vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am deaf and can not use the phone. I am the account holder and must communicate in writing. 

I made a payment using PayPal, but I was not given the option to choose between PayPals exchange rate and my banks rate.PayPal did not display this exchange rate during the payment process. PayPal automatically used its own rate ( XXXX ), while my bank offered a better rate ( XXXX ). This caused me a loss of XXXX ( ~ {$130.00} USD ). No option or explanation was provided during checkout. 

PayPal claimed that the merchant ( XXXX ) set the terms, but this goes against PayPals own user agreement, which states that customers should have the right to choose who handles the currency conversion. 

This is a transparency issue and an unfair billing practice. I request a full refund of the overcharged amount and a review of PayPal 's conduct. 

Transaction ID : XXXX Transaction Amount : {$3100.00} Date : XXXX Exchange rate used by PayPal : XXXX My bank 's rate : XXXX Exchange loss : XXXX / ~ {$130.00} USD

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Accurate Background
State: WV

Complaint narrative:
I am submitting this complaint regarding a background check I submitted through Samaritans Purse on XX/XX/year>. The background check is being processed by Accurate Background. 

I was informed that most applicants are cleared within 48 hours, but as of today, 14 days later, my background check remains incomplete. 

Between XX/XX/XXXX and XX/XX/XXXX, I contacted Accurate Background multiple times. On multiple occasions, they assured me the background check would be completed by XX/XX/year> and that I would receive progress updates. That deadline passed without any communication or results. 

On multiple occasions, I requested the following from Accurate Background : A copy of my current background check report, even if incomplete The name of any court, agency, or jurisdiction causing the delay A clear status update explaining the delay Each time, Accurate Background refused to provide this information. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to : Access all information currently in my file, even if the report is incomplete Know the source ( s ) of the information, including any courts or government agencies involved Accurate Backgrounds refusal to comply with these rights is unacceptable.

As a result of this delay and lack of transparency, I have missed two volunteer opportunities with Samaritans Purse, which has materially impacted my ability to serve.

I am requesting the CFPB investigate this matter for possible FCRA noncompliance and require Accurate Background to provide me with : A copy of my current background check report Identification of any sources or agencies causing delay A timely completion of my background check Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand these account be taken off immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> XXXX Experian Dear Experian, My name is XXXX XXXX and I'm Begging for your help, I'm NOT A COMPANY! 
To get things moving, you should have more than enough time to remove these inaccurate accounts from my credit, stop ignoring my disputes I need real help!! I request to remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXX. XXXX XXXX credit card, account number [ masked ] * * * *.- 615 USC 1681b Permissible purpose of consumer report in thislawconsumers has the right to have anything excluded from the credit report. 

XXXX. XXXX XXXX ( charge-off line of credit ), account number ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 615 USC 1681b Permissible purpose of consumer report in thislawconsumers has the right to have anything excluded from the credit report. 
XXXX. XXXX, account number ( XXXXXXXX XXXX XXXX XXXX XXXX. ) - 15 U.S. Code 1681c - Requirements Relating to Information Contained in Consumer Reports Consumer reporting agencies must not include medical information in a credit report without the consumers explicit consent.

Please remove each and every account listed immediately as they violate my Consumer and FCRA laws. After doing so please provide me an updated credit report reflecting your obedience of the law. Thank you for your time. 


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
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within XXXX XXXX  and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

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 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
I am writing to formally dispute an unresolved issue with my kraken account that has not been addressed after multiple attempts to reach you support team. I trying to login to my account there is a massage coming up which this account was closed create a new account or contact support for detail. I did multiple time I explain them why my account is closed i never closed my account then they send me the same email which please signing with the same device and internet I reply to multiple time to them I used the same device and internet my problem is my account is closed. But they keep sending me the same email. this is my account information : Account name : 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 bought {$470.00} USD and {$280.00} USD And convert to XXXX and withdrawing the same day I attached the document which I have please solve this issue for me and reopen my account i have more than {$10000.00} crypto in kraken 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 2025-07-02 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing this complaint against Cash App ( Square , Inc. ) and XXXX company regarding two unauthorized transactions that occurred when my XXXX account was hacked on XX/XX/XXXX. The hacker used my saved Cash App Card, which was locked at the time, to make purchases totaling {$450.00}. 

XXXX acknowledged the unauthorized activity and has refunded the full amount back to my Cash App Card. However, I have only received {$60.00} in total refunds ( {$49.00} and {$10.00} ) from Cash App, meaning {$390.00} is still missing. Cash App denied my dispute, claiming the transaction was authorized, even though : The card was
locked The transactions were made via a hacked third-party account I received a partial refund for the second transaction of XXXX and the refund I received was {$10.00} which means I am missing {$390.00} I have contacted XXXX and Cash App support multiple times, and they have refused to escalate or re-investigate, closing the support case without resolution.

