vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I use my banks online bill pay service to make credit card payments. I intended to send a payment of {$2600.00} to XXXX XXXX, but the payment was accidentally sent to my American Express account in error. 

I contacted American Express on XX/XX/XXXX and was told that the payment was still pending. I contacted American Express again on XX/XX/XXXX, at which time I was told that the funds could be returned via wire transfer. I provided my bank information as requested. They gave reference number XXXX. 

By Monday, XX/XX/XXXX, I had not received the funds. I contacted American Express again via chat, where a representative named XXXX informed me that the funds were still under manual review and that the refund would only be sent after the review was completed. 

I asked for a timeframe for completion of this review, but I was told that no timeframe was available. I requested to speak with a manager and was told that all managers follow the same policies and could not provide additional assistance. 

I then attempted to call American Express and waited on hold for approximately 15 minutes without reaching a representative before disconnecting. 

At this point, {$2600.00} in funds is being held with no stated timeline for resolution. I am requesting that the payment be refunded back to my bank account and that I be provided with written confirmation of the refund timeline.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-15 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 don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
Dear CFPB, Hope you are well. 

I made two purchases using PayPal on XXXX in XX/XX/year>. The PayPal transaction IDs are XXXX and XXXX. 
PayPal incorrectly coded both transactions as cash advances without providing any prior notice or disclosure during checkout. As a result, my credit card issuer, XXXX, charged me {$20.00} in cash-advance fees plus interest for these transactions against the card I linked to Paypal. 
I contacted XXXX, PayPal, and XXXX seeking an explanation and resolution. Unfortunately, each party redirected responsibility to the others, and none provided a clear explanation or meaningful assistance to resolve the issue or reimburse the fees and interests incurred. 
After researching this issue online, I found that many PayPal users experienced similar problems, particularly with transactions in XX/XX/year>, where PayPal transactions were unexpectedly coded as cash advances, leading to fees and interest charges from credit card issuers. This suggests a broader systemic issue rather than an isolated incident. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter, including PayPals transaction coding practices and disclosure obligations. I also request that the party determined to be responsible be required to compensate affected consumers for any resulting financial losses, including fees and interest. 
Thank you for your attention to this matter. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I was hacked several fraudulent gift card charges. All were credited back to me but a Target charge of XXXX I called them and they issued a temporary credit of XXXX and an additional XXXX credit on my card on XX/XX/XXXX statement.I called about what the additional XXXX credit was but never got a answer why! Then on the XX/XX/XXXX statement a total of XXXX was added back on my account. I have been calling every month since and spoken to a fraud supervisor to especially remove that added XXXX. I finally received a letter dated XX/XX/XXXX that they had debited their error of the additional XXXX charge on XX/XX/XXXX which they never did as it is still on my monthly statements! I have tried to call them but, am directed to a bill collector number! Please help I have been wronged by Target

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts and request a thorough review and correction of my credit report. The accounts listed below are showing inaccuracies and/or incomplete reporting.

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$6900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2900.00} Late Payments : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-15 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 am requesting the investigation and removal of accounts on my credit report that were fraudulently opened without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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 did not authorize this inquiry, nor did I apply for or initiate any request for credit with this company. Pursuant to the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b and 1681e, only inquiries made with a consumers permissible purpose and express authorization may be reported on a consumers credit file.

Because I did not grant authorization for this company to access my credit information, I am formally requesting the immediate removal of this unauthorized inquiry from my credit report. If you are unable to provide documented proof that I provided valid authorization or that a permissible purpose existed, you are required under the FCRA to delete this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — FHA mortgage
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: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
Hello, My husband and I have requested a short sale on our property through Penny Mac Mortage company. They will not respond to phone calls, messages left on voicemail, or email correspondence. My husband, our realtor and I have tried to work with this lender for XXXX months regarding a short sale. We started the process in XXXX of 2025. Multiple times they took our information and stated they would send out a " packet '' to fill out for short sale. We never received said packet. We would instead receive letters stating our short sale was denied because we didn't submit our request in a timely fashion. We have verified with customer service agents the address they have on file for us and it is correct. 
This happened XXXX times within a ten-month period. 
Our realtor emailed our " point of contact '' which has changed XXXX times. Every time we have emailed with questions, we either get no response or get a response to call their customer service line. When we call, this customer service line we are trapped in a vicious circle of automated messages. There is no option to enter the extension of the said " point of contact '' we can not speak to anyone directly. We are passed by agents to our " point of contact '' whom we doubt exists, because the message is never returned. No one has been able to provide any information about the process or the status of the offer. 
At one point we were wrongly advised by an agent that we did not qualify for a short sale due to FHA guidelines. Our realtor investigated this guideline thoroughly and it turns out what PennyMac reported was false. After being told this, we received a form letter from Penny Mac saying we could " please submit any offer promptly for review. '' We feel Penny Mac has purposely jeopardized any opportunity for us to sell our property before foreclosure. We are trying to resolve a loan in good faith, but they will not cooperate. Not only do they refuse to cooperate, but it seems they are actively sabotaging our efforts. 
The house is now in foreclosure. We are still hopeful we can submit an offer as a date of sale has not been set. But PennyMac is not only uncooperative it seems they have purposely set a system in place that is impossible to communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/year> a XXXX deposit of XXXX was transfered to our then {$0.00} balanced pnc account. They accepted the deposit on XX/XX/year> and closed the account the next day. Making it so we couldn't access those. When we called to see why we haven't received a reversal on the deposit back to XXXX they told us that the account was in the negative and that money was used to pay it off. They then told us that the account was negative XXXX. But we have proof that that amount was reversed back to the credit line. So we want the money deposited back. So we can pay our stuff a different way. This was money donated to us. We didn't think PNC would do this when we already made a deposit to bring the account back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: OH

Complaint narrative:
Transunion is reporting a XXXX  XXXX  on my credit report and has made claim that they verified the XXXX  with the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have reached out to the XXXX XXXX XXXX XXXX XXXX XXXX and they provided me information stating that they do not report or validate any information with any credit bureaus including Transunion, XXXX XXXX XXXX nor XXXX XXXX. This unverified public record is cause me issues.

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 2025-12-15 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: CA

Complaint narrative:
The absence of verifiable evidence supporting the accuracy of this account, coupled with the reporting of unverified information, constitutes a violation of 15 U.S.C. 1681i ( 7 ). This failure to comply with legal requirements is both concerning and frustrating, given the importance of ensuring accurate and fair reporting.

I hereby request the immediate removal of this account unless verifiable documentation is provided to substantiate its validity. Delays in resolving this matter exacerbate the impact of noncompliance with regulatory and legal standards.

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 2025-12-15 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1666b ( a ) Time to make payments, A credit may no
t treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute request regarding inaccuracies and discrepancies found in my credit report across the XXXX XXXX  credit bureaus Equifax ( EQ ), and The following accounts and details are in dispute : Charged Off : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$3500.00} Late Payments : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: NATIONAL DEBT RELIEF LLC
State: AZ

Complaint narrative:
Company : National Debt Relief, LLC Type of Complaint : Debt relief / debt settlement services Consumer Name : XXXX XXXX XXXX Time Enrolled : Approximately XXXX years Complaint Summary : I am submitting this complaint regarding National Debt Relief, LLC ( NDR ) for misrepresentation of services, excessive fees, lack of transparency, and financial harm resulting from their debt relief program. 

I enrolled in the National Debt Relief program approximately XXXX and a half years ago. During this time, I have paid a substantial amount of money into the program. However, the majority of my payments were applied to National Debt Reliefs fees, not to resolving my actual debts. 

I was instructed by National Debt Relief not to pay my creditors directly, which resulted in increased balances, collection activity, and legal exposure. Several accounts progressed to third-party collection agencies and law firms as a result. 

I am currently facing overlapping and unaffordable settlement demands, including : A prior settlement with XXXX XXXX XXXX  A proposed settlement related to XXXX, now allegedly owned by a third-party debt buyer An unresolved XXXX XXXX  settlement issue, in which XXXX contacted XXXX directly outside of National Debt Reliefs coordination National Debt Relief presented a XXXX settlement offer with payment terms that were not affordable when combined with other obligations. I was not adequately advised of the cumulative financial impact of multiple settlements occurring simultaneously. 

Additionally, I believe National Debt Relief failed to clearly disclose : How long fees would be prioritized over debt settlement The likelihood of creditor lawsuits during enrollment The realistic timeline and risks associated with nonpayment of debts After XXXX years in the program, I was left in a worse financial and legal position than when I began. 

I have now terminated my enrollment and requested a full accounting of all fees paid versus funds applied to creditor settlements. 

Desired Resolution : A full regulatory review of National Debt Reliefs fee practices and disclosures A detailed accounting of all fees charged and funds applied Any relief or corrective action deemed appropriate by the CFPB

Company response to consumer: Closed with explanation