vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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

Complaint narrative:
I had approximately {$800.00} in my PayPal account from cryptocurrency-related transactions. 

Some buyers filed chargebacks. PayPal ruled in their favor and deducted about {$400.00} from my balance. I accepted this loss. 

I was told to wait 180 days to withdraw the remaining ~ {$400.00}. I waited the full period. The

n PayPal seized the remaining balance, claiming loss recovery. However, there were no outstanding disputes or losses. PayPal had already deducted the chargeback amounts. Therefore, they suf
fered no loss and had no basis to confiscate the remaining funds. 

I am requesting a full return of the remaining {$400.00} and a clear explanation. 

PayPal email : XXXX Date of account limitation : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
I am disputing the medical debt collection being reported by Wakefield & Associates for XXXX XXXX XXXX  '' Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I am requesting proper validation of this debt. To date, I have not received documentation proving that this debt is valid, accurate, or legally collectible. 



Specifically, I am requesting : Proof of ownership/assignment showing Wakefield & Associates has the legal right to collect on this account. 

Itemized billing and service details from XXXX XXXX XXXX, including service dates, charges, and insurance adjustments. 

Verification of the balance reported, confirming it is correct and not duplicative. 

Full, unredacted account number for accurate identification. 

Evidence of XXXX compliance in the transfer of any medical information. 



Without this information, the account is unvalidated. Continuing to report or collect on it without proper validation violates the FDCPA and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: VA

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 2025-09-09 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
I am submitting a complaint because I have found several accounts on my credit report that are being reported inaccurately and in violation of the Fair Credit Reporting Act. These accounts are damaging my credit history, and I am requesting a full reinvestigation and removal of the entries.

To begin, I noticed that XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are both showing as late closed. This is incorrect because both of these accounts carry a XXXX balance and should not be reported in a way that suggests ongoing delinquency. Reporting them in this way is misleading and violates FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), as well as FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ), which require accuracy and updated reporting. 
In addition, there is another XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX that is appearing as charged off even though the balance is listed as {$0.00}. This inaccurate reporting is unfair and misleading. Under 15 U.S.C. 1681c-2 ( 605B ) and FCRA 611 ( a ), I am exercising my right to dispute this information and demand its deletion from my file. 
There are also multiple XXXX  XXXX XXXX accounts that are being reported as charged off with active balances. These include XXXX  XXXX XXXX account ( Balance {$4700.00} ), XXXX  XXXX XXXX account ( Balance {$2200.00} ), XXXX  XXXX XXXX account ( Balance {$7000.00} ), XXXX  XXXX XXXX account ( Balance {$1900.00} ), and XXXX  XXXX XXXX account ( Balance {$3800.00} ). Additionally, there is a XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX  ( Balance {$660.00} ) * * being reported the same way. These accounts are listed as charge-offs over {$600.00}, yet I have never received an IRS Form 1099-C for cancellation of debt. Without this documentation, the reporting is not accurate and violates FCRA 607 ( b ), which requires maximum possible accuracy in credit 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 non-monetary relief
Consumer complaint received 2025-09-09 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: CO

Complaint narrative:
XXXX one is XXXX of XXXX unauthorized useage for XXXX which dealing with hostile fish and XXXX download the invoice information on the merchant explain in details and depute team went after the wrong merchant XXXX XXXX on XX/XX/XXXX Days XXXX by XXXX didn't honor my deposit back for XXXX depute team receive my money for XXXX and On XX/XX/XXXX when they decided to put it back in my account I went to the ATM and the ATM didn't provide me with the money cause it jammed up and I file a despute to get rip off by the despute team which I never received any credit for it but yet fraud me by saying it did so I asked for the ATM footage and the date of my credit I have documents for my proof on my statement and even found out suspicious activity what's going on in my account which it did not make any sense so I asked them repeatedly and see what month this is I'm still waiting please help me out I'm XXXX I'm on a fixed income I get social security and I do not like to be scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: NJ

Complaint narrative:
I am submitting this complaint as a concerned consumer regarding several items currently reported on my credit file that are inaccurate, misleading, and not in compliance with federal law. I respectfully request a full reinvestigation and removal of these accounts and inquiries as outlined below. 
First, my credit report reflects a number of charge-offs that are not compliant with the Fair Credit Reporting Act ( FCRA ). XXXX XXXX ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ) shows a balance of {$5800.00}, XXXX  XXXX ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) shows {$4100.00}, and XXXX separate accounts with BANK XXXX XXXX reflect balances of {$3000.00} and {$5300.00} * *. These accounts are all listed as charge-offs, yet no IRS XXXX XXXX has been issued despite the balances exceeding {$600.00}. Under FCRA XXXX ( b ), you are obligated to ensure maximum possible accuracy in reporting, and leaving these items as charge-offs without the required documentation constitutes inaccurate and incomplete reporting. For that reason, I am requesting their removal. 
Additionally, my credit report lists XXXX ( Account No. XXXX ) * as charged off with a reported balance of {$0.00}. Since the balance is XXXX, continued reporting of this as a charged-off debt is inaccurate and misleading. Under XXXX / 15 U.S.C. XXXX and FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ), I have the right to dispute such information and demand its prompt deletion. 
Finally, I must dispute the following inquiries, which appear on my report without proper authorization. These include : XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. These inquiries do not appear to have been made with my consent or in connection with any permissible purpose as outlined in FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ). Furthermore, obtaining or using a consumer report under false pretenses is a violation of FCRA XXXX 15 U.S.C. XXXX. Since these inquiries are not valid, I request that they be removed immediately from my report under FCRA XXXX ( a ) .These include XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. Accessing a consumers credit file without consent or a legitimate purpose violates FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ) and falls under the provisions of FCRA XXXX 15 U.S.C. XXXX, which prohibit the use of credit reports under false pretenses. Under FCRA XXXX ( a ), I am requesting that these inquiries be removed.

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 2025-09-09 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: NJ

Complaint narrative:
They violated my rights as a consumer under XXXX XXXX XXXX. I need these items blocked and removed from my credit report. 

XXXX XXXX XXXX Account number XXXX Balance {$0.00} Date opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Account number XXXX Balance {$0.00} Date opened XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
My down payment was not honored I was tricked I was approved for over the cost of the vehicle the amount owed has been paid in full and is still showing up on my credit report as a negative collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have a Capital One XXXX XXXX credit card. One of the benefits of the card is the credit for XXXX XXXX renewal fee once every 5 years of {$120.00}. Recently, I returned from XXXX and got a text from Capital One saying my credit card has been suspended due to possible fraudulent activity on the account. I called Capital One and confirmed all those transactions were mine and there were no fraud. However, Capital One canceled my card and issued me a new card. While the card was en-route to me, I applied for my Global Entry renewal and only then I realized that I don't have the Capital One card to use so I used a different card to pay for the renewal. 

I called into Capital One to ask if they could credit me for the transaction. I even offered to send them my transaction details from the other card that I used and Capital One refused, saying that there isn't anything anyone can do. I even spoke with a supervisor and she said no one above her can do anything about it either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-09-09 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: AZ

Complaint narrative:
I have formally requested an investigation into the accuracy and completeness of multiple accounts currently reported on my credit file. I am not disputing these accounts, but I am requesting that each be reviewed, verified, and corrected under my rights per the Fair Credit Reporting Act ( FCRA ). Despite my request, I have not received a timely or sufficient response. 

The accounts in question include : XXXX  XXXX XXXX XXXX, balance {$9300.00}, various late statuses between XXXX and XX/XX/XXXXXXXX  Multiple Dept. of Education/XXXX accounts with balances ranging from {$1900.00} to {$14000.00} and uniform late statuses between XXXX and XX/XX/XXXX XXXX balance {$150000.00}, 30 days late XX/XX/XXXX, opened XX/XX/XXXXXXXX XXXX balance {$350000.00}, 30 days late XXXX, XXXX, and June 2024, 60 days late XX/XX/XXXX, opened XX/XX/XXXX Under the FCRA Sections 607 ( b ) ( reasonable procedures to ensure accuracy ), 611 ( right to reinvestigation within 30 days ), 623 ( a ) ( 1 ) ( A ) ( prohibition on furnishing known inaccurate info ), and 623 ( a ) ( 2 ) ( mandatory correction or update ), I expect these accounts to be verified. If errorssuch as inaccurate dates, duplicated entries, or mismatched balancesare found, they must be corrected or deleted. 

I have submitted my initial request but have not received a complete, timely investigation or confirmation of corrections. I file this complaint to ensure that my credit report accurately reflects my consumer history and complies with FCRA standards.

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 2025-09-09 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: CA

Complaint narrative:
I am filing this complaint to report multiple inaccurate and misleading entries on my credit report, which are negatively affecting my creditworthiness. Despite my good-faith efforts to maintain my financial standing, I have identified several issues : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$630.00} XXXXXXXX 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 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 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I visited the Navy Federal Credit Union located at XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX which I was told I am not allowed to access my own account even after providing government identification in the form of a passport I also provided the social security number and instructed the employee to get the supervisor as I am a XXXX XXXX of the California XXXX I am not a citizen of the United States I do not pledge allegiance to the United States and am not subject to any of its statutes codes or commandments this status is affirmed thru Affidavit filed in Florida XXXX XXXX XXXX case number XXXX Document # XXXX title AFFIDAVIT Of Non-Consent, Jurisdictional Challenge and Commercial Injury signed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> ) I attempted to inform them that I have already attested to verified claim of commercial injury by affidavit and the police were called on me in this regard violating XXXX Federals Fiduciary Duties I have Faxed this information to navy federal in the form of a ucc 1 financing statement lien acknowledgement file number : XXXX in this regard the document was sent from Fax ID # XXXX ) I sent the lien acknowledgment and for whatever reason my access thru the phone as well as mobile banking has been blocked violating the UCC 1

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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 never thought I would find myself questioning the accuracy of my own credit report, but after reviewing it carefully, I noticed entries that do not reflect my actual financial history. I feel compelled to share my story and request correction. 
I discovered several accounts being reported in a way that negatively impacts my credit, even though some have a {$0.00} balance. Specifically, these include XXXX XXXX XXXX ( {$0.00} ), XXXX BANK XXXX ( {$0.00} ), and XXXX XXXX XXXX ( {$0.00} ). Reporting these accounts inaccurately is unfair and misrepresents my obligations. I am requesting a thorough investigation under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), FCRA 611 15 U.S.C. 1681i, and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) to ensure accurate reporting. 
Additionally, there is a charge-off from XXXX XXXX XXXX ( {$0.00} ) and a collection account from XXXXXXXX XXXX XXXX  ( XXXX, {$310.00} ). These accounts XXXX be inaccurately reported and causing undue harm. I request they be verified and corrected. The collection account may also be in violation of FDCPA 807 15 U.S.C. 1692e if it is misleading or inaccurately represented. 
I also identified multiple inquiries that I did not authorize, including : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 
These inquiries were unauthorized and violate FCRA 604 ( a ) ( 3 ) 15 U.S.C. 1681b ( a ) ( 3 ). I request that each of these inquiries be investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief