vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
b'I request the CFPB investigate XXXX XXXX Bank c/o Achieve for failing to provide a compliant ECOA/FCRA adverseaction notice and for failing to respond to my dispute submitted in XXXX XXXX I ask the CFPB to require corrective action, documentation of their procedures, and any consumer remedies.  I applied for an Achieve personal loan; on XXXX XXXX XXXX I received an adverseaction letter stating only No record found at credit bureau. I submitted a formal dispute to XXXX XXXX  Bank c/o Achieve in XXXX XXXX alleging violations of the Equal Credit Opportunity Act (ECOA/Regulation B) and the Fair Credit Reporting Act (FCRA). To date I have received no substantive response or compliant adverseaction documentation.  I submitted a XXXX  certified mail dispute package with signature return receipt under tracking # XXXX XXXX XXXX XXXX XXXX XXXX  My complaint was delivered and signed for my XXXX XXXXr Bank c/o Achieve XXXX. \n Why this likely violates federal law:\nRegulation B (ECOA) requires creditors to provide timely, specific notices of adverse action and a statement of specific reasons when an application is denied; the notice must meet the content and timing rules in 1002.9.  The FCRA requires adverseaction notices when a decision is based in whole or in part on information in a consumer report and provides consumers the right to obtain details about the report and dispute inaccurate information; combined notices must include required disclosures and contact information for the consumer reporting agency.  Deficiencies in the notice and process\nThe letter fails to identify whether a consumer report was used, fails to provide the name, address, and phone number of any consumer reporting agency that supplied the report, and does not include a clear statement of specific reasons or a meaningful explanation of No record found (e.g., which bureau, what file search parameters). These omissions impede my ability to obtain and dispute the underlying report as required by the FCRA and to understand the basis for denial under ECOA.  I submitted a dispute in XXXX XXXX and received no acknowledgement, investigation results, or corrected adverse action within the statutory and regulatory timeframes; this lack of response is itself a violation of consumer protection obligations'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: 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, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Complaint to PayPal I am submitting a formal complaint regarding a dispute that has been mishandled and has caused ongoing financial and emotional distress. 

I purchased an item costing {$2000.00} from XXXX through PayPal on XX/XX/year>. I never received the package. After checking with XXXX, I was informed that the shipment was returned to the sender at the sellers request. I contacted the seller to ask why the package was returned and to request a refund, but I received no response. 

The seller later issued a partial refund of {$1600.00} without any explanation. I emailed the seller again regarding the remaining refund amount of {$420.00}, and again received no response. 

Since the seller was unresponsive, I opened a claim with PayPal for the remaining refund amount. However, PayPal closed the case in favor of the seller, despite the evidence. As a result, I contacted my bank ( XXXX ), and they investigated the matter and issued me a refund for the remaining {$420.00}. At that point, I believed the issue was resolved. 

Since then, PayPal has repeatedly emailed me stating that I owe {$420.00}, which is incorrect. I have called PayPal five times over the past XXXX months, each call lasting over an hour. I was consistently told that the claims team would take care of the issue and that I could ignore the negative balance emails. 

Today, however, I received an email stating that PayPal will send this balance to collections if I do not pay it. I called PayPal again, and this time I was told that I am required to pay the amounteven though my bank already completed the dispute in my favor and refunded me. 

This is extremely frustrating and unreasonable. 

I have attached the bank letter confirming that the dispute was resolved and the amount was credited back to my account. 

I am urgently requesting a full review of my case and immediate correction of my PayPal account balance. 
Please help me resolve this matter as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Unauthorized money transfers were made through my XXXX account using my linked Wells Fargo checking account. I did NOT authorize, approve, or initiate these transfers to XXXX. A fraudster gained access to my XXXX account without my permission and completed multiple transactions. The funds were taken from my Wells Fargo account through ACH withdrawals. 

I contacted Wells Fargo and XXXX immediately after discovering the issue and reported it as fraud. However, the transactions had already been completed by the time I noticed them. I did not share my login information with anyone and I did not approve any transfers. 

Date range : XX/XX/year> to XX/XX/year> Amount range : XXXX Filed a police complaint and also raised fraud request to Wellforgo bank and 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 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Independent Dealers' Advantage, LLC
State: GA

Complaint narrative:
I emailed the company on XX/XX/XXXX Im contacting you regarding my auto loan account #. Ive made all my scheduled payments, yet my loan has not been reported to any credit bureaus on making any payments. As a result, I was denied a loan on XX/XX/XXXX because my credit report incorrectly shows no payment history for this account. 

This failure to report accurate information has caused me financial harm. Im requesting that you immediately report accurate payment history to all three credit bureaus or provide written confirmation explaining why you have not done so. 

If I do not receive a response or correction within XXXX business days, I will be filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the Fair Credit Reporting Act ( FCRA ) for damages caused by this negligence. 

Sincerely, XXXX XXXX XX/XX/year> They have since then not responded to me nor have they fixed the issues on my credit reports causing me to be denied for a home and causing me to lose money i have asked and called multiple times to get this fixed but they have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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

Complaint narrative:
I am submitting a formal complaint regarding missing funds in my Hyperwallet/XXXX account. 

Hyperwallet ( XXXX ) created a new account for me without my request, using the same email address. After this forced account migration : I lost access to my old account My previous balance ( XXXX ) was not transferred to the new account Transaction history from the old account is no longer visible Hyperwallet support confirmed in writing that no funds were transferred, and I must contact the payer ( XXXX XXXX XXXX, who has not resolved the issue Background : I received payments from XXXX XXXX XXXX XXXX to XXXX Last payments received : XXXX XXXX Last withdrawal from XXXX/Hyperwallet XXXX XX/XX/XXXX Hyperwallet previously sent me an email notifying me to withdraw my balance within 180 days, but I could not access my old account due to the forced migration Important context : Due to the XXXX  conflict and sanctions, I was unable to transfer funds from my account in XXXX. 

This situation was beyond my control. 

I returned to XXXX, where I continue to have difficulties accessing Hyperwallet services. 

According to OFAC regulations, MSB rules, and Hyperwallet Terms & Conditions, account closure or inactivity due to geopolitical restrictions does not authorize deletion or forfeiture of funds. 

Requested resolution : I request that CFPB require Hyperwallet/XXXX to : Provide a full audit of my old and new accounts Confirm the remaining balance from my old account Restore access to the old account or transfer the funds to the new account Provide a written explanation of the status and location of my funds Comply with MSB and unclaimed-property regulations I am ready to provide : Email correspondence with Hyperwallet support Screenshots of account access issues ( new account having no balance ) Proof of payments from XXXX ( I can check for invoices and I also requested invoices from their side as payment originator ) Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My account was closed unfairly due to XXXX transaction my family assist with paying my bills and the bank stated that they can no longer have a relationship with me XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: DC

Complaint narrative:
Someone opened account from XXXX XXXX XXXX XXXX on my name without my authorization. This is not my account. I have Identity Theft Report which I can provide to support this. See attached. I request to remove this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a formal complaint against TransUnion for willfully violating the Fair Credit Reporting Act ( FCRA ) by reporting multiple late payments on my credit file without producing any verification, documentation, or evidence from the data furnishers. Despite my prior dispute, TransUnion failed to conduct a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ), failed to forward relevant information to the furnishers under 1681i ( a ) ( 2 ) ( A ), and ignored all evidence I submitted under 1681i ( a ) ( 4 ). The following accounts are being reported without substantiation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Subject : Request Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Immediate Deletion of Fraudulent Accounts from My Credit Report Dear Sir or Madam, I am writing to dispute inaccurate information on my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), and to formally request the blocking of all information resulting from identity theft. 
According to federal law, upon submission of an identity theft report, credit reporting agencies are required to block any information identified by the consumer as resulting from fraud or identity theft within a maximum of four ( 4 ) business days from receipt of this request.

Pursuant to FCRA 605B, I request that Equifax block and delete the information appearing on my credit report that is the result of fraud and identity theft within four business days of receiving this letter. 
The fraudulent, inaccurate, and false information consists of a personal loan account opened under the name XXXX XXXX XXXX, with the account number ( XXXXXXXX XXXX XXXX ). This account has caused several false entries and unauthorized inquiries to appear on my credit history. I have attached a copy of the credit report maintained by your agency showing the fraudulent item in question. 
I do not recognize the reported account. This account was not opened, requested, or authorized by me. It was the result of identity theft and financial fraud. I have not granted written authorization or consent to share my non-public personal information. Reporting or disclosing my information without consent constitutes a violation of 15 U.S.C. 1681b ( Permissible Purposes ) and of my privacy rights under 15 U.S.C. 1681a ( 4 ).

Therefore, I request that this account and the related inquiries be immediately blocked or deleted from m
y credit file, in accordance with FCRA 605B. 
All necessary documentation is included in this package and has also been sent by certified mail. 
Listed below are the Collections that are being challenged 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 Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX  - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: SLM CORPORATION
State: GA

Complaint narrative:
I am filing a complaint because XXXX  is reporting two fraudulent accounts tied to Sallie Mae and XXXX XXXX XXXX. I did not open, authorize, apply for, or approve any account with Sallie Mae, nor did I authorize any debt collector such as XXXX XXXX XXXX to report information about me. These accounts are not mine and were opened without my knowledge or consent. 

I notified XXXX  that these accounts are fraudulent, but the bureau has failed to remove them. XXXX  has violated its FCRA obligations by continuing to report unauthorized and inaccurate information. 

XXXX  was notified that the accounts are fraudulent on XX/XX/year> when I uploaded my police report and FTC report. 
Under FCRA 605B, XXXX  is required to block all information that results from identity theft or unauthorized use once notified. XXXX  failed to block or remove these accounts. 

Also, after reviewing these accounts I have notice more FCRA violation. 
Sallie Mae charged off AND XXXX XXXX XXXX reports a collection for the same debt. This is illegal double reporting. 
A charged-off student loan is being reported again by a debt buyer, which is double reporting and violates FCRA 607 ( b ) and 602 ( A ). The same account is being reported twice ( OC and CA ) with conflicting balances. This is inaccurate double reporting. This collection is reporting incomplete and unverifiable information, violating FCRA 607 ( b ) and 611. No original creditor is listed, and the balance can not be validated. Please delete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX  cashapp has Rob me and holding money thats owed to me because it's more than XXXX dollars they approved reimbursement then when I tried to get it they closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: KY

Complaint narrative:
MRS BPO is reporting a collection account on my credit report but has not provided legally required validation under FDCPA 809. They have not shown proof that the debt is mine, nor have they provided a contract, itemized breakdown, or documentation proving the accuracy of the balance.

They continue reporting to credit bureaus without proper verification, violating FCRA 623 and 611. As an active-duty service member, they have also failed to comply with SCRA military verification requirements.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Since converting from XXXX to Comenity bank my Saks XXXX card XXXX has not credited points to my XXXX account, my account shows XXXX points. My last order on XX/XX/year> Order # XXXX, points have not been credited. I was enrolled in an offor of XXXX points on next purchase, those points have not been credited to my account. Please post the points to my Saks account.

Company response to consumer: Closed with non-monetary relief