Date Opened : XX/XX/XXXX - Balance : {$14000.00} - Original Balance : {$15000.00} - Status : Charged off as bad debt - Closed Date : Unknown - Last Payment Date : XX/XX/XXXX - Status Updated : XX/XX/XXXX -- - XXXX. XXXX - Original Creditor : XXXX XXXX XXXX - Account Number ( last digits ) : XXXX - Account Type : Open Account - Date Opened : XX/XX/XXXX - Balance : {$2400.00} - Status Updated : XX/XX/XXXX -- - XXXX. XXXX XXXX - Original Creditor : XXXX XXXX XXXX/ The XXXX XXXX XXXX Identity Theft / Human Trafficking Statement - Account Number ( last digits ) : XXXX - Account Type : Open Account - Date Opened : XX/XX/XXXX - Balance : {$4500.00} - Status Updated : XX/XX/XXXX -- - These accounts were created or used without my voluntary participation or awareness while I was under coercion and trafficking-related control. Their presence on my credit report is harmful and unjust, further victimizing me as I rebuild my life. 
Under Section 605C of the Fair Credit Reporting Act, I respectfully request the permanent blocking and removal of these accounts from all consumer reporting agency files. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
I have been in several breaches in addition identity theft. This is not fair my information should be kept private and protected. And due to not knowing who has my information I just discovered that they have been using my information for a long time. The credit bureaus should not neglect this at all considering the FCRA law. Please remove and block these damages so I can buy a home for my family

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 2025-07-12 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: GA

Complaint narrative:
I have been in several breaches in addition identity theft. This is not fair my information should be kept private and protected. And due to not knowing who has my information I just discovered that they have been using my information for a long time. The credit bureaus should not neglect this at all considering the FCRA law. Please remove and block these damages so I can buy a home for my family

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I have complained about the derogatory remarks that is added to XXXX credit report about Eastern Account System that is representing XXXX and the collection is still on my credit. I have asked the above collection to send me all the monthly bills stating what I owed and no response for over two months now. Ive not received any correspondence from this collection agency, all I see is the collection added to my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to formally file a complaint against Capital One Bank regarding a mishandled dispute related to a fraudulent XXXX transaction. On XX/XX/year>, I sent a XXXX payment of {$190.00} to a XXXX for services that were never rendered. When it became clear that the individual had no intention of completing the work, I contacted Capital One in XXXX XXXX to initiate a fraud dispute, as I had not received the services I paid for. Despite filing this dispute, I never received any communication from Capital Oneno phone calls, no emails, and no lettersregarding the outcome. Concerned about the status, I called Capital One again today, XX/XX/year>, and spoke to a representative named XXXX ( IXXXX XXXX XXXXXXXX ). I explained the situation and requested to speak with a supervisor due to the lack of transparency and resolution. XXXX placed me on hold for over XXXX minutes, claiming that my case had been closed on XX/XX/year>, without offering any details or a clear reason. I also asked XXXX to send an email documenting our conversation to the address on file, and this was never done. Eventually, I was connected with a supervisor named XXXX ( XXXX XXXX XXXXXXXX ), who unfortunately was also unhelpful and dismissive. He failed to offer any meaningful resolution, explanation, or support. I felt that my concerns were brushed off and that Capital One has taken no responsibility in assisting me, a customer who has been defrauded.As a result, I feel abandoned and victimized, not only by the individual who scammed me but also by my own bank, which I expected to protect me and act in good faith. I am seeking intervention from the CFPB to hold Capital One accountable for : Failing to notify me of the dispute outcome. 
Closing the dispute without my knowledge or input. 

Providing poor customer service and lack of escalation or follow-up. 

Not documenting conversations as requested. 

Denying any recourse after clear fraud occurred. 

I respectfully request a formal review of this incident, and I ask that Capital One reopen the dispute, reinvestigate the matter, and issue a refund of the {$190.00} if the fraud is confirmed, which I believe it clearly is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: NM

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2025-07-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Range View Management LLC
State: TX

Complaint narrative:
I enrolled with Lendvia ( thats affiliated with XXXX XXXX and XXXX XXXX ) starting XX/XX/year> to receive debt consolidation services. I paid two ACH debits, {$520.00} each, in XXXX. On XX/XX/year>, I sent a certified letter and email to cancel the service for cause per contract ( breach of Section 4 and 8 ) ( letter attached ). After cancellation, they continued to attempt charges and harassed me via : prohibited phone calls, texts, and voicemail using numbers I explicitly forbade, and using their counterpart, XXXX XXXX, to harass and intimidate ( calls, emails, and texts attached ). 
They misrepresented communications ( recently spoke ) ( attached ), falsely claimed bankruptcy proceedings ( attached ), failed to deliver promised services, and honor my cancellation. XXXX terms require * full refund * if canceled for cause within 3 monthsyet I received only a * partial check * of {$910.00} and continued harassing phone calls ( attached ). 
Lendvia and all their counterparts are in violation of a myriad of legal statutes that uphold the law to protect consumers from organizations like them : 1. FRAUD & DECEPTION Texas Deceptive Trade Practices Act ( DTPA ) 17.46 - * False promises * ( lied about debt relief services ).

- * Fraudulent billing * ( charged for no services ).

- * * Penalty : * * * * 3x damages + attorney fees * *.

Federal Trade Commission Act 5 - * Unfair/deceptive practices * ( scamming consumers ).

2. ILLEGAL DEBT RELIEF SCHEME Telemarketing Sales Rule ( TSR ) 16 CFR 310 - * Demanding upfront fees * before settling debts.

- * Misrepresenting services * Credit Repair Organizations Act ( CROA ) 15 U.S.C. 1679 - * False credit repair claims * 3. HARASSMENT & CALL VIOLATIONS TCPA ( 47 U.S.C. 227 ) - * Calls to revoked numbers * ( {$500.00} {$1500.00} per call ).

Texas Debt Collection Act ( TDCA ) 392 - * Harassment * ( calling after termination notice ).

4. BREACH OF CONTRACT Texas Business & Commerce Code 2 - * Ignoring cancellation * ( XX/XX/XXXX letter ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXXXXXX I'm unaware of this dispute and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " certified mail '' with a receipt displaying my signature. If not, please delete the account # XXXX soon as possible from my report or I will take legal action.

Company response to consumer: Closed with explanation