vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
With section under 1692GA3 or 1692c, I have not received any Validation letter, never received any information with my signature or any statement with my signature, and they never showed me any proof.

The name of the collection company that they reported in the credit report is MIDLAND CREDIT MANAGEM Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MI XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: DC

Complaint narrative:
There is a fraudulent collections account from XXXX XXXX XXXX on my credit report. This is not my debt. I dont have any rental agreement with XXXX XXXX XXXX XXXX I dont have any rental collections on my credit. I am a victim of identity theft and have an Identity Theft Report and police report. See attached. Please remove these fraudulent collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Summary of the issue : I filed a PayPal Goods and Services payment dispute after being defrauded by an individual named XXXX XXXX, who presented himself as a business investor and consultant through XXXX XXXX XXXX. I paid him through PayPal under the Goods and Services option for a legitimate business service that was never delivered. Despite providing full evidence showing I received no service or refund, PayPal denied my claim, stating the transaction is not covered under the terms of PayPal Purchase Protection without explaining why. 

Details : The payment was made through PayPals Goods and Services system, which explicitly advertises buyer protection for situations where a service or product is not received. However, PayPal closed my case and refused any appeal, claiming the transaction type was not covered, even though I clearly selected the Goods and Services option. This decision leaves consumers like me vulnerable to fraud, especially when PayPal markets its platform as secure for business transactions. 

What Ive done so far : Attempted to resolve directly with the seller no response or refund was provided. 

Opened a PayPal dispute case was denied without full consideration of the evidence. 

Attempted to appeal through PayPal Messaging they stated the case can not be appealed.

PayPals denial contradicts their own published Buyer Protection policy and fails to protect users from fraudulent sellers using their platform. It also raises concern about how PayPal classifies Goods and Services transactions when a scam occurs, effectively removing the very protections customers rely on. 

Requested resolution : I am requesting that PayPal reopen and properly review my case, issue a full refund of the amount paid, and ensure XXXX XXXX / XXXX XXXX XXXX is investigated or restricted from further fraudulent activity on their platform. I also request that CFPB review PayPals handling of Goods and Services disputes to ensure consumers are not unfairly taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

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 2025-11-05 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: MI

Complaint narrative:
My credit report currently contains wrong personal information, particularly addresses that are not associated with me. I have enclosed the supporting documents to help you verify this, and I respectfully demand that these inaccurate addresses be permanently deleted from my record without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am filing this complaint because Experian / Equifax XXXX TransUnion and closed account creditors continue to report a closed account inaccurately. 

The account was closed on [ insert date ], yet it continues to show a balance and/or delinquency, which violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ( b ) ).

I have disputed this item multiple times and the furnisher has not provided verification of accuracy as required by law. The continued reporting of an inaccurate closed account constitutes willful noncompliance under 1681n, and negligent noncompliance under 1681o.

I am requesting deletion of this account from all consumer reporting agencies immediately or correction to reflect a zero balance and paid as agreed status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
Radius Global Solutions Reporting Debt Without Validation / FCRA & FDCPA Non-Compliance Radius Global Solutions is reporting an alleged debt of {$3600.00}. I requested validation. They did not provide : Proof the debt belongs to me Proof they are legally authorized to collect Accounting and itemization of charges They are in violation of : FDCPA 809 ( b ) must stop collection until validation FCRA 611 must reinvestigate disputed information Requested resolution : Provide full validation, or Delete the negative account.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: FL

Complaint narrative:
Please accept this letter as my request to investigate and remove derogatory items from my consumer report. After reviewing my file, I identified information that appears inaccurate and I dispute it. As a consumer reporting agency under 15 U.S.C. 1681a ( f ), LexisNexis is governed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which protects consumers from inaccurate, outdated, or unverifiable information in their consumer files.

The FCRA requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports ( 15 U.S.C.

1681e ( b ) ) and to conduct a reasonable reinvestigation of disputed information ( 15 U.S.C.

