vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sent out a request for payment of {$400.00} using the service XXXX. I requested payment and it was reciprocated by the receiver and {$400.00} was sent. My bank then refused the money siting suspicion of fraud. I called the bank over verified my identity no less than 5 times and I was told the sender has been approved in the system and as ludicrous as it may be request yet a second payment which I did now a total of {$800.00}! The second request was made and the sender sent a second {$400.00} and it too was rejected! I called and again verified several times and after 45 minutes on the phone I was told to request the money once again from the sender! This is obscene, uncalled for and unacceptable! I successfully received a XXXX payment yesterday for {$600.00} and today I can't receive {$400.00} and the BS they keep trying to tell me is just that! I'm now out {$400.00} and the sender is out {$800.00} and I have no options available to me no accountability and no good reason and no way to proceed!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: OK

Complaint narrative:
The company continue to send me email I do not know this company

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 2025-07-06 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: Paypal Holdings, Inc
State: WI

Complaint narrative:
I am a small business owner. PayPal has withheld {$50000.00} of my funds in a static reserve for over XXXX years. I have made repeated, good-faith attempts to resolve this issue through PayPals standard customer service channels, including direct support, phone escalation, public escalation via XXXX, and formal communication with PayPals Executive Office . 

Despite these efforts, PayPal has : Failed to provide a clear explanation for why the static reserve is still being held. 

Failed to communicate any timeline or conditions under which the funds will be released. 

Failed to offer a transparent or accessible process to dispute or appeal the continued hold. 

There have been no new PayPal sales on my account since early XXXX. My business now exclusively processes payments via XXXX XXXX, including PayPal Wallet transactions. There is no remaining chargeback risk or exposure on PayPals platform. 

It appears that PayPal is engaging in unfair, deceptive, and predatory business practices by : Indefinitely withholding funds without reasonable cause. 

Failing to provide clear, timely, or accessible information about the status of those funds. 

Denying small businesses a meaningful opportunity to resolve or appeal these holds. 

This has caused direct financial harm to my business and disrupted my cash flow. 

In the process of trying to resolve this issue, I have also discovered that many other small businesses have reported experiencing similar unexplained fund holds and the same lack of transparent resolution pathways from PayPal. 

This suggests that the problem may not be isolated to my business and could represent a broader systemic issue harming small business owners. 

I am submitting this complaint on behalf of my own situation, but I am also aware that other affected merchants may be encouraged to file similar complaints to the CFPB to ensure this issue receives the attention it deserves.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I have requested back on XX/XX/year> Hyundai XXXX XXXX to Validate an account they are reporting to the credit bureaus. They received the letter on XX/XX/year>. I have tracked the letter and have not gotten any validation, they sold this so claimed debt to a 3rd party and still are reporting which is in violations of my rights under Texas Finance Code 392.202 and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: LEXISNEXIS
State: FL

Complaint narrative:
There was a data breach and I requested wat information of mine was compromised they were unable to produce any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: OH

Complaint narrative:
On XX/XX/XXXX, my PayPal account was charged {$49.00}, sending my account into the negative. I was shocked because I had my card locked so no unexpected charges would occur. This {$49.00} was not a recurring or regular charge with which PayPal will normally push anyway. This charge stemmed from a transaction at the beginning of the month, almost two weeks prior in which I was in a dispute with the vendor, XXXX, over their invoiced amount which included multiple add-on fees which were not appropriate and I had photo evidence.

I have reached out to PayPal no less than 5 times, and have been a PayPal customer for over 16 years.

During this wait for resolution I needed emergency car repairs and funds that I needed were tied up in this fiasco.

A couple days ago I see the dispute says it was resolved in my favor ; but alas I was refunded {$.00} ; a representative that was trying to be helpful edited my dispute and charged the reason and amount to {$.00}.

I have reached out since to have this corrected but am still waiting for resolution. My funds have been tied up for weeks.

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUNION reporting a inquiry with my personal information which i do not recognize

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 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion, Experian, and XX/XX/XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud with 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card ( XXXX ), XXXX, XXXX XXXX XXXX. All of the aforementioned accounts, collections and hard inquiries are the results of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is a debt collector. We are trying to collect a debt that you owe to Portfolio Reco Associates, LLC. We will use any information you give us to help collect the debt. 

Our information shows : You had an account with XXXX XXXX XXXX XXXX account number XXXX which is now owned by Portfolio Recovery Associates , LLC. 

As of XX/XX/XXXX, you owed : {$1900.00} + Between XX/XX/XXXX and today : You were charged this amount in interest : {$0.00} {$0.00} You were charged this amount in fees : You paid or were credited this amount toward the debt : {$0.00} Total amount of the debt now : {$1900.00} + Reference No. : XXXX XXXX XXXX SEE REVERSE SIDE FOR IMPORTANT INFORMATION How can you dispute the debt? 

Call or write to us by XX/XX/XXXX, to dispute part of the debt. If you do not, we will XXXX that our information is correct. 

If you write to us by XX/XX/XXXX, we must s collection on any amount you dispute unt you information that shows you owe the may use the form below or write to us w form. You may also include supporting documents. We accept disputes electr XXXX. 

What else can you do? 

Write to ask for the name and add original creditor, if different from creditor. If you write by XX/XX/XXXX, collection until we send you that in may

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: FL

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. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/year>, I authorized several security deposits totaling {$550.00} and {$510.00} at XXXX XXXX XXXX for an XXXX in XXXX XXXX, expecting them to be refunded after check-out. These deposits were charged to my Wells Fargo checking account ending XXXX via debit card ending XXXX on XXXX, but they were never refunded. 

