vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Introduction and Core Issue : PayPal is attempting to collect an alleged debt of {$480.00} and a secondary debt of {$36.00} ( Transaction IDs : XXXX and XXXX ). I dispute this debt entirely. This situation originated from a technical billing error on XX/XX/XXXX via XXXX, where PayPal 's advertised " Pay Later '' installment plan failed, resulting in an unauthorized upfront charge of the full amount, which was never the intended transaction.

Initial Error : The full purchase price was charged to my bank account, contrary to the advertised installment plan.

Bank Intervention : My financial institution, XXXX XXXX, initiated a dispute and eventually issued a permanent reversal for the full {$480.00} charge and the secondary {$36.00} charge. 

Refunding Error : Furthermore, the {$36.00} ( insurance fee ) was already refunded by the merchant, XXXX XXXX ( XXXX ). PayPal initially processed this refund, but is now incorrectly re-asserting this specific amount as an outstanding debt, demonstrating a critical failure in internal accounting. 

PayPal 's Systemic Failures : Despite repeated attempts to resolve this issue through PayPal 's internal platform, I encountered the following systemic failures : 1. The dispute filing system would not allow me to file a claim regarding the billing error or unauthorized full charge.

2. A case was opened regarding the unauthorized nature of the transaction amounts ( Case ID : XXXX ) and was instantly closed within minutes, indicating a lack of careful review or due process. 
Note : Attempts to capture evidence via screenshot were blocked by the PayPal mobile application, so I have been once again inconvenienced and hindered by PayPal. 

Prior CFPB Filing : I have previously filed a complaint with the CFPB against my bank, XXXX XXXX, regarding their initial handling of this dispute ( CFPB Complaint ID : XXXX ). The bank has since permanently resolved the issue in my favor via the reversal.

Demand for Resolution : I assert that PayPal is legally obligated to respect the final and permanent reversal issued by my bank. I demand the following corrective action : 1. Immediate and permanent zeroing out of the alleged {$480.00} and {$36.00} balances from my PayPal account.

2. Immediate cessation of all debt collection activity concerning these amounts, including email communications and any attempts at debiting linked accounts.

3. Confirmation that this matter is closed and no adverse action ( e.g., account restriction or credit reporting ) will result from this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: NH

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  XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CO

Complaint narrative:
I am not affiliated with these accounts and request that they be taken off my report within 15 days under 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 non-monetary relief
Consumer complaint received 2025-11-13 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates for repeatedly reporting and verifying a disputed collection account without providing proper validation or documentation. I have disputed this account multiple times with the credit bureaus ( XXXXXXXX XXXX on XX/XX/XXXX and XXXX  on XX/XX/XXXX, XX/XX/XXXX ) under the Fair Credit Reporting Act ( FCRA ), but Portfolio Recovery continues to report it as valid with Dispute resolved consumer disagrees remarks. They have not provided any proof of the original signed agreement, breakdown of the balance, or evidence that they have the legal right to collect.

This violates my rights under the FCRA ( 15 U.S.C. 1681s-2 ( b ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), which require accurate reporting and proper validation upon request.

Attached are screenshots of my disputes, the current credit report remarks, and any related correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-13 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: AZ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXXregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 

Thank you for your prompt attention to this serious matter.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXXregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 

Thank you for your prompt attention to this serious matter.

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 2025-11-13 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: LA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Around XXXX 2024, I received a phone call from someone claiming to be a lender who began asking for sensitive information. I immediately became suspicious. While the scammer was still on the phone, I called XXXX customer service line and told the representative that a supposed lender was asking for personal information and that I did not feel comfortable. 

I asked the Chase representative to stay on the line, listen, and intervene if anything sounded fraudulent. The Chase representative remained on the recorded call, listened to the lender, and told him directly that this was NOT how lenders operate and that he was committing fraud. The Chase representative then ended the call after confirming the activity was fraudulent. 

Despite Chase witnessing the fraud attempt in real time and acknowledging it on a recorded line, my account was still tampered with afterward. This resulted in an unauthorized negative balance and account disruption. Chase did not follow required fraud procedures under Regulation XXXX, did not provide proper protections, and did not restore my account even though I reported the fraud immediately and Chase confirmed it. 

This situation caused financial harm and operational issues for me. I am requesting that the negative balance and related fees be reversed, my account restored, and confirmation that no negative reporting was sent to XXXX  or credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously filed a complaint because my Equifax credit report shows multiple hard queries made without my authorization or any permitted purpose, violating the Fair Credit Reporting Act ( FCRA ) 604 ( a ). Equifax 's response was a generic letter that did not include any documentation or verification. They did not conduct a reasonable investigation as required by 611 ( a ) and did not provide evidence of the purpose permitted under 609 ( a ) ( 1 ). 

Disputed inquiries include : 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Received letter stating XXXX XXXX XXXX XXXX. 
Has filed a lawsuit for collection of debt. 
Attemting to XXXX wages or XXXX on bank accounts. 
This is an XXXX account. 
XXXX XXXX XXXX XXXX is a chargeoff credit buyer. ( Purchased Debt ) Also thse account was showed as being active for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
The term " investigate consumer report * means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

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 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I used a debit card to add funds to my Coinbase debit card with {$96.00}. I used a debit card to avoid the bank ACH holds. I had access to the funds for only a few days before it went on hold. for the past 5 days my funds of {$77.00} have been held and I asked the company for answers and a date I was told the XXXX. it is now the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-13 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: LEXISNEXIS
State: MO

Complaint narrative:
XXXX XXXX XXXX : XXXX To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Formal Fraud Dispute & Request for Reinvestigation Under 15 U.S.C. 1681i & 1681c-2 SSN ( Last 4 ) XXXX To Whom It May Concern, I, XXXX XXXX, am formally disputing two fraudulent accounts that appear on my Experian credit report. These accounts were not opened or authorized by me, and I am invoking my rights under the Fair Credit Reporting Act, including 15 U.S.C. 1681i ( reinvestigation of disputed information ) and 15 U.S.C. 1681c-2 ( blocking of information resulting from identity theft ). 

These accounts are inaccurate, fraudulent, and must be removed unless the furnisher can fully verify my identity, authorization, and responsibility for the accounts.1. XXXX XXXXXXXX XXXX XXXX XXXX  Collection Balance : {$360.00} Date Opened : XX/XX/XXXX Status : Collection account / {$360.00} past due Contact Info : ( XXXX ) XXXX Reason for Dispute : I did not open any XXXX XXXX  account, nor did I authorize anyone to open this account on my behalf. This is identity theft/fraud, and the collection is being reported inaccurately. I am requesting that XXXX conduct a full reinvestigation and remove this account unless verifiable evidence proves it belongs to me. 

2. XXXX XXXX authorize User Account Opened : XX/XX/XXXX Status : Paid, Closed / Never Late Notes : Account previously in dispute investigation complete. 
Contact Info : ( XXXX ) XXXX Reason for Dispute : I did not authorize being added as an authorized user on this account, nor did I give XXXX XXXXXXXX permission to report this account under my name. I am disputing this as fraudulent/ not mine. Please reinvestigate and remove this account from my report unless XXXX XXXX can prove with signed documentation that I consented to be added as an authorized user. 
I am requesting : 1. A full reinvestigation of both accounts under 15 U.S.C. 1681i. 
2. Deletion or blocking of any account that can not be verified as belonging to me under 15 U.S.C. 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-11-13 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: NV

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-11-13 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
Wakefield & Associates has been reporting a medication debt XXXX not familiar with at all on my credit report so I reached out to them via certified mail twice requesting documentation from the original creditor proving the debt is mine, like a signed document- which they did not provide at all. Only an amount owed on a paper with their letter head, which I will attach. There is no proof this debt is mine and I have reported it to transunion and they are accepting what the collection agency is showing which is NOT proof from the original creditor at all, they have no proof the debt owed is even mine, because its not.

Company response to consumer: Closed with non-monetary relief