vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Since XX/XX/year>, I have made repeated written requests to PayPal for hardship assistance and a fair resolution of my Pay Monthly accounts. In every instance, their responses have been dismissive, scripted, and identical, telling me to " call collections '' despite my clear, repeated insistence on written communication only. This is not only unhelpful but violates my rights, as I have documented countless times that phone contact is not acceptable. 

I have dealt with multiple representatives including XXXX, XXXX, XXXX, XXXX, and XXXX, and each one has given the same recycled non-answers. PayPal has made no effort to actually resolve my concerns, address repayment options, or provide the documentation Ive requested. Instead, they continue to waste time and resources sending me canned replies while ignoring the substance of my complaint. 

Even after regulators such as the DFPI and FDIC became involved, PayPal continues to hide behind generic messaging and refuses to provide meaningful assistance. Their behavior demonstrates a clear pattern of stonewalling consumers while pretending to " investigate. '' At this point, PayPal has shown complete disregard for both regulatory oversight and consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$3500.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$24000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) after multiple disputes regarding fraudulent inquiries and inaccurate personal information in my credit reports. 

This is now my third dispute. In each submission I provided all required documentation, including : A signed identity theft affidavit Police report Government-issued identification Social Security card Proof of residence Despite this, the credit bureaus have not corrected or blocked the fraudulent and inaccurate information as required under 15 U.S.C. 1681c-2, 1681g ( f ), and 1681s-2 ( a ) ( 6 ). 

The following remain unresolved : Incorrect Personal Information Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Previous Address : XXXX XXXX XXXX, XXXX, MI XXXX Employers : XXXX XXXX XXXX XXXX : XXXX XXXX Fraudulent/Unauthorized Inquiries XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Inaccurate Accounts XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late Payment ) XXXX  XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Charge Off ) XXXX  XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Charge Off ) XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Charge Off ) XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late Payment Closed/Paid ) XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Charge Off ) XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX ( Charge Off ) The bureaus have failed to : Permanently block and delete fraudulent inquiries and personal data. 

Provide the required method of verification, including procedures used, documentation relied upon, and furnisher contact information. 

Ensure maximum possible accuracy of my file as required by law. 

Their refusal to comply is causing ongoing harm to my credit and demonstrates willful and negligent noncompliance under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am requesting a reinvestigation and correction of late payment information on several items appearing on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies are required to ensure maximum possible accuracy, and 15 U.S.C. 1681i ( a ) gives consumers the right to dispute information that may be incomplete, inconsistent, or inaccurate. I am providing detailed information on each account for your review. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX has repeatedly billed me for charges I did not authorize across multiple credit card accounts. These charges have continued even after Chase reissued my cards and after I removed cards from XXXX XXXX. 

This has impacted : Chase Freedom XXXX account ( most recent card ending in XXXX, reissued multiple times ) Chase Freedom XXXX  account ( most recent card ending in XXXX, reissued multiple times ) XXXX XXXX account ( most recent virtual number ending in XXXX, reissued multiple times ) XXXX  appears to be using retained digital wallet tokens to continue billing my accounts without my permission. This has resulted in duplicate charges across accounts on the same dates and amounts, with total losses exceeding {$7000.00} since XX/XX/XXXX. 

I request : XXXX. A full account-level audit of all XXXX XXXX XXXX charges across these accounts, not limited to the most recent card numbers. 
XXXX. Immediate reversal and refund of duplicate and unauthorized charges. 
XXXX. Deactivation of any XXXX XXXX tokens that allow charges to persist after card reissuance. 
XXXX. Written confirmation that my accounts will not be billed without my authorization. 

Attached are screenshots of my statements showing examples of duplicate charges ( e.g. {$33.00} on XX/XX/XXXX billed to both Chase and XXXX XXXX ; {$490.00} debit/credit error loop on XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint against Experian for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX were fraudulent. Despite receiving this information, Experian has failed to block or delete the fraudulent accounts as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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 2025-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: CO

Complaint narrative:
In early XXXX I took out an {$11000.00} personal loan through Upstart to pay for a XXXX program ( XXXX XXXX XXXX ) that later collapsed due to fraud. I never received the service the loan was meant for. 

From XX/XX/XXXX to XX/XX/year>, Upstart debited my XXXX XXXX XXXXXXXX account XXXX times, totaling {$2900.00}. My scheduled payment was {$320.00}, but on XX/XX/XXXX they withdrew {$650.00}, even after I attempted to revoke authorization and stop payments. 

