vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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:
* * Complaint Against PayPal Mishandled Dispute and Unfair Return Burden * * In XX/XX/year>, I placed an order through PayPal with a seller called XXXX  ( also listed as XXXX  ), based in XXXX. I ordered two men 's fashion hats based on professional-looking product images and descriptions.

When the items finally arrivedafter a delay of over six weeksthey were not at all as described. The hats were of extremely poor quality, made from flimsy materials, and did not match the images presented on the sellers website. One was an undersized straw hat resembling a novelty item, not the adult men 's fashion hat advertised. The second was equally misrepresented. 

I contacted the seller within their published 30-day return window to initiate a return, as their policy requires. Instead of honoring their policy and providing a return address, the seller repeatedly asked for vague photos and never moved forward with a return process. This behavior appeared to be a stalling tactic to avoid refund responsibility. 

I then opened a dispute through PayPal ( Case ID XXXX ) under " Item Not as Described '' and provided : * Photographs of the items received * Side-by-side comparisons with similar, accurately described hats I purchased from reputable sellers * Screenshots of the seller 's published return policy * A complete email thread documenting that the seller refused to provide return instructions Despite this, PayPal ruled that I could only receive a refund if XXXX returned the items to XXXX at my own expense. I obtained multiple quotes and confirmed that return shipping would cost * * over \ {$100.00} * *, nearly the full value of the original \ {$110.00} order. PayPal does not offer reimbursement for international return shipping in these cases.

This effectively makes it * * financially impossible * * to recover my money and creates a loophole where deceptive international sellers can keep funds by making returns cost-prohibitive even when the buyer follows policies and provides evidence.

I was also advised by PayPal to contact my bank, but my card issuer could not help due to the structure of the PayPal transaction.

I am now left with no refund and no recourse, despite : * Acting in good faith * Following both PayPal and seller procedures * Submitting evidence clearly demonstrating that the products were misrepresented PayPals decision allowed the seller to benefit from deceptive business practices and left me financially penalized. I am requesting formal review and oversight of this dispute handling. 

Thank you for your attention. 

Sincerely, * * XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have noticed that my credit report contains inaccurate personal information, which has led to the appearance of an account I have never opened or been associated with. I am a victim of identity theft, and my information was used without my knowledge or consent. Following TransUnion 's instructions, I filed an FTC Identity Theft Report and submitted all required documentation. Despite this, the fraudulent item is still 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 non-monetary relief
Consumer complaint received 2025-07-02 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: CBC Companies, Inc.
State: OK

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent information from my credit file pursuant to XXXX U.S.C. XXXX, also known as the Fair Credit Reporting Act ( XXXX  ). 
The account in question is as follows : Creditor Name : Portfolio Recovery A XXXX  Account # : XXXX-XXXXXXXXXXXXXX Balance : {$1000.00} Date Opened : XX/XX/year> Reported As : Collection Account I am a victim of identity theft and did not authorize or open this account. Enclosed with this letter Under XXXX U.S.C. XXXX, a consumer reporting agency is required to block identity theft-related information within XXXX ( XXXX ) business days of receiving a proper request. Please note that a police report is not required under this section. 
I demand that you : Block and permanently delete the fraudulent account information from my credit file. 
Provide me with written confirmation of the removal within the legally mandated time frame. Please also provide me with an updated copy of my credit report reflecting these changes once the account has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a formal dispute against an unauthorized hard inquiry listed on my credit report. I did not authorize this inquiry, nor did I initiate any financial relationship that would justify it.

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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
I have now received two emails out of the blue informing me that some purchase has been finalized through PayPal. These are things I know nothing about. 

One concerned an XXXX and the other was not clear about what product was involved. It is not clear that the senders have my mailing address. 

I have not responded to either message, but I do not want PayPal to come after me for this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: PA

Complaint narrative:
Im contacting you regarding an item on my credit report that is flat-out inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). The information being reported does not meet the standard of maximum possible accuracy, as required by federal law, and for that reason, Im demanding that it be removed from my credit report immediately.

