vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX  I received an alert on my Paypal Account that a purchase was made in the amount of {$430.00} to XXXX , which I did not make any purchase. Immediately After I received the Alert I tried to contact Paypal Via their toll free number and they were closed, and the company did not even have a Fraud Department open. Afterwards I got on my app and filed a fraud dispute on the matter. I also contacted XXXX and the recording they had was I had to dispute any discrepancies with my bank. I contacted paypal via CA Attorney and XXXX and have not received any contact from corporate Paypal After the Fact I immediately changed my Password to my Paypal account. Then on XX/XX/XXXX, I received another Paypal Alert from my app. The same Scammer made another purchase of {$470.00} on my account. I immediately disputed it on the app and Paypal reversed the charge. I tried to contact Paypal and speak with a supervisor on XX/XX/XXXX 2 times and the representative never called me back. 

Then on XX/XX/XXXX I received a email from Paypal stating they stated there was no unauthorized used for a transaction of {$480.00}. When I never even made the transaction and I have had this account since XXXX and never let anyone have access to this account. After the Second issue I had to Change my email with paypal and login information. I also had to set up a 2 step verification with paypal. Back in XXXX a similar situation happened with the trying to purchase something through XXXX and I received an alert. I was able to contact paypal Fraud department at that time due to them being open The Address that was used for the XXXX Transaction was even a bogus Address where I never even resided or a Place I ever been to. l This is the address below : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, DE XXXX United States Make note the Second issue I had on XX/XX/XXXX Was done by the Same fraudster and was removed by paypal the XXXX was not. I want this unauthorized charged removed and a call back from Paypal corporate to discuss this matter. I have also contacted XXXX XXXX and they will not authorize any XXXX charges from Paypal. They have been notified about the fraudulent activity and they were open at XXXX XXXX  unlike Paypal. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: CA

Complaint narrative:
I am writing because my dispute has not been properly handled, and it is clear that your bureau has failed to follow the law under 15 U.S. Code 1681i ( 4 ), which requires you to give full consideration to all relevant information I provide as a consumer.

I submitted supporting documents and explanations to show that the account and information in question are inaccurate. Instead of addressing the evidence I sent, your response appeared to be nothing more than a surface-level verification from the furnisher. This is not compliance with the law. The statute explicitly states that consumer-provided information must be considered during an investigation. By ignoring the materials I submitted, you are in direct violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ).

The presence of this inaccurate information continues to harm melowering my credit score, damaging my reputation, and interfering with my ability to access fair credit opportunities. You are required to conduct a proper reinvestigation that includes my documentation, not just a rubber-stamp validation from the furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The balance was fully satisfied, yet late-payment notations still appear on my report.

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 2025-12-21 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: MI

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX Balance : {$2000.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$1300.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I just opened the XXXX  account I called up there seen it on XXXX I took down the number called they said download the app make an account I did I asked the. Do you accept social security payments they said yes as soon S my funds it the account on XX/XX/year> they froze my account for no reason I didn't even activate the card the had cancelled my debit card won't refund XXXX XXXX social security payments company my kids went 18 days with out eating I Iive in the country no cars with my just me an my XXXX small children ages XXXX old as of yesterday XXXX old an a XXXX week on baby as of now I was forced to call XXXX to come get my children so XXXX wouldn't kill my kids an my self I lost my home I was getting ready to pay it off as of XX/XX/XXXX my home would have been bought an paid for I'm XXXX  selling my XXXX to eat an my mouth trying not to catch a felony or jail time I just want my funds removed from XXXX  account an returned back to social security XXXXXXXX XXXX so I can get my family back an another home for my 3kids an my self an I will no longer use XXXX  an my family and friends

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX  BALANCE : {$2600.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE : {$73000.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are 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 non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, I made multiple payments through PayPal XXXX XXXX XXXX to the same seller for physical merchandise that was never delivered. The payments were XXXX on XX/XX/year> ( for a XXXX XXXX card ) and XXXX on XX/XX/year> ( for a sealed XXXX box ). The seller stopped responding after receiving payment and did not deliver the goods. 

I opened disputes through PayPals Resolution Center for non-receipt of goods and provided all requested information and evidence. During the dispute process, PayPal informed me that no further action was required from me and that PayPal would update me on the outcome. Relying on this instruction, I did not manually escalate the disputes. 

PayPal later closed the disputes in the sellers favor, stating that I failed to escalate the disputes to claims within the required timeframe. I contacted PayPal customer support and spoke with multiple supervisors, who refused to reopen the cases or provide a substantive written explanation and instead instructed me to contact my card issuer. 

As a result, PayPal denied buyer protection for clear non-delivery and seller fraud after providing misleading guidance during the dispute process. PayPals handling of these disputes left me without internal recourse and forced me to pursue a bank chargeback. I am submitting this complaint regarding PayPals misleading dispute instructions, improper denial of buyer protection, and failure to reasonably resolve fraud claims involving Goods & Services transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX  XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: NY

Complaint narrative:
You XXXX have furnished this account as a charge off / collection you are in violation of the Fair Credit Reporting Act 15 USC 1681.

15 USC 1681e ( b ) An account can not be a charge off and a collection at the same time! A charge off is a cancelled debt where a form 1099C must be issued to the consumer! How can you collect on a canceled debt?

The collection on a cancelled debt that has been charge off constitutes tax fraud and the matter will be reported to the IRS! I will be filing a Form 3949-A

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I was not provided adequate notice for a loan modification proceeding in the fall of XXXX. Regardless, and acting in good faith to insure that I would retain the home, I completed my financial obligations as disclosed to me by Shellpoint via live representatives to insure compliance with the loan modification process. However, before, during and after the loan modification process, I was concerned that Shellpoint and its predecessor XXXX had not accurately calculated the outstanding balance of the loan. My requests for appropriate and required accounting was consistently ignored. Additionally, I was and remain concerned that Shellpoint engaged in retaliatory actions against me due to my prior complaints to CFPB, inclusive of improperly and with malice working with XXXX, my utility company, to start a third party electric account and turn on electricity without my knowledge or consent and further tagging my home as " vacant '' and thus subject to additional legal actions. Given these concerns I sent a formal Qualified Written Request under RESPA on XX/XX/XXXX requesting information on my loan balance among other items. Despite monthly requests for Shellpoint 's response since XXXX of this year, I have yet to receive any document pertaining to my RESPA request. As such I sent a second RESPA request, which Shellpoint claims not to have received. 

It has also come to my attention that Shellpoint improperly allocated previously undisclosed funds on my account to my loan payments without my consent or knowledge during the loan modification process on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. This was unacceptable as I should have had knowledge of the existence of these funds and be the one responsible for allocating it appropriately and as I deemed fit given my financial condition at the time. 

Shellpoint continues to refuse to provide me with information on the servicing and accounting on my loan in violation of my rights. The loan modification agreement also has not been received by me despite multiple requests. Consequently, Shellpoint has not acted in good faith when negotiating this loan modification agreement with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: AR

Complaint narrative:
The account was paid off completely, but the report continues to display late-payment entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Subject : Complaint Regarding {$5000.00} Check Demand for Release to State Unclaimed Property Office My name is XXXX XXXX. I am submitting a complaint regarding a {$5000.00} check deposited into my Wells Fargo account in XXXX, which has never been released. 

Summary of Events : 1. In XXXX, a friend issued a {$5000.00} check from XXXX Bank payable to me. 
2. I deposited the check into my Wells Fargo account, which was later closed, and the funds have never been issued to me. 
3. Wells Fargo and XXXX XXXX  have both shifted responsibility, creating a deadlock and causing the funds to remain withheld for years. 

My Demand : I demand that Wells Fargo immediately transfer the funds to the State Unclaimed Property Office. 
I require Wells Fargo to notify me once the funds have been transferred. 
I will continue filing complaints and following up until Wells Fargo completes this action. 

I have waited for years, and Wells Fargos delays and refusal to act have caused significant inconvenience and financial harm. I respectfully request your agencys intervention to ensure Wells Fargo transfers the funds to the state without further delay.

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 2025-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Account Number : XXXX To Whom It May Concern, This letter is to formally notify you that I am exercising my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ). 

You are hereby instructed to cease and desist from any and all communications with me regarding the above-referenced account. This includes, but is not limited to, telephone calls, voicemail messages, letters, emails, text messages, and any communication with third parties.

Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the debt collector to cease further communication, the debt collector must cease communication except to : Advise that further efforts are being terminated ; Notify the consumer that the debt collector or creditor may invoke specified legal remedies ; or Notify the consumer that the debt collector intends to invoke a specified legal remedy. 
Any communication beyond these limited exceptions will constitute a knowing and willful violation of the FDCPA. 

Be advised that continued attempts to contact me after receipt of this notice will be documented and may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General, as well as potential civil action pursuant to 15 U.S.C. 1692c.

This letter does not constitute an acknowledgment of the debt, an admission of liability, or a promise to pay. All rights are expressly reserved. 
Please govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Between XX/XX/2025 and XX/XX/2025, Banco Popular incorrectly reported an auto loan balance as delinquent and in collections, even though the vehicle was declared a total loss and the insurance covered the balance. 
I was previously informed that the account was settled and that no balance was owed. Despite this, Banco Popular reported a collection that appeared on my credit report. 
As a direct result of this incorrect reporting, I was denied credit, including a debt consolidation loan with XXXX XXXX XXXX XXXX on XX/XX/2025, and an XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2025, both citing delinquent credit obligations as the reason for denial. 
XXXX  has since removed the incorrect collection after investigation, confirming the error. However, the damage had already occurred during the time the incorrect information was reported. 
I am requesting a full investigation, written confirmation that the reporting was incorrect, correction across all credit bureaus, and documentation acknowledging the impact this error had on my creditworthiness and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: MI

Complaint narrative:
I deposited money into my account and immediately my funds were taken. I have paid any and all balances that were in the negative in the past. I have no ideal where these charges are coming from. I will like a full investigation performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: AL

Complaint narrative:
The account was paid off completely, but the report continues to display late-payment entries.

Company response to consumer: Closed with non-monetary relief