I contacted Upstart multiple times. They said automatic payments were now turned off but only requested a refund with no promise of repayment. XXXX XXXX XXXXXXXX has also failed to block these unauthorized debits despite my dispute. 

I am requesting that this loan be canceled, the {$2900.00} refunded, and that both Upstart and XXXX XXXX XXXXXXXX be held accountable for allowing and processing these charges after revocation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

DEPTEDXXXX XXXX XXXX XXXX XXXX  {$0.00} INQUIRIES : 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 explanation
Consumer complaint received 2025-10-01 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: WA

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: SC

Complaint narrative:
I am receiving collection notices from Eastern Account System of CT, Inc. regarding an alleged debt they claim is owed to XXXX. I previously canceled my XXXX service ( on XX/XX/year> and XX/XX/year> ) and returned equipment. I was told my account was closed, and I do not owe any additional balance. 

Despite this, I received collection messages and phone calls demanding payment. I have not received any written validation of the debt, nor an itemized bill showing how this balance was calculated. I dispute owing this debt in its entirety. 

I believe XXXX improperly referred this account to collections, and Eastern Account System is pursuing an invalid debt. This has caused me stress, confusion, and concern over potential harm to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: GA

Complaint narrative:
I pulled my credit report and noticed a fraudulent collection on my account. I have no association with this account. I have disputed and asked for validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
In late month of XXXX I got notified a Loan account has been voided and cancelled due to fraud between XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX. I've already got the bond company information with the signed XXXX contract with XXXX XXXX XXXX XXXX and am expecting reimbursement from them soon. However, due to this internal fraud, since my loan account has been avoided, I have not received my 2 month payments back from Lobel Financial and they said it is non refundable. I asked them if I have to get a Lawyer but they said it's because of the signed contract I had with them, however, I know they're suppose to refund 2 month payment because the loan became invalid and voided. XX/XX/XXXX is the date of my XXXX  XXXX XXXX XXXX of repossession without Lobel Financial 's authorization and acknowledge. I found out the car was repossessed simply by walking to my parking spot on private property and calling XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year>

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 2025-10-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I received a {$15.00} American Express virtual rewards card from XXXX  and it does not work anywhere furthermore I could not check it the balance at the website because it said they were invalid numbers yet I called American Express number on the card and they said the card was active and had a {$15.00} balance I asked them if I could get a new card number or a different card or what should I do and they were unhelpful

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I am writing to express my concern regarding the closure of my PayPal account. I believe this action was taken due to activities that were deemed inconsistent with the user agreement, and I strongly disagree with this decision. I have been a loyal PayPal customer and I have always valued the convenience and security that your platform offers. Throughout my time as a PayPal user, I have adhered to the terms and conditions outlined in the user agreement and have never intentionally violated any of its provisions. Unfortunately, the closure of my account has not only caused significant inconvenience but also affected my ability to conduct online transactions smoothly and efficiently. As a frequent user of PayPal for both personal and business purposes, this situation has had a detrimental impact on my financial activities. I kindly request a thorough review of my account and the circumstances surrounding its closure. I am confident that upon investigation, you will find that there may have been a misunderstanding or error in judgment regarding the activities associated with my account. I firmly believe that my account closure was a result of mistaken identity and I am willing to provide all the necessary identity documents needed. Furthermore, I would like to highlight my strong commitment to adhering to the user agreement and PayPal 's policies moving forward. I understand the importance of maintaining a secure and trustworthy platform for all users, and I am fully dedicated to upholding these standards. In light of the above, I respectfully request the immediate restoration of my PayPal account. I am willing to provide any additional information or clarification required to support my appeal. Moreover, I am open to participating in any necessary steps or actions to resolve this matter promptly and amicably.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
I have disputed this XXXXXXXX XXXX XXXX XXXX XXXX account XXXX separate times. Each time, the company has only sent me monthly billing statements. These do not constitute validation or proof that I legally owe the debt. 

I specifically requested : A copy of the original signed contract or electronic signature log, A full accounting from {$0.00} to the charged-off balance, Documentation of any insurance or charge-off claims, and Proof of XXXX legal standing or assignment rights. 

XXXX has failed to provide any of this information, yet continues to report the account as a charged-off balance on my credit reports. This is incomplete, inaccurate, and unverifiable reporting under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: NY

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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