The hotel claims the charges were on a different card ending XXXX, supposedly belonging to one of the delegates or XXXX. However, that card does not belong to this delegate or AIESEC, and my Wells Fargo statements prove my card was charged. The hotel folio shows no refunds issued, and XXXX  XXXX  records confirm they did not receive these funds. 

I asked Wells Fargo to investigate the merchants failure to refund the authorized deposits. Instead, Wells Fargo only verified the charges were authorized and closed the dispute without addressing the missing refunds. After closing the case, Wells Fargo closed my checking account ending XXXX prematurely, leaving me without banking access while the issue remains unresolved. 

I am requesting Wells Fargo reopen the case to investigate the merchants failure to return my authorized deposits, issue the refunds, and reinstate my closed 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 explanation
Consumer complaint received 2025-07-06 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: TX

Complaint narrative:
To : EQUIFAX XXXX XXXX XXXX XXXX XXXX, GA XXXX, Subject : Formal Dispute and Request for Removal of Unauthorized Hard Inquiries Under 15 U.S.C. 1681 Dear EQUIFAX I am writing to formally dispute one or more unauthorized hard inquiries that have been reported on my credit file. I recently obtained a copy of my credit report and noticed the following hard inquiries which I do not recognize, nor did I authorize : Inquiries in Question : XXXX XXXX XXXX XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S. Code 1681b ( c ), a consumer reporting agency may only furnish a consumer report to a party that has a permissible purpose, and only with the authorization or knowledge of the consumer. I did not authorize these inquiries, and no permissible purpose was granted.

Furthermore, 15 U.S.C. 1681b ( f ) clearly states that it is unlawful for any person to obtain a consumer report unless it is for a purpose authorized by the FCRA and the consumer consents.

Under 15 U.S. Code 1681i, I am requesting an immediate reinvestigation and deletion of these unauthorized inquiries from my credit report. If you are unable to verify that I gave written permission for each of these hard inquiries, they must be removed immediately. 

Please provide the following documentation : The name and address of the party that initiated the inquiry ; A copy of the written authorization that bears my signature allowing the inquiry ; The stated permissible purpose under which the inquiry was made. 
If these inquiries can not be fully verified within 30 days as required by law, they must be removed in accordance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). Failure to comply will result in my right to pursue remedies under 15 U.S. Code 1681n and 1681o, which provide for actual and statutory damages, as well as attorney 's fees for willful or negligent noncompliance with the FCRA. 

Please send me written confirmation that this matter has been resolved and that the inquiries have been removed or properly verified. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please see supporting documentation pertaining to the TransUnion 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 2025-07-05 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: AZ

Complaint narrative:
XXXX has placed a business account on my personal credit profile. The account number is incorrect. The billing was in the name of XXXX XXXX  XXXX, per the contract. XXXX has charged off the balance and the alleged debt is to be claimed as income in accordance with XXXX  rules can not be reported as debt.

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 2025-07-05 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: FL

Complaint narrative:
I was informed by a senior representative at XXXX XXXX XXXX ( XXXX ) on XX/XX/year>, that XXXX accounts ( XXXX XXXX XXXXl and XXXX XXXX XXXX XXXX XXXX ) were deleted by XXXX and that deletion requests were submitted to Experian on XX/XX/year>. 

However, as of XX/XX/year>, both accounts are still being reported by Experian. 

This inaccurate reporting has caused me serious financial harm and emotional stress. Please respond to these questions within XXXX  days or delete both accounts immediately as required by the FCRA.

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 2025-07-06 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 XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX XXXX {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$440.00} XXXX # XXXX XX/XX/XXXX -- {$490.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I thought I closed my XXXX  XXXX XXXX credit card just before r after moving into my new home. I recently received a delinquency notice from my credit reporting agency and immediately called XXXX  XXXX XXXX credit card department. In XXXX I had an annual recurring fee on my account of {$190.00}. After XXXX credit cycles, I received a message from credit monitoring. I immediately called XXXX XXXXXXXX XXXX to find what happened. There was no attempt by XXXX  XXXX XXXX to call or email me about late notices. I paid off the balance on XX/XX/XXXX with all XXXX late fees since XXXX XXXX XXXX would not refund any. Had i been notified of a balance from XXXX  XXXX XXXX, I would have paid it off sooner and avoid a negative impact on my credit report. My contact information stayed the same, except I moved in XXXX of XXXX. Typically banks reach out to their clients about missed payments via phone call or email of which I had none. I am hoping that my credit, which was negatively affected, will be fixed. I do feel XXXX XXXX XXXX is responsible, at least in part, because of no follow up with me to fix the problem. I've had the card for XXXX years and would think an attempt to reach out to me would have been made and avoid this.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have requested back on XX/XX/year> Navy Federal Credit Union to Validate an account they are reporting to the credit bureaus. They received the letter on XX/XX/year>. I have tracked the letter and have not gotten any validation, they sold this so claimed debt to a 3rd party and still are reporting which is in violations of my rights under Texas Finance Code 392.202 and the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Sent a dispute to credit Bureaus for inaccurate reported information that negatively impacts my credit. Under FCRA I asked them to remove these inaccuracies that were listed on the document that was provided to them. Transunion did not let me file the dispute on their site. I was prepared to complete the dispute request bu the site said I could no longer complete the dispute, so I was stuck in limbo without being able to submit the request for this to be corrected.

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 2025-07-05 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: TX

Complaint narrative:
Sent a dispute to credit Bureaus for inaccurate reported information that negatively impacts my credit. Under FCRA I asked them to remove these inaccuracies that were listed on the document that was provided to them. Transunion did not let me file the dispute on their site. I was prepared to complete the dispute request bu the site said I could no longer complete the dispute, so I was stuck in limbo without being able to submit the request for this to be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
this account does not belong to me. 
XXXX XXXX XXXX -- {$1200.00}

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