vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
Subject : PayPal Refused {$870.00} Refund for Unauthorized Balance Theft ( Case XXXX ) Product : Virtual Currency Issue : Fraud or Scam Unauthorized Transaction Company : PayPal Complaint Details : I demand a full refund of {$870.00} stolen from my PayPal account balance via XXXX unauthorized cryptocurrency transactions between XXXX XXXX XXXX PayPal closed my fraud case ( XXXX ) despite irrefutable evidence of account hacking. 

* * Evidence of Fraud * * : 1. * * Account Compromise ( XX/XX/XXXX ) * * : - XXXX credit cards removed without authorization ( see XXXX ). 
- This occurred AFTER fraudulent transactions, proving ongoing hacking. 

XXXX. * * Unauthorized Transactions * * : - * * Cryptocurrency Transfers ( {$570.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX. * * PayPal 's Violations * * : - Falsely claimed transactions were " authorized via billing agreement '' ( impossible for crypto per User Agreement XXXX ). 
- Ignored proof of card removals and XXXX fraudulent transactions. 
- Closed case XXXX XXXX XX/XX/XXXX without investigation ( see XXXX ). 

* * XXXX Attempts * * : - Reported fraud immediately on XX/XX/XXXX ( XXXX XXXX ). 
- Provided all transaction IDs and hacking evidence ( see XXXX ). 
- Received denial on XX/XX/XXXX claiming " no unauthorized use '' ( XXXX ). 

* * Demand * * : XXXX. XXXX refund of {$870.00} + statutory penalties. 
XXXX. Reopen case with senior fraud XXXX. 
XXXX. PayPal compliance audit under Regulation XXXX. 

* * Attached Evidence * * : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  price verification ( XXXX ) I certify under penalty of perjury that this information is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
I am submitting this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., regarding inaccurate and unverifiable information being reported by several furnishers to the credit bureaus, as well as unauthorized inquiries appearing on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-09 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: TX

Complaint narrative:
I am writing to formally dispute fraudulent entries currently listed on my credit report. These accounts do not belong to me, were not authorized by me, and have no connection to my personal financial history.

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 2025-07-09 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of all accounts included in attached dispite letters as well as FTC report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( ) XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
A debt collection company by the name of Jefferson capital has posted a fraudulent collection on all XXXX of my credit reports. Ive disputed it many times they remove it then they place it back and they even increase the balance. they have faily to provide proof of claim of original signature and a copy of my original photo ID

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: TX

Complaint narrative:
Ive reached out asking for all information used to be granted this account this isnt mine & I have never used this company for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing a collection account that has been reported to my credit report by XXXX XXXX. I never applied for credit, services, or entered into any agreement with this company. I did not authorize the reporting of this account, nor did I provide written consent for my information to be shared or accessed.

This is a direct violation of 15 U.S.C. 1681b, which requires a permissible purpose ( including written consent ) before accessing or furnishing a consumers credit information. The collection agency failed to obtain this permission. Additionally, this may be a violation of 15 U.S.C. 1681s-2 ( a ), which prohibits the reporting of inaccurate or unverifiable information. 

I am requesting a full investigation and the immediate deletion of this unauthorized account from my credit report, as required under the Fair Credit Reporting Act. I am also requesting documentation proving their permissible purpose and my written authorizationif none exists, this account must be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
I am disputing a collection account that has been reported to my credit report by XXXX XXXX. I never applied for credit, services, or entered into any agreement with this company. I did not authorize the reporting of this account, nor did I provide written consent for my information to be shared or accessed.

This is a direct violation of 15 U.S.C. 1681b, which requires a permissible purpose ( including written consent ) before accessing or furnishing a consumers credit information. The collection agency failed to obtain this permission. Additionally, this may be a violation of 15 U.S.C. 1681s-2 ( a ), which prohibits the reporting of inaccurate or unverifiable information.

I am requesting a full investigation and the immediate deletion of this unauthorized account from my credit report, as required under the Fair Credit Reporting Act. I am also requesting documentation proving their permissible purpose and my written authorizationif none exists, this account must be deleted immediately.

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 2025-07-09 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:
I am disputing a collection account that has been reported to my credit report by XXXX XXXX. I never applied for credit, services, or entered into any agreement with this company. I did not authorize the reporting of this account, nor did I provide written consent for my information to be shared or accessed.

This is a direct violation of 15 U.S.C. 1681b, which requires a permissible purpose ( including written consent ) before accessing or furnishing a consumers credit information. The collection agency failed to obtain this permission. Additionally, this may be a violation of 15 U.S.C. 1681s-2 ( a ), which prohibits the reporting of inaccurate or unverifiable information. 

I am requesting a full investigation and the immediate deletion of this unauthorized account from my credit report, as required under the Fair Credit Reporting Act. I am also requesting documentation proving their permissible purpose and my written authorizationif none exists, this account must be deleted immediately.

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 2025-07-09 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-07-09 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:
The Equifax credit breach in XXXX affected my personal information allowing hackers to sell my personal information on the XXXX market. This has cause numerous financial impact and stress to me. I found an inaccurate negative items on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable items on 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 2025-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Credit acceptance will seemingly only offer financing for older vehicles with high mileage and excessive issues. In my case they would only finance a single vehicle in the lot which was an As-is XXXX XXXX XXXX, with XXXX miles, which leaked oil, needed new tires, brakes, and headlights. This was known at the time of the purchase, but I literally had no other options, as our vehicle had just been totaled and we had almost no down payment, as we had recently purchased another vehicle. After purchasing and driving the vehicle for a bit, we noticed shaking and rough shifting. Which the shaking was diagnosed as misfires due to the oil leak. We were also told the transmission may be failing and to take it to a transmission specialist. Called CAC for warranty information, and was provided the phone number. Warrant expired very soon, so we get it in to get the transmission looked at. The techs told us that the fluid was so burned they 1. ) were unsure if it had ever been changed, and 2. ) they could not see well enough to tell whether or not there was metal in the fluid. They ended up telling us, given the condition of the fluid, failure is likely, but they cant confirm due the opacity of the fluid, so warranty claim denied. CAC literally wouldnt even finance a vehicle that had at least been made to run safely. Now we are stuck in a lemon of a vehicle, about 1.5 months behind on payments because of all the extra costs of maintenance, and topping off fluids, not to mention the atrocious fuel consumption due to the failing transmission and misfire that they refused to make right. We are upside down due to this and the insane 25 % interest rate on a vehicle which is pretty much guaranteed to have issues since they wont even have the dealership look at it or repair ANYTHING.

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 2025-07-09 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: CA

Complaint narrative:
I disputed two accounts on my Experian credit report : a charged-off vehicle loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) opened on XX/XX/XXXX, and charged off in XX/XX/XXXX, with a balance of {$8700.00} ; and an associated collections account from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, showing an original balance of {$8800.00} and a current balance of {$14000.00}, which likely includes fees and interest. However, the small discrepancy between the original balances ( {$8700.00} vs. {$8800.00} ) raises questions about the accuracy of the reporting. Neither account appears on XXXX  or XXXX  reports. Both accounts are scheduled to be removed by Experian in XX/XX/XXXX. 

I requested that Experian investigate and remove or correct these accounts due to inconsistent reporting, the unexplained increase in the collections balance, and the impact on my credit score, which is affecting my ability to lease an apartment. Experian denied my dispute without providing any rationale or verification documentation. I have not had any contact from either the original lender or the collection agency to renew or validate the debt.

I am seeking a proper investigation and correction so that my credit reports are accurate and consistent across all three bureaus.

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 2025-07-09 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: FL

Complaint narrative:
I am contacting you to formally dispute fraudulent credit information currently listed in my file. These entries were added without my knowledge or consent and are completely unrelated to any legitimate activity on my part.

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 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
I am disputing a collection account that has been reported to my credit report by absolute resolutions. I never applied for credit, services, or entered into any agreement with this company. I did not authorize the reporting of this account, nor did I provide written consent for my information to be shared or accessed.

This is a direct violation of 15 U.S.C. 1681b, which requires a permissible purpose ( including written consent ) before accessing or furnishing a consumers credit information. The collection agency failed to obtain this permission. Additionally, this may be a violation of 15 U.S.C. 1681s-2 ( a ), which prohibits the reporting of inaccurate or unverifiable information. 

I am requesting a full investigation and the immediate deletion of this unauthorized account from my credit report, as required under the Fair Credit Reporting Act. I am also requesting documentation proving their permissible purpose and my written authorizationif none exists, this account must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
This letter is to formally notify you that my credit report contains fraudulent accounts resulting from identity theft. I did not open or authorize these accounts, nor am I responsible for any associated balances or 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 2025-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
The mortgage was transferred between multiple different company 's. was refused forbearance even with a attorney. The payment each month almost doubled with no reason what so ever and no explanation. Was told assistance wasn't available until 6 months negligence. Then at 6 months for closure was started. A sertified letter for request of validation of debt was sent to the debt collector that has the debt now. There was No response to the validation of debt request except letter of threats of foreclosure and suggestions to get a attorney or else. If I'm not mistaken it is illegal to continue to seek debt collection or for close if ome hasn't responded to a request for validation of debt. It's been way over 30 days. XXXX different companies call send letters but never leave a voicemail for what reason I do not know. I have hired a attorney also. But he stated it was ok for me to still file this complaint.

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 2025-07-09 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: VA

Complaint narrative:
Cash App denied my dispute with XXXX after seeing correspondence from myself and the merchant where XXXX promised to provide a refund back to my account, then days later after me inquiring about the refund, I was told the refund would not be processed after I was already told it was being done days prior. Cash App needs to refund my money back to my account as there was no absolute reason why they allowed this payment to fully process once the merchant stated they submitted a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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