vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/2025, I purchased a XXXX XXXX  on XXXX from an XXXX XXXX XXXX XXXX XXXX and paid {$520.00} through PayPal. The seller provided a tracking number through a third-party tracking site ( XXXX ), which later showed as delivered, but I never received the item. 

I contacted the seller multiple times to request proof of delivery, but they stopped responding. I then opened a dispute with PayPal for the item not being received. PayPal denied my claim twice, stating that the seller provided tracking marked as delivered. 

I personally went to my local XXXX XXXX XXXX with the tracking number PayPal relied on. The post office confirmed that the tracking number does not exist in their system and does not belong to XXXX. I also independently checked XXXX and XXXX websites, and neither carrier recognizes this tracking number. This confirms the tracking is invalid and not tied to any legitimate U.S. carrier. 

Despite being informed that the tracking is unverifiable and not from any recognized carrier, PayPal refused to require proof of delivery, such as signature confirmation, delivery address verification, or direct carrier confirmation. PayPal closed my case in the sellers favor solely based on the same invalid tracking information. 

I also contacted XXXX. XXXX stated that my purchase was not covered under their Money Back Guarantee and instructed me to work directly with the seller, who is no longer responding. 

This appears to be a known international scam pattern involving false or aggregated tracking services where delivery is falsely marked without actual shipment. I found multiple public reports from other consumers describing identical issues with this type of tracking. 

Because PayPal refused to reverse the transaction despite clear evidence of non-delivery and false tracking, I was forced to open a dispute with my credit card issuer ( XXXX ), which is currently under investigation. 

I am requesting CFPB assistance to require PayPal to conduct a proper manual fraud review and to refund the {$520.00} that was taken from me in this fraudulent transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 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 non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A double charge happened from XXXX XXXX in the amount of {$130.00} on XX/XX/year>. 

I received a text message from Capital One on XX/XX/XXXX stating there was a duplicate charge and that it would be removed due to an error. I realized that the charge was never removed. I contacted the XXXX XXXX and the Manager only located one receipt confirming I only had one charge. The Manager stated since the transaction occurred in XXXX to dispute with the bank. 

I contacted Capital Once to resolve. I provided all documents and statements as they requested ( Bank Statements, written statements, and a text message from the Merchant ). 

Capital Once acknowledged there was a duplicate charge but refused to reverse the transaction stating it is outside of the window to credit the account. I have explained that it is not a duplicate transaction but an error as I should have only been charged once for the service rendered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a complaint against Equifax stating that Equifax is continuing to allow inaccurate information on the XXXX XXXX XXXX XXXX account to report on my Equifax credit report even after providing evidence that the information is incorrect. Equifax opened an investigation from that complaint and on XX/XX/year> Equifax 's investigation into the matter concluded ( Confirmation # XXXX ) with Equifax 's results being : " We have verified that this item belongs to you. This account has been updated. '' First, I did not state the account wasn't mine. Second, none of the inaccurate information was updated. Equifax is not conducting proper investigations. I have attached the Confirmation # XXXX letter Equifax mailed me and my Experian credit report showing how the XXXX XXXX XXXX XXXX account is reporting to this complaint. Equifax, update the XXXX XXXX  XXXX XXXX account to be accurate, consistent, and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: VA

Complaint narrative:
Describe Your Complaint : I am submitting this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 605A, 605B, 607 ( b ), 609 ( a ), 611 ). I have identified the following issues across my credit reports with TransUnion, Experian, and XXXX  : Cross-Bureau Inconsistencies Accounts show conflicting statuses, balances, payment history, and account types across the three bureaus.

Improper Reinsertions Previously deleted items have reappeared without proper certification from furnishers and without the required 5-day written notice.

Late-Payment / Status Inconsistencies Accounts have late markers or charged-off status that conflicts with reported payment history or ledger documentation.

Identity Theft / Mixed-File Accounts Accounts and inquiries appear that do not belong to me. Supporting FTC identity-theft report has been filed. 

Failure to Provide Method of Verification ( MOV ) Furnishers have not provided proper documentation to verify the accuracy of reported accounts, late payments, or reinsertion compliance.

