vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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
State: CA

Complaint narrative:
On XX/XX/year>, I paid {$510.00} via PayPal to XXXX XXXX for a package that was supposed to be delivered by XXXX. The tracking marked it as delivered on XX/XX/year>, but I never received it. 

There was no signature, no delivery photo, and no proof it was left at my door. I checked with all neighbors and family members and filed a police report ( XXXX XXXX XXXXXXXX ). I also contacted XXXX, who refused to investigate due to the time passed and advised me to contact the seller. 

I submitted all supporting documents to PayPal, including the police report and a screenshot of XXXX XXXX response. Still, PayPal denied my claim and appeal, simply stating that the tracking shows it was deliveredignoring the lack of delivery evidence and supporting documents I provided.

I am extremely disappointed by PayPal 's decision, as it fails to protect the buyer and contradicts their Purchase Protection Policy. I am not seeking sympathyI am seeking justice and fairness. Consumers should not be left alone to bear losses for stolen or mishandled deliveries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am filing this complaint because Midland Credit Management XXXX XXXX ( " MCM '' ) is attempting to collect an alleged debt from me that I dispute, and they have not yet provided proper validation as required by federal law. 
On XX/XX/XXXX, I received a letter from MCM regarding an alleged debt originally associated with XXXX XXXX XXXX XXXXXXXX, account number ending in XXXX. The MCM Account Number for this alleged debt is XXXX. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( b ), 15 U.S.C. 1692g ( b ), I formally disputed this alleged debt and sent a request for validation to Midland Credit Management , Inc . I demanded strict proof of the debt and requested that this validation be provided within thirty ( 30 ) days of their receipt of my dispute. 
I am requesting the following documentation for validation of this alleged debt : Verification of the Debt : Complete and accurate documentation demonstrating that I am the party obligated to pay this debt. This includes, but is not limited to, the original application or contract bearing my signature, or other legally binding agreement establishing my liability. 
Chain of Custody : Documentation tracing the complete chain of ownership of this debt from the original creditor, XXXX XXXXXXXX XXXX XXXXXXXX, to Midland Credit Management XXXX XXXX, including all assignments and bills of sale. This documentation must clearly show that MCM is the legal owner of this specific debt and has the legal right to collect it. 
Complete Account History : A detailed and itemized accounting of the alleged debt from its inception, including the original principal amount, all interest charges, fees, payments made, and any other charges that have been applied to the account. This should clearly show how the alleged balance of {$630.00} was calculated. 
Proof of Default : Documentation substantiating the date of default ( XX/XX/XXXX ) and the charge-off date ( XX/XX/XXXX ), and how these dates were determined. 
Licensing Information : Proof of Midland Credit Management XXXX XXXX 's licensing to collect debts in the state of Michigan, as required by state law. 
My Legal Basis : My rights are protected by the FDCPA, which prohibits debt collectors from using unfair or deceptive practices and mandates that collection efforts cease until a disputed debt is validated. The Consumer Financial Protection Act ( CFPA ) also empowers the CFPB to ensure fair treatment of consumers by financial service providers. Additionally, Michigan 's Collection Practices Act provides state-level protections. 
Case law such as XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX ) reinforces the strict liability of debt collectors under the FDCPA, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX ( XXXX ) supports the need for a party to establish its legal right to enforce a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Our information shows : You have an account with LVNV Funding LLC. The original creditor was XXXX, XXXX with an account number ending in XXXX. The address on file for you is XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX. 

As of XX/XX/year> you owed {$76.00} Between XX/XX/year> and today You were charged this amount of interest + {$0.00} You were charged this amount in fees + {$0.00} You paid or were credited this amount toward the debt - {$0.00} Total amount of the debt now {$76.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB Management Services XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Credit Report Dispute Request for Investigation Dear NCB Management Services, I am writing to dispute the accuracy of information you have reported to the credit bureaus regarding the account listed below. I reviewed my credit report and found an error that I believe requires correction or removal. 
Disputed Information : Creditor Name : NCB Management Services I respectfully request that you investigate this matter and either correct or remove the inaccurate information you have furnished. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information. Please complete your investigation within the required time frame and notify me in writing of the results. If the disputed item is found to be inaccurate, please also notify all credit reporting agencies to which this information was provided. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute an item appearing on my credit report in connection with your company, referenced under Dispute Number XXXX  According to my records, this account is either inaccurately reported or should no longer appear on my credit profile. 

Specifically : I dispute the validity or status of the account you are reporting. These remarks have been detrimental to my life and credit health. 

The account is listed as closed, and I am requesting verification of this status and the reason for the closure. As I was promised the account would be removed completely. 

If this account was sent to collections in error or has been resolved, I request that it be updated to reflect paid, resolved, or removed entirely, depending on the circumstances. 

As required under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this dispute and correct or remove any inaccurate, outdated, or unverifiable information from my credit file. Please provide documentation validating the account and your authority to report it. 

Please complete your investigation within the time allowed by law and provide written confirmation of the results. I would appreciate a prompt and fair resolution of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TN

Complaint narrative:
Upon reviewing my credit report, I noticed several inaccuracies associated with my account. This account is negatively impacting my ability to obtain credit. It is my understanding that you will conduct a thorough investigation to verify the accuracy completeness of the information, as required under the Fair Credit Reporting Act. Here is the account I'm asking you to verify as accurate. Acct Name : 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 explanation
Consumer complaint received 2025-07-08 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: VA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have accounts that needs disputing that is not my account, but is continuing to show on my credit report. Old addresses, incorrect names, and accounts need to 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have accounts that needs disputing that is not my account, but is continuing to show on my credit report. Old addresses, incorrect names, and accounts need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report.

Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable.

Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). 

The CFPBs XX/XX/year> enforcement action against Equifax ( resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. 

I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: RI

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VYSTAR CREDIT UNION
State: GA

Complaint narrative:
My name is XXXX XXXX I was diagnosed with XXXX XX/XX/2022, in XX/XX/2022 I was admitted to the XXXX  I stayed the until XX/XX/2022 I then started to see a lot of inquiries and my credit report and it just keeps going I have all my medical records..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CO

Complaint narrative:
Cashapp has suspended my account one week ago with a mere {$20.00} in my account due to " suspicious activity. No such activities were done. I have called repeatedly over the past 6 days with no response or resolution. I want my funds that belong to me released, my account closed and I will never ever deal with a fraudulent company such as Cashapp again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: PA

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX for reporting false information to my credit report without my authorization. The accounts in question are charged-offs, which should not be reported as income on my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 section 602, consumer reporting agencies must act with fairness and respect for consumers privacy rights. As a consumer, I have the right to ensure that my private information is not shared without my consent, as supported by 15 USC 6801, which mandates financial institutions to protect the privacy of consumers nonpublic personal information. 

Furthermore, 15 USC 1681 section 604 clearly states that consumer reporting agencies may only furnish reports according to the written instructions of the consumer. I have not provided such consent, in any form, to Equifax, TransUnion or Experian to share my information. All prior consents are hereby revoked. 

Additionally, the reporting of these charged-off accounts contradicts 15 USC 1681c ( a ) ( 5 ), which prohibits consumer reporting agencies from including adverse items of information beyond the legally permissible timeframe. The original accounts, categorized as charged-offs, represent a certificate of indebtedness and should not be reported as income, as income is not permitted on credit reports. 

Moreover, 15 USC 1681s2 ( A ) ( 1 ) prohibits a person from furnishing information to consumer reporting agencies if they know or should know the information is inaccurate. Equifax and Experian have failed to maintain reasonable procedures to prevent such violations as required by 15 U.S. Code 1681e. 

Lastly, I wish to invoke my right to opt-out of your reporting services as per 12 CFR 1016.7. 

I respectfully request an immediate investigation into this matter and the removal of any inaccurately reported information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: PA

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX for reporting false information to my credit report without my authorization. The accounts in question are charged-offs, which should not be reported as income on my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 section 602, consumer reporting agencies must act with fairness and respect for consumers privacy rights. As a consumer, I have the right to ensure that my private information is not shared without my consent, as supported by 15 USC 6801, which mandates financial institutions to protect the privacy of consumers nonpublic personal information. 

Furthermore, 15 USC 1681 section 604 clearly states that consumer reporting agencies may only furnish reports according to the written instructions of the consumer. I have not provided such consent, in any form, to Equifax, TransUnion or Experian to share my information. All prior consents are hereby revoked. 

Additionally, the reporting of these charged-off accounts contradicts 15 USC 1681c ( a ) ( 5 ), which prohibits consumer reporting agencies from including adverse items of information beyond the legally permissible timeframe. The original accounts, categorized as charged-offs, represent a certificate of indebtedness and should not be reported as income, as income is not permitted on credit reports. 

Moreover, 15 USC 1681s2 ( A ) ( 1 ) prohibits a person from furnishing information to consumer reporting agencies if they know or should know the information is inaccurate. Equifax and Experian have failed to maintain reasonable procedures to prevent such violations as required by 15 U.S. Code 1681e. 

Lastly, I wish to invoke my right to opt-out of your reporting services as per 12 CFR 1016.7. 

I respectfully request an immediate investigation into this matter and the removal of any inaccurately reported information from my credit 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 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: NM

Complaint narrative:
Had a {$5.00} reverse pay at XXXX I got my money back then.. I went to XXXX and used my cash app card there for {$9.00} which I had XXXX in my card already previously and then XXXX from XXXX came out to {$9.00} that's why I used my card at XXXX it declined because of insufficient funds they said no funds were taken out but my card had only XXXX in it .. so where my XXXX? They said 5 days for holding I waited 5 days still no XXXX .. they said no funds were taken out but why does my card o ly have {$4.00}? In it after I tried using it for {$9.00}!

Company response to consumer: Closed with explanation