1681i ). In addition, consumer reports should only be provided to parties with a permissible purpose ( 15 U.S.C. 1681b ) and a copy of my file must be provided upon request ( 15 U.S.C. 1681g ).

Accordingly, I request verifiable documentary proof ( e.g., the original consumer contract or similar documentation bearing my wetink signature ) for each item listed in Exhibit A below. If such documentation can not be produced, please remove all unverified, invalid, or derogatory information from my consumer report, including any related reports such as XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
am a victim of identity theft. Someone used my personal information without my permission to open or use credit accounts in my name. These accounts are not mine, and I did not authorize them. 

I have already filed an identity theft report with the FTC ( Federal Trade Commission ) and a police report. I have also contacted the affected creditors and requested removal of fraudulent accounts and inquiries. 

I am requesting that the CFPB help ensure the credit bureaus XXXX XXXX XXXX and XXXX XXXX  correct my credit report by removing all fraudulent accounts, inquiries, and negative information related to this identity theft. 

Please assist in having my credit reports updated and verified, and ensure that lenders and credit bureaus comply with the Fair Credit Reporting Act regarding identity theft victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Please give me mercy And help me in. My loan of XXXX I dont work and I cant work because of my XXXX  XXXX and I need help please XXXX dismessed me because I was unable to come at time and got late deduction marks and failed me in clinic first time and then again when I got my XXXX  they failed me in same clinic second time. Although the professor told me that she knows people taking the clinic three times failed but she dismessed me with no mercy. Now I am in XXXX with my XXXX  and XXXX  unable to pay my loan and unable to pay my monthly payment which is very high XXXX Please help me with anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I applied for a OneMain Financial BrightWay credit card issued by XXXX on XX/XX/2025. On XX/XX/2025, I received a denial letter stating my application was denied for the reason OneMain Loan Chargeoff. 

The referenced OneMain loan was included and discharged in my bankruptcy, which was finalized on [ insert your bankruptcy discharge date ]. It is unlawful under the Bankruptcy Code ( 11 U.S.C. 524 ( a ) ) and Fair Credit Reporting Act ( 15 U.S.C. 1681 ) to use a debt that has been discharged in bankruptcy as a reason to deny new credit or to continue reporting it as a charge-off.

By citing this discharged debt as the reason for denial, OneMain Financial and/or XXXX appear to have taken adverse action based on information that should no longer be considered or reported as active debt. 

I am requesting that this issue be investigated and that the lender be instructed not to use discharged debts as a basis for credit denial. Additionally, I request that my credit reports be reviewed to ensure the OneMain account is correctly reflected as included in bankruptcy rather than charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are multiple inaccuracies on my credit report that I disputed with the credit bureaus. They include incorrect personal information ( old addresses and employer ), unauthorized hard inquiries, and inaccurate reporting on a XXXX charge-off account. I asked the bureaus to verify and correct this information, but they have not resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am a victim of identity theft. Someone used my personal information without my permission to open or use credit accounts in my name. These accounts are not mine, and I did not authorize them. 

I have already filed an identity theft report with the FTC ( Federal Trade Commission ) and a police report. I have also contacted the affected creditors and requested removal of fraudulent accounts and inquiries. 

I am requesting that the CFPB help ensure the credit bureaus XXXX XXXX XXXX and XXXX XXXX  correct my credit report by removing all fraudulent accounts, inquiries, and negative information related to this identity theft. 

Please assist in having my credit reports updated and verified, and ensure that lenders and credit bureaus comply with the Fair Credit Reporting Act regarding identity theft victims.

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 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have ask for proof of debt validation and have not received anything.

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 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
It's been a few years but I put some money in my account I'll remember exactly how much and some reason I couldn't get back in my account and then was deleted so I made another account and I contacted them and they said I'd have to log in on that account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: NJ

Complaint narrative:
I am a New Jersey resident disputing a high-cost installment loan from Opportunity Financial , LLC ( OppLoans ). My {$4000.00} loan carries an APR of ~160 %, well above the 30 % criminal usury cap set by N.J.S.A. 2C:21-19. My balance has ballooned to more than {$7000.00} after job loss. 

Compounding this financial hardship, I am undergoing treatment for XXXX  and have permanently lost about 30 % of my XXXX  in my XXXX  XXXX. This XXXX has significantly impacted my earning capacity and financial situation. Despite informing the lender of my medical and employment circumstances, I have not received meaningful assistance. 

I request that the Department investigate the loans legality under New Jerseys usury laws, examine whether a rent-a-bank scheme is being used to evade state caps, and order appropriate relief including voiding unlawful interest, recalculating the balance, and requiring accommodations for my medical hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XX/XX/XXXX -- {$19000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$8000.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX CARD # XXXX XX/XX/XXXX -- {$3500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX. ) # XXXX XX/XX/XXXX -- {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX while at work i received a notififrom my bank alerting me of transaction declined i checked my bank account online and seen that i was negative and that someone was using my card via apple pay to make purchases without my permission, called the bank they closed the card and assigned a new one they said it wa an apple issue, contacted apple and they said it was a bank issue, i let the bank know that when i received the confirmation email two other phone numbers showed under my account that didnt belong to me they mentioned they couldnt see them as i was getting assigned a new digital card those 2 other number listed where also gettinf acces to my new card. It was until i went inside the branch in XXXX XXXX that the lady was able to see the other 2 numbers under my account and was able to removed them. I disputed the claim as fraud was given provisional credit 2 months later i get a credit reversal called the bank and they said upon checking they didnt detect fraud. I am in the socal purchases where made up north all while i was at work in XXXX XXXX ca. The fraud investigator mentioned there was nothing they could do that i should contact a small claim court lawyer or file a police 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 non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On Saturday XX/XX/year> I had to call Chime bank to ask about an atm charge. A random charge has happened already with the bank, they made an internal mistake, and I had it fixed while talking to one agent in a matter of minutes. Since this seemed like the same thing, I called to resolve the issue again. I gave the same information as I had in the previous problem and this time I was told I have to file for fraud and to give the go ahead to cancel the card. I immediately responded no. I told them its Saturday and I will not have any access to funds since it could take weeks for the new cars to arrive and Im not reporting fraud. The agent didnt give me any other options so I said goodbye and called back to speak to another agent. This agent told me that the problem would be handled and I would receive confirmation when it was resolved. This is the same thing the other agent told me when my previous issue was resolved. I then found out minutes later that they canceled my card and filed for fraud anyway. Only to receive another email hours later saying that it was an internal mistake and the funds have been replaced. I also received another email hour later about my new card being processed. Its is now Tuesday XX/XX/XXXX. I tried to use the virtual card available but was denied access to my funds due to an invalid pin. Once again Im on the phone with chime. The AI assistant does everything possible not to connect you to an agent. I somehow got past that and asked the agent what was going on. This agent was helpful and told me that I would have to use the card as credit. Ok no problem I said. I tried to use my card at an establishment but the credit line was down and I moved on from that spot. I called once more to ask if I could use the atm with the virtual card available while my new card was in transit. Its a no. So I then asked to file a complaint with the department that canceled my card. I was hung up on the first try. Then again the second time. Im now talking to the 6th person after being transferred and asked multiple times why I was calling. Im now being told that I have to go to an email ( that I never received ) and file a complaint by giving a bad score and going into the complaint section.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
Chex Systems Inc. ( XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ) has been reporting negatively on my credit for over 11 years. this a violation of The FCRA requires credit reporting agencies to use reasonable procedures to ensure the information they provide is accurate, fair, and relevant. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner I am requesting that information be removed from Chex System Inc. immediately.

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 2025-11-05 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: NC

Complaint narrative:
XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ) has been reporting negatively on my credit for over 11 years. this a violation of The FCRA requires credit reporting agencies to use reasonable procedures to ensure the information they provide is accurate, fair, and relevant. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner I am requesting that information be removed from XXXX  XXXX XXXX immediately.

Company response to consumer: Closed with explanation