I am requesting : A full refund of the remaining {$390.00} A formal investigation into how a locked card was charged Proof of the refund amounts Cash App received from XXXX and the partial refund I received as well and the XXXX XXXX  is looked into from where these transactions was made from on my XXXX account being delivered to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FLORIDA XXXX. The person who made these transactions also changed my email and password on XXXX account using the email XXXX. 

I dont understand how these transactions was easily authorized through Cash app while my card was locked, and I dont understand how someone was able to change my information through a XXXX  account and have these items delivered to their home address located in Florida. The security on both ends is clearly not secure for this to easily be able to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC
State: NJ

Complaint narrative:
XXXX approved me for vehicle financing in XX/XX/XXXX. I exercised their XXXX Exchange Policy to replace my XXXX XXXX XXXX with a comparable XXXX XXXX XXXX XXXX XXXX the same loan amount. The exchange was denied based on an internal system flag indicating a charge-off from a previous loan also serviced by XXXX. 

This account was : Discharged in a Chapter XXXX bankruptcy on XX/XX/XXXX Paid in full post-discharge ( XXXX confirmed receipt of full payment on XX/XX/XXXX ) Reported with a {$0.00} balance by XXXX on a recorded call with XXXX and myself present Despite this, XXXX internal underwriting system ( APO ) reflected an outdated charge-off flag and denied the exchange. They have refused to manually override the denial, even after escalation to the Executive Resolution Team. They claim the denial is not a " new loan '' but still require full re-underwriting. 

Why This Is a Problem : The denial violates Bankruptcy Code 524, which prohibits the use of discharged debts to deny credit or service It violates the Equal Credit Opportunity Act ( ECOA ) by denying me based on inaccurate or outdated internal data It potentially violates the Fair Credit Reporting Act ( FCRA ) because the denial is not based on current credit reports, but internal data not properly updated by XXXX I have not received a formal adverse action notice explaining the exact basis or source of data used I am a loyal customer simply requesting a fair and accurate review of my account. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
The amount owed is XXXX the debt collectors call everyday for the past XXXX XXXX and I ask for the same information and they give me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
I am writing to dispute multiple fraudulent accounts and unauthorized inquiries appearing on my Experian credit report. I am a victim of identity theft, which I discovered in XX/XX/XXXX. The identity theft began around XX/XX/XXXX. I have already filed an Identity Theft Report with the Federal Trade Commission ( FTC ), bearing complaint number XXXX. 

Specifically, the following accounts on my Experian credit report were opened without my knowledge, permission, authorization, or consent, and I have not received any benefits, money, goods, or services from them : XXXX XXXX XXXX XXXX : Account Number : XXXX, Opened Date : XX/XX/XXXX. This is reported as a Charge-Off/Collection account. 
XXXX XXXX XXXXXXXX : Account Number : XXXX, Opened Date : XX/XX/XXXX. This is reported as a Charge-Off/Collection account. 
XXXX XXXX : Account Number : XXXX, Opened Date : XX/XX/XXXX. This is reported as a Charge-Off/Collection account. 
XXXX XXXX XXXX : Account Number : XXXX, Opened Date : XX/XX/XXXX. This is reported as a Charge-Off/Collection account. 
XXXX XXXX XXXX : Account Number : XXXX, Opened Date : XX/XX/XXXX. This is reported as a Charge-Off/Collection account. 
XXXX XXXX XXXX : Account Number : XXXX, Opened Date : XX/XX/XXXX. This is reported as a Charge-Off/Collection account. 

Additionally, the following inquiries appear on my Experian credit report without my authorization : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/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 XX/XX/XXXX These entries are the direct result of identity theft and do not reflect my true credit history. My personal information has been compromised. As a resident of Florida, I understand my rights under relevant state and federal laws regarding inaccurate credit reporting due to identity theft.

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 2025-07-02 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-07-02 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I have a business where we processed payments through a pos terminal made by clover. the software was by XXXX payments. 

I noticed that refunds were virtually getting processed against my sales transactions to cards who had never transacted with us. in total they processed over {$1000.00} worth of refunds and continued to do so even after I closed my account. I contacted XXXX who pawned the issue to first data and then back to XXXX. I have spent hours on the phone with no resolution. These transactions were processed outside of business hours and no one had access to the backend except for me. 

I have taken it up with my bank and the police but no one has done anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
This account is being reported as a collection from XXXX XXXX XXXX by Credit Collection Services. I have no knowledge of owing this balance and have requested full validation under FCRA 609 ( a ) and FDCPA 809.

No documentation, contract, or itemized statement has been provided to prove this debt is legitimate.

Although the balance is small, this item is causing unnecessary damage to my credit score. Because it has not been verified according to federal standards, I am requesting the deletion of this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation