vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Subject : Complaint against PayPal and Banks Reversals of Legitimate Transactions Related to Crypto Payments To whom it may concern, My name is XXXX XXXX XXXX, and I am submitting this complaint concerning unfair and damaging financial actions taken by PayPal and Banks. 

Between XXXX XXXX, 2025, over hundreds of individuals voluntarily and knowingly used PayPal to send money to purchase cryptocurrency or membership packages from a company called XXXX XXXX. Each of these individuals made their own purchase decisions after receiving the cryptocurrency or package access. 

Now, after the company ceased operations, some individuals have filed chargebacks or disputes with PayPal and their banks, claiming unauthorized transactions. As a result, PayPal and certain banks are deducting money from our accountsthose of the recipientsas if we had committed fraud, even though there is clear evidence ( chats, payment records, transaction IDs ) proving that these payments were made willingly by the senders. 

We are being unfairly penalized and financially harmed due to these reversed payments, even though we did not sell or manage the products. The transactions were peer-to-peer, and our role was solely to receive the funds sent by those now disputing the payments. 

We respectfully request an investigation and any appropriate intervention to protect us from this abuse of the chargeback and refund systems. 

I am available to provide supporting documents, testimonies, and further explanation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: Experian Information Solutions Inc.
State: FL

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!

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 2025-04-24 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: NY

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

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 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I fell on hard times became delinquent on payments to Capital One credit card. I am permanently on a fixed income now. I am XXXX but was planning on working another few years to get out of debt. It didn't work out that way. The company wouldn't work with me and told me they do not do settlements. The company did a charge off on my account and told me being that it was a loss I would receive a 1099C and will need to claim the balance as income. I have not received the 1099C. I have called many times but the customer service reps disconnects the call stating they don't have the tools to help me. They do offer to give me a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX if I give them my bank information. The charge off was in XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  I repeatedly tried to get the 1099C before taxes were due in XXXX. I have written the company, called repeatly with no response. I would like to receive the 1099C so I can amend my XXXX taxes to reflect the income amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: 1 Stop Payday Loan Services LLC
State: NV

Complaint narrative:
Got a payday loan and was charged fees and dates were being charged in a timeline wasn't agreed to

Company response to consumer: Untimely response
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, I am invoking my rights under, the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
First of all, I never received any email or official notification from XXXX regarding an outstanding bill. After switching from XXXX, I proactively called their customer service multiple times requesting a breakdown of the charges and to confirm whether I owed anything. Despite my repeated requests, XXXX never provided the details. 

Unexpectedly, I received a call from AmSher Collections demanding payment and speaking to me in a rude and aggressive manner. While they later offered a reduced settlement amount, I continued requesting a detailed bill from XXXX XXXX XXXX I was also responsible for others on the same XXXX  account. 

As of today, XXXX has still not provided any billing breakdown. 

I called XXXX again on Monday morning, XX/XX/XXXX, exhausted from the back and forth, and considered paying the settlement amount just to protect my credit. I explained that I had been unable to follow up earlier due to a death in the family and travel abroad, and I was even willing to provide proof of this. Instead, I was told that the account had already been reported to credit bureaus, and I would need to pay the full amount to avoid further damage. 

I paid the full amount, yet my credit report and score have already been seriously impacted. XXXX still has not assisted me with the bill breakdown. Every time I contact them, they redirect me to AmSher, and AmSher sends me back to XXXX. The entire process has been frustrating, with poor communication and at times, verbal mistreatment. 

I have attached a photo and bill all they provided me after multiple visits to store and even that doesnt help me with breakdown

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: PA

Complaint narrative:
I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX {$5100.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$2600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
On the XXXX I used XXXX for XXXXXXXX I paid it back on the XXXXXXXX It still has not posted to my account. They took it out of my account on the XXXX and still haven't put it back in. This feels deliberate sabotage..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: MI

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : C

redit Report Dispute Request for Investigation Dear CFPB Representative, I am writing to formally dispute inaccurate information on my credit report. Despite my previous attempts to resolve this matter with the credit reporting agency and/or creditor, the issue remains unresolved. The item ( s ) in question are as follows : Creditor name : XXXX XXXX XXXX Account number : XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : inaccurate information reporting to my credit report.

I am requesting that the CFPB investigate this matter further and take appropriate action to ensure the accuracy of the information being reported. Inaccurate reporting is negatively affecting my credit score and financial opportunities.

Please keep me informed of any updates or findings. I appreciate your assistance in this matter.

Sincerely, 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 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a Bank of America Visa rewards card that offers 1.5 % rewards on all purchases. When going to redeem the points, the bank fraudulently misrepresented the percentage of the rewards. If I want a travel voucher, I must book it through a XXXX XXXX XXXX XXXX XXXX with no knowledge of how much my voucher is worth. If I want a statement credit on my account, I get only 1 % back on my purchases. If I want a check mailed to me, I get only point .9 % of my purchases back. If I choose a XXXX XXXX  I.e. XXXXXXXX XXXX XXXX, I I receive only point.8 % of my purchases? Each and every rebate is less than or half what was promised at the opening of my account. This bank is committing a fraud upon all of it's customers. If I read the " fine print '', it does not disclose this financial fraudulent practice. In today 's society, Bank of America only cares about THEIR almighty dollar and their stock price. How they accomplish this is by cheating and misleading their customers. If they don't treat their clientele right, another bank will.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX, XXXX XXXXXXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in to be removed. 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. XXXX, XXXX XXXXXXXX XXXX AND XXXX XXXX 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! Delete the late payments from my consumer reports

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 2025-04-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX I opened a 1 year CD with BMO Alto Bank. Upon maturity, I was sent an email stating my CD was expiring and to see the notice in my account. Sadly due to the many SPAM email I receive, I did not see this email. On XX/XX/XXXX I attempted to withdraw my funds and that function was not available. The bank had rolled my {$140000.00} over into a new CD that was 1.5 % lower than prevailing market rates based on my search on XXXX I was unaware they would automatically create a new CD, but did expect I was receiving the normal savings account interest rate. 

I called customer service and was told to withdraw my money 7 days late, they would charge me {$2100.00} in penalties or 6 months interest. That's an 88 % interest rate for the 7 days, despite only paying me 3 %. I do compliance for a living. The FTC requires that disclosures be " clear and conspicuous. '' The bank had an opportunity to inforn me there would be severe and egregious penalties in the email they sent me. They chose not to do so. They could have highlighted this important subject of a very severe penalty in the body of the message they sent in their messaging center. They chose not to do so. Now I could have clicked a link and scrolled through several pages of legalese to find this, but in no way is this clear and conspicuous, not did I have any reason to expect such an outrageous fee. 

I was a mere 7 days late acting, being unaware of the outrageous penalty for holding my own money. No reasonable person would expect such severity for being a few days late accessing their own hard earned savings, and every dollar is critical now that I am of retirement age. Do I believe clawing back the interest from the maturity date would have been a fair penalty? Yes, I am not unreasonable. But 6 months of interest for 7 days late on something that was not clearly disclosed? No. This is an unfair and deceptive business practice, as I'm sure any reasonable person would agree.

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 2025-04-24 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: NC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-24 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: Experian Information Solutions Inc.
State: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-04-24 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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