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 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was involved in an XXXX  on XX/XX/year>. I was XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The XXXX  is under loan at Synchrony bank. I filed a claim with my insurance for damages to the motorcycle. I was cut a check of {$4500.00} for repairs to it by my insurance. The check was made out to both me and Synchrony Bank, meaning I had to get them to endorse it to use the funds. I sent the check, an insurance invoice for the check, and a note that provided additional information to Synchrony Bank. With the note, I stated that I specifically did not want them to apply the check towards my loan balance, and that I was requesting them to endorse it and send it back to me. I also did not endorse the check myself. I mailed all that on XX/XX/year>. Through the USPS tracking system, I saw it was delivered on XX/XX/year>. A few weeks went by and I did not hear or receive anything so decided to call. I called Synchrony Bank on XX/XX/year>. I was told the insurance money was applied to my loan balance. They transferred me to a different department, where I explained my story to them. They put me on hold and afterwards let me know they did not have an answer for me at that moment, but would reach out again. Nearly XXXX weeks went by, and I decided to call again on XX/XX/year>. I spoke with XXXX. She let me know that she will be letting her manager know about my situation so that it can hopefully be resolved, and that she would email me about an update. I was also asked to send proof of the repair estimates from my insurance company, which I sent to them that day. 4 days later on XX/XX/XXXX, she let me know there was no specific update, however they did receive my repair estimate and that a ticket will have to be opened so that I can get the funds sent to me. She ended the email saying that she would reach out in a few days to let me know how the process is going. I never received any follow up email. A few weeks later, on XX/XX/XXXX, I reached out to XXXX again via email to see if there was an update. She responded the same day saying she reached out for an update and will send one the moment she gets a response. Another few weeks went by and I still did not hear anything. On XX/XX/XXXX, I emailed XXXX again to see if there was any update regarding my situation, and that if there is not, I will most likely be filing a complaint with the CFPB. I received no update so far, so I decided to go ahead with the complaint. As of today XX/XX/XXXX, it still shows the insurance amount applied to my loan and I have recieved no refund. Synchrony Bank has acknowledged that the funds were misapplied, but after several weeks and multiple follow-ups, they have not corrected the error.

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 2025-12-04 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: PA

Complaint narrative:
I am submitting this complaint regarding inaccurate information appearing on my credit reports from Experian, Equifax, and TransUnion. All three reports incorrectly list my address, with Experian reporting an address I no longer reside at ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), Equifax reporting an incorrect address ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and TransUnion listing another outdated address ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Additionally, all three bureaus report a collection account from XXXX XXXX ( Original Creditor : XXXX XXXX, Account # XXXX ) with a balance of {$0.00}, which I believe is inaccurate, obsolete, and may include incorrect dates of first delinquency. I am also disputing several inquiries that appear without my authorization : Experian shows inquiries from XXXX XXXX XXXX XXXX ( XX/XX/year> ) and XXXX ( XX/XX/year> ) ; Equifax shows an inquiry from XXXX ( XX/XX/year> ) ; and TransUnion shows inquiries from XXXX XXXX ( XX/XX/year> and XX/XX/year> ). Under the Fair Credit Reporting Act ( FCRA 604, 605, 611, 623 ), I am entitled to accurate reporting, verification of account information, permissible purposes for inquiries, and the removal of obsolete information. I request that each bureau investigate and correct or remove the inaccurate addresses, collection account, and unauthorized inquiries from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: PA

Complaint narrative:
I am submitting this complaint regarding inaccurate information appearing on my credit reports from Experian, Equifax, and TransUnion. All three reports incorrectly list my address, with Experian reporting an address I no longer reside at ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), Equifax reporting an incorrect address ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and TransUnion listing another outdated address ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Additionally, all three bureaus report a collection account from XXXX XXXX ( Original Creditor : XXXX XXXX, Account # XXXX ) with a balance of {$0.00}, which I believe is inaccurate, obsolete, and may include incorrect dates of first delinquency. I am also disputing several inquiries that appear without my authorization : Experian shows inquiries from XXXX XXXX XXXX XXXX ( XX/XX/year> ) and XXXX ( XX/XX/year> ) ; Equifax shows an inquiry from XXXX ( XX/XX/year> ) ; and TransUnion shows inquiries from XXXX XXXX ( XX/XX/year> and XX/XX/year> ). Under the Fair Credit Reporting Act ( FCRA 604, 605, 611, 623 ), I am entitled to accurate reporting, verification of account information, permissible purposes for inquiries, and the removal of obsolete information. I request that each bureau investigate and correct or remove the inaccurate addresses, collection account, and unauthorized inquiries from my credit 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 non-monetary relief
Consumer complaint received 2025-12-04 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: DISCOVER BANK
State: PA

Complaint narrative:
XXXX writing you again regarding an unresolved dispute I submitted about inaccurate late payment ( XXXX ) being reported on my credit file. Since you failed to correct or remove the account despite clear legal grounds, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before taking further legal steps. 
Account XXXX in Dispute : 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX Account Number : XXXX 5. XXXX XXXX  XXXX Account Number : XXXX 6. XXXX Account Number : XXXX 7. 
Account Number : XXXX 8. XXXX XXXX XXXX Account Number : XXXX 9. XXXX XXXX XXXX Account Number : XXXX 10. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received a {$50.00} prepaid AMEX gift card from my company as part of gift for the holiday. The card expires in XX/XX/XXXX. However, when I tried to activate, the customer service told me that there's an issue with the card. Since the card was issued in XXXX and has not been claimed, it has been sent to the State 'Unclaimed Property ' department and can not be recovered. They can not do anything about it and can only be 'sorry ' that the funds can not be used. The card is within expiration date and should be valid and available for use. This is very disheartening that AMEX would sell these cards that expire secretly without disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights. 
This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance.

Violations of Federal Law and Consumer Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted.

15 U.S.C. 1681c2 Block of Information Resulting from Identity Theft You are required to block fraudulent information within 4 business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries makes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to persist and knowingly hurt my financial reputation.

15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them. 
Fraudulent Accounts and Inquiries ( Previously Disputed ) : 1. XXXX XXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX XXXX XXXX  XXXX Account Number : XXXX 4. XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
DESPITE MY PRIOR DISPUTES AND FORMAL NOTICE, THE REPORTING AGENCY FAILED TO CONDUCT A LAWFUL REINVESTIGATION AS REQUIRED UNDER 15 U.S.C. 1681I OF THE FAIR CREDIT REPORTING ACT ( FCRA ). THE AGENCY WAS EXPLICITLY NOTIFIED OF INACCURACIES AND PROVIDED SUFFICIENT DETAIL TO TRIGGER A DUTY OF REASONABLE INVESTIGATION. HOWEVER, THEIR RESPONSE CLEARLY SHOWS NONCOMPLIANCE : NO VERIFIABLE EVIDENCE, DOCUMENTATION, OR CERTIFICATION OF DATA ACCURACY WAS EVER PRODUCED. INSTEAD, THE SAME ERRONEOUS INFORMATION CONTINUES TO BE REPORTED A DIRECT VIOLATION OF FEDERAL LAW. 

BY LAW, CONSUMER REPORTING AGENCIES MUST : 1. CONDUCT A REASONABLE REINVESTIGATION WITHIN THE STATUTORY TIME FRAME, 2. DELETE OR CORRECT ANY UNVERIFIABLE OR INACCURATE INFORMATION, AND 3. PROVIDE WRITTEN VERIFICATION OF THEIR FINDINGS AND THE SOURCES RELIED UPON. 

NONE OF THESE REQUIREMENTS WERE MET. THEIR INVESTIGATION WAS CONCLUSORY, UNSUPPORTED BY PRIMARY EVIDENCE, AND FAILED TO PROVIDE ANY PROOF OF VERIFICATION OR CHAIN OF CUSTODY OF THE DATA IN QUESTION. THIS CONSTITUTES BOTH PROCEDURAL NEGLIGENCE AND WILLFUL DISREGARD OF FEDERAL OBLIGATIONS. 

ADDITIONALLY, UNDER 15 U.S.C. 1681E ( B ), THE AGENCY HAS A CONTINUING DUTY TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION IT REPORTS. RETAINING OR RE-REPORTING UNVERIFIABLE DATA BREACHES THIS DUTY AND CAUSES TANGIBLE CONSUMER HARM, REPUTATIONAL DAMAGE, AND DENIAL OF FAIR CREDIT OPPORTUNITIES. 

THEIR FAILURE TO ACT LAWFULLY AFTER NOTICE TRANSFORMS THIS MATTER FROM SIMPLE NEGLIGENCE INTO RECKLESS NONCOMPLIANCE AND BAD FAITH CONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an items on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt.I continue to dispute the validity of the amount reported, as well as the ownership of the accounts. I am formally requesting that a thorough investigation be conducted. If the accounts can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the items be removed from my credit file in accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8500.00} Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$160.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MI

Complaint narrative:
b'To Whom It May Concern,\nI am writing to formally dispute and demand the immediate removal of the\nfollowing fraudulent accounts and inquiries from my credit report due to identity\ntheft. These accounts were opened without my consent, and I am invoking my rights\nunder the Fair Credit Reporting Act (FCRA) to have these items promptly removed.\nI am also writing to formally notify you that I am a victim of identity theft and request the\nimmediate blocking and deletion of all fraudulent accounts or information related to the\nidentity theft, as authorized by 15 U.S.C.  1681c-2(a). I became aware of the breach of\nmy personal information through the XXXX  data breach, which has exposed my\nsensitive data to unauthorized individuals.\nThe following fraudulent accounts and inquiries have been identified as a result of this\nbreach:  Collections\XXXX   $XXXX   XXXXXXXX  $XXXX      XXXX    $XXXX   XXXX   $XXXX XXXX XXXX  $XXXXXXXX XXXX   $XXXX    XXXX   $XXXX   XXXX XXXX XXXX  $XXXX   4/08/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