Let me be very clear if youre reporting information under my name, it needs to be 100 % correct and fully verifiable. This item falls short of that, and keeping it on my report is not just negligent, its unlawful. You dont get to sort of follow the FCRA you either meet the legal standard or you don't, and in this case, you clearly dont.

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 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I used Cashapp during an estate sale for XXXX transactions. One for {$65.00} and two others for {$40.00} each. At the time of the sale I received a text from Cashapp saying they went through. I would have never let the people leave without getting those texts. I found later that no money was in my account and I couldnt see the three transactions anywhere. Nor any notes saying they didnt go through. I contacted CASHAPP and they said they could see the transactions and they had gone through but didnt know why it wasnt showing up. After days of phone calls and unhelpful emails, I was told that cashapp denied the payments. I asked why did I get the text and they refused to answer. They also refused to tell me why they denied the payments. Im out {$140.00} with absolutely no explanation why. 

Below is a snapshot of what shows up on my account app. Note that there are no transaction mentioned above. They have the records of the payments on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Upon checking my recent credit report I have notice a fraudulent inquiry. please investigate this inquiry and remove this from my credit report as it prevent my ability to obtain credit.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$400.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$610.00}

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 non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This is my second formal complaint regarding unauthorized inquiries that are appearing on my Equifax credit report. Despite my previous dispute, Equifax has responded by falsely verifying these inquiries as accurate and claiming I authorized themwhich I absolutely did not.

I have not applied for credit with any of the entities listed during the timeframes in question. These inquiries are the result of identity theft or unauthorized access to my personal information. Following Equifaxs failure to properly investigate my initial dispute, I have now taken the following additional steps : 1. Filed a formal Identity Theft Report with the Federal Trade Commission ( FTC ), outlining the unauthorized activity. 
XXXX. Submitted a police report, which I am prepared to provide as supporting documentation. 
3. Placed a security freeze and fraud alert on my credit file.

4. Contacted each creditor associated with the inquiries and notified them of the unauthorized activity.

According to the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ) and 609 ( a ) ( 1 ), Equifax is required to provide proper verification of permissible purpose before placing inquiries on my report. If they can not prove that I initiated the application or authorized these companies to access my report, these inquiries must be removed. 

I am requesting that the CFPB : Demand from Equifax proper verification of each inquiry, including proof of authorization and application, per FCRA guidelines. 
If Equifax is unable to furnish that proof, require immediate deletion of the unauthorized inquiries.

Ensure Equifax is held accountable for failing to conduct a reasonable reinvestigation under FCRA 611.

Attached you will find : My FTC Identity Theft Report A list of the disputed inquiries Copy of my drivers license and proof of address for verification I am asking for the removal of all unauthorized inquiries, and for Equifax to cease reporting inaccurate and unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-02 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: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am formally disputing the accuracy and validity of a collection account being reported by Credit Collection Services. Upon reviewing my credit report, I noticed that this account contains several factual inaccuracies and unverifiable data, and therefore must be investigated and removed pursuant to the Fair Credit Reporting Act ( FCRA ).

Disputed Issues Include : No original creditor documentation has been presented. 

Failure to comply with Metro 2 compliance standards for data completeness and accuracy.

Balance and reporting details are not fully substantiated or validated.

No signed agreement or proof of ownership has been provided.

The account is causing undue harm to my credit profile without full verification as required under FCRA 611 ( a ).

As mandated by the FCRA 611, I request that you : Conduct a full reinvestigation of this tradeline ; Provide a description of the method used for verification ; If the furnisher can not verify it with full documentation, delete the account immediately from my credit file.

Please note that continued reporting of unverifiable or inaccurate information after receiving this dispute is a willful violation of federal law.

Supporting Law References : FCRA 607 ( b ) : Maximum possible accuracy required for all data reported.

FCRA 611 ( a ) : If disputed information can not be verified, it must be deleted.

FCRA 623 ( a ) ( 1 ) : Furnishers must not report inaccurate or incomplete information. FCRA 623 ( b ) : Data furnishers m
ust conduct a reasonable investigation once notified.

Please complete this reinvestigation within the 30-day window allowed by law and notify me of the outcome in writing.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation