vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 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: VA

Complaint narrative:
My problem with PayPal is this. I want to close my account and they won't let me. I have a XXXX balance I owe nothing and the account hadn't been active for over a year. When I called PayPal they told me I need to provide my bank account number just to close the account. When I asked why? They said it was just policy. That's ridiculous!! Their has been no activity on the account for over a year. I provided numerous identifications to prove I'm me. Drivers license, passport, military ID. They said none of that would work. They just want my account number. I find that a little strange. I just want to cut ties with these people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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 writing to formally report serious inaccuracies and fraudulent reporting on my credit file. 

Identity Theft : Certain accounts being reported do not belong to me. I have been a victim of identity theft and have already filed an FTC Identity Theft Report documenting this matter. 

Companies Reporting False Information : Specifically, XXXX XXXX XXXX XXXX XXXX and Green Dot are furnishing false and unverified information to Experian. These accounts have not been fully verified or validated as required under the law. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA 611 ( 15 U.S.C. 1681i ) requires that a consumer reporting agency conduct a reasonable reinvestigation of any disputed information.

FCRA 623 ( 15 U.S.C. 1681s-2 ) prohibits furnishers from reporting inaccurate or unverifiable information.

FCRA 605B ( 15 U.S.C. 1681c-2 ) requires a consumer reporting agency to block the reporting of information resulting from identity theft within 4 business days of receiving a valid identity theft report and proof of identity.

As I have already submitted my FTC Identity Th
eft Report, Experian, Equifax and Transunion is obligated under 605B to block the fraudulent information within 4 business days. If the information can not be verified, it must be permanently deleted from my credit file.

I am requesting that the Consumer Financial Protection Bureau
immediately investigate these violations and ensure Experians compliance with federal law.

Enclosed are copies of my FTC Identity Theft Report and supporting documentation.

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 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
Basically on my chime card it was two transactions that I did not make. One was fuel and XXXX XXXX of {$8.00} and then XXXX XXXX with the amount charged of {$34.00}. I submitted a dispute with everything I waited to hear back from them for about a week or so and they said it has been denied they even shipped me a new card. Once I got the card I called a chime customer support representative and they stated that they couldnt help with unauthorized charges once its denied which is crazy if Im saying my card was stolen y would I get denied thank u for the new card but I just need my money back as well. Chime has been getting a lot of complaints about not giving people their refunds and I am one of those people!!! This is terrible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Larry H. Miller Group of Companies
State: SC

Complaint narrative:
Consumer financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal complaint regarding a vehicle purchase and financing agreement involving XXXX XXXX XXXX and Prestige Financial Services, both of which have failed to provide me with a signed copy of the contract despite nearly two years of ongoing payments. 
Since the date of purchase in XX/XX/XXXX, I have made consistent monthly payments toward the vehicle. However, I have not received a copy of the signed contract outlining the terms of the agreement. Additionally, I have discovered that the majority of my payments have gone toward interest, with little to no reduction in the principal balance raising serious concerns about the fairness and transparency of the loan terms. 
These issues appear to violate provisions of the Truth in Lending Act ( TILA ), which requires clear disclosure of loan terms, including interest rates, payment schedules, and total cost of credit. Furthermore, if inaccurate or incomplete information has been reported to credit bureaus, this may also constitute a violation of the Fair Credit Reporting Act ( FCRA ). 
I respectfully request that your office investigate the following : 1. The failure to provide a signed copy of the financing agreement.

2. The structure and application of payments toward interest vs. principal.

3. Any potential misrepresentation or omission of loan terms.

4. Any inaccurate reporting to credit bureaus related to this account.

I am a resident of XXXX XXXX and am submitting this complaint in accordance with both federal protections and state consumer rights. I am prepared to provide documentation of my payment history and communications with the dealership and lender upon request. 
Thank you for your attention to this matter. I look forward to your guidance and assistance in resolving this issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
XXXX XXXX XXXX is attempting to collect an alleged American Express debt and has provided conflicting and inaccurate information. Two letters for the same account ( ending in XXXX, XXXXXXXX XXXX # XXXX ) show different balances : {$5000.00} on XX/XX/year>, and {$5000.00} on XX/XX/year>. I requested full validation, including proof of the debt and explanation of the balance, but they have not provided the information. This violates the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I am requesting that this account be properly validated or removed and that all inaccurate reporting be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates , LLC. sent me an outdated debt validation statement that omitted the information I had requested. Despite sending them a cease and desist letter, they continued to collect the debt, even after their repeated failures to validate it twice. They also repeatedly called me when I requested only written communication. Their request was unprofessional, and I require a thorough investigation into their practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: CA

Complaint narrative:
Re : Request for Deletion of Charge-Off Accounts I am writing to formally dispute the reporting of charge-off accounts on my credit file. Pursuant to IRS Publication 4681 Canceled Debts, Foreclosures, Repossessions, and Abandonments, charge-offs are classified as canceled debt, which the IRS considers to be taxable income. 

As such, once a creditor has charged off or canceled a debt, it is no longer a collectible liability but instead becomes income for tax purposes. Importantly, income can not be reported on consumer credit reports, as credit bureaus are authorized only to report information about debts, credit obligations, and repayment history. Reporting income, particularly as a negative tradeline, is inaccurate, misleading, and not permissible under the Fair Credit Reporting Act ( FCRA ). 

Therefore, I demand the immediate removal of the following charge-off accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Charged Off ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Revolving Charged Off ), XXXX XXXX XXXX XXXX XXXX Revolving Charged Off XXXX XXXX XXXX XXXX XXXX Revolving  Charged Off ). 

Since these accounts are no longer valid debts and have been converted into income by IRS standards, their continued presence on my credit report constitutes inaccurate reporting. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to ensure that all information in consumer files is accurate, complete, and not misleading. 

I expect these charge-off accounts to be deleted immediately and confirmation sent to me in writing. Please also provide me with an updated copy of my credit report reflecting these deletions. 

Thank you for your prompt attention to 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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Re : Request for Deletion of Charge-Off Accounts I am writing to formally dispute the reporting of charge-off accounts on my credit file. Pursuant to IRS Publication 4681 Canceled Debts, Foreclosures, Repossessions, and Abandonments, charge-offs are classified as canceled debt, which the IRS considers to be taxable income. 

As such, once a creditor has charged off or canceled a debt, it is no longer a collectible liability but instead becomes income for tax purposes. Importantly, income can not be reported on consumer credit reports, as credit bureaus are authorized only to report information about debts, credit obligations, and repayment history. Reporting income, particularly as a negative tradeline, is inaccurate, misleading, and not permissible under the Fair Credit Reporting Act ( FCRA ). 

Therefore, I demand the immediate removal of the following charge-off accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Charged Off ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Revolving Charged Off ), XXXX XXXX XXXX XXXX XXXX Revolving Charged Off XXXX XXXX XXXX XXXX XXXX Revolving  Charged Off ). 

Since these accounts are no longer valid debts and have been converted into income by IRS standards, their continued presence on my credit report constitutes inaccurate reporting. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to ensure that all information in consumer files is accurate, complete, and not misleading. 

I expect these charge-off accounts to be deleted immediately and confirmation sent to me in writing. Please also provide me with an updated copy of my credit report reflecting these deletions. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Opportunity Financial, LLC
State: MI

Complaint narrative:
I am writing to formally dispute this alleged debt. I am unfamiliar with this account and have no recollection of incurring this debt.

This is a formal request for validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide me with the following PHYSICAL documentation and information to validate this debt : 1. Documentation that identifies the original creditor, including the original account number.

2. Documentation that establishes that you are legally entitled to collect this specific debt, such as the contract or assignment agreement.

3. A complete payment history for this account, from the time of the original creditor to the present date.

4. Copies of any contract, agreement, or other documentation signed by me ( or an authorized party ) showing my agreement to pay the alleged debt.

5. The exact date of the last payment made on this account.

6. The exact amount of the debt, including a breakdown of the principal, interest, fees, and any other charges.

7. Documentation showing that the statute of limitations for collecting this debt has not expired in my state.

Cease and Desist of Collection Activity : Until you provide the complete and proper validation of this debt as requested above, you must cease all collection activity and any attempts to contact me regarding this matter. Failure to provide validation within 30 days of your receipt of this letter will be considered an admission that the debt is invalid or uncollectible, and I will require you to cease all collection efforts and remove any negative information related to this account from all three major credit bureaus ( XXXX, XXXX, and XXXX  ).

Please send all future correspondence to this address : XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: NY

Complaint narrative:
Equifax Information Services, LLC XXXX. XXXX  XXXX XXXX, GA XXXX Experian Information Solutions , Inc. 
XXXX XXXX  XXXX XXXX, TX XXXX TransUnion XXXX XXXX. XXXX XXXX  XXXX, PA XXXX Re : Formal Final Notice of Dispute Pending Attorney Action To Whom It May Concern, This letter serves as final notice regarding my numerous disputes sent to your agencies concerning inaccurate, incomplete, and fraudulent information reported under my consumer credit file. I have sent each agency over ten ( 10 ) certified dispute letters providing : Proof of identity theft Proof of my legal identity Metro 2 compliance requirements demonstrating the reporting violations Despite my repeated submissions, your responses have falsely stated that the information has been verified as accurate. This is knowingly untrue and constitutes continued violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 reporting standards.

Further : FCRA 611 ( 15 U.S.C. 1681i ) requires a reasonable investigation of all disputes. Your repeated verified responses without proper reinvestigation are in violation. 

FCRA 623 ( 15 U.S.C. 1681s-2 ) prohibits furnishing inaccurate information to CRAs. By continuing to publish disputed and false information, you are knowingly complicit in violations.

FDCPA violations apply to any third-party collection items you continue to report that can not be validated as required under 15 U.S.C. 1692g.

Metro 2 standards mandate proper coding of disputed and identity theft accounts, which you have failed to follow. 

I have already consulted with legal counsel regarding these matters. Unless you fully address and resolve ALL prior disputes within seven ( 7 ) days of receipt of this letter, I will be signing over all records of my disputes, proof of your violations, and proof of my certified mailings to my attorney for immediate legal action. 

Be advised : continuing to publish knowingly false and inaccurate information after being provided notice constitutes willful noncompliance, entitling me to statutory damages, actual damages, and attorneys fees under FCRA 616, 617 and related statutes. 

You are hereby on notice. I expect prompt correction, deletion, and a full investigation in compliance with federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: NV

Complaint narrative:
Several accounts that were previously removed from my credit report due to a verified identity theft dispute were reinserted without my consent, notification, or any lawful reinvestigation. These accounts include a closed XXXX XXXX XXXX account, a closed XXXX XXXX XXXX  XXXX account , and a closed XXXX XXXX Credit account . The credit reporting agencies failed to follow the procedures required under the Fair Credit Reporting Act ( FCRA ), including : Providing written notice of reinsertion within 5 business days.

Conducting a proper reinvestigation of the accounts before reinsertion.

Providing the method of verification when requested.

Ensuring furnishers properly investigated the dispute as required.

As a result of these actions, my creditworthiness has been harmed, impacting my ability to obtain loans, credit, and other financial services. The reinsertion was willful, violating federal consumer protection laws, including FCRA 1681i, 1681s-2, and Gramm-Leach-Bliley Act 6801. 

Dates and actions : Original block-and-delete request submitted : XX/XX/year> Reinserted accounts noticed on credit report : XX/XX/year> Documentation provided : FTC Identity Theft Report, government ID, proof of address I am requesting that the accounts be permanently deleted and that I be compensated for statutory and actual damages caused by these unlawful actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: NV

Complaint narrative:
Several accounts that were previously removed from my credit report due to a verified identity theft dispute were reinserted without my consent, notification, or any lawful reinvestigation. These accounts include a closed XXXX XXXX XXXX account, a closed XXXX XXXX XXXX  XXXX account , and a closed XXXX XXXX Credit account . The credit reporting agencies failed to follow the procedures required under the Fair Credit Reporting Act ( FCRA ), including : Providing written notice of reinsertion within 5 business days.

Conducting a proper reinvestigation of the accounts before reinsertion.

Providing the method of verification when requested.

Ensuring furnishers properly investigated the dispute as required.

As a result of these actions, my creditworthiness has been harmed, impacting my ability to obtain loans, credit, and other financial services. The reinsertion was willful, violating federal consumer protection laws, including FCRA 1681i, 1681s-2, and Gramm-Leach-Bliley Act 6801. 

Dates and actions : Original block-and-delete request submitted : XX/XX/year> Reinserted accounts noticed on credit report : XX/XX/year> Documentation provided : FTC Identity Theft Report, government ID, proof of address I am requesting that the accounts be permanently deleted and that I be compensated for statutory and actual damages caused by these unlawful actions.

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 2025-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: SC

Complaint narrative:
In XX/XX/year>, my student loans servicer, South Carolina Student loan, reported late payments on my account to XXXX  and XXXX. I was never contacted, notified, or provided any communication about a missed or late payment before this reporting. Please remove all late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for the Citi XXXX XXXX card at the end of XX/XX/XXXX. The account was approved after verification, but shortly after, the card was repeatedly locked by the fraud department. I was able to unlock it at the end of XXXX after completing a second verification, which required receiving a code they mailed to my address. 

Two weeks later, the card was locked again, but this time it was not due to a fraud alert. Instead, Citis credit management team required me to form XXXX. At the same time, Citi also blocked my Citi XXXX card, which I have held since XXXX. 

Citi instructed me to wet sign the form they mailed and return it within 30 days. I explained that this was not possible because I had a travel alert on my account and was traveling internationally. I offered to send the form electronically, but Citi refused. When I explained my situation, a Citi representative told me, Thats on you. 

I attempted to escalate the matter through Citis Executive Response Unit, but they did not provide assistance. I then requested that Citi cancel my credit cards and refund the annual fee. Citi refused, stating that no action would be taken unless I mailed the form before XX/XX/XXXX. 

As a result, I was unable to use either card despite paying annual fees, and Citi has not provided a reasonable solution.

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 monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has continued to report the above derogatory late payments without providing the documents I requested on XX/XX/year>. This failure to reinvestigate and supply proof within the required timeframe is a violation of FCRA 611 ( 15 U.S.C. 1681i ). XXXX continued reporting of unverifiable late payments demonstrates willful noncompliance under FCRA 616617. I request the deletion of derogatory notations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: LA

Complaint narrative:
Equifax is in violation, this is an old account that was DELETED & RE-INSERTED BACK ON MY CREDIT FILE... 

XXXX XXXX  ACCOUNT NUMBER XXXX

Company response to consumer: Closed with non-monetary relief