vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Company : PayPal , Inc . 

What happened : I purchased jewelry from XXXX XXXX XXXX and returned it using the prepaid USPS shipping label they provided. USPS tracking shows the item was delivered on XX/XX/year>, at XXXXXXXX XXXX  to the sellers address in XXXX XXXX XXXX XXXX. I also have an email from XXXX XXXX  confirming receipt of the return and offering only store credit minus a restocking fee. 

Despite this proof, PayPal denied my dispute. PayPal stated that I did not use the correct address provided in their system, even though the seller issued the prepaid return label and admitted in writing that they received the merchandise. 

In addition, PayPal representatives repeatedly told me I was supposed to send them something. This instruction made no sense, because the seller already had the jewelry in their possession. What I did provide USPS tracking showing delivery and the sellers own email confirming receipt was ignored. 

Why this is a problem : PayPal sided with the seller based on false information and a technicality, not on the actual evidence. 

USPS tracking and the sellers own email both prove the item was returned and received.

PayPal ignored these facts and closed my case, leaving me without my refund.

This shows PayPals buyer protection process failed and unfairly harmed me as a consumer. 

What I want : I am requesting that PayPal : Reopen my dispute. 

Review my USPS proof of delivery and the sellers email acknowledging receipt.

Issue a full refund of {$200.00} to my original payment method.

Supporting evidence available : USPS receipt and tracking delivery confirmation.

Sellers email confirming receipt of my return. 

PayPals dispute closure notice.

Record of PayPals repeated instructions that I should send something, despite having nothing to send because the seller already had the product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding XXXX XXXX XXXXXXXX, as I was a paying customer with them beginning in XXXX through XXXX. I paid for their credit repair services for an extended period of time, but I recently learned of the CFPBs enforcement action against XXXX XXXX and related firms requiring them to provide consumer restitution. 

Despite my long history as a client and the payments I made, I have not received any notice, refund, or restitution check. I believe I am entitled to relief as part of this settlement. 
I was a XXXX XXXX  client from approximately XXXX through XXXX. 
I paid recurring monthly fees of approximately [ insert amount ]. 
These payments were made through [ bank/credit card name ]. 
To date, I have not been contacted by the settlement administrator, nor have I received any payment. 

From the beginning of my relationship with XXXX XXXX through XXXX, I was repeatedly targeted with marketing emails promising fast or guaranteed improvements to my credit score and the removal of negative itemsresults that were never delivered. They eventually stopped emailing me, but in XX/XX/XXXX, right when people not myself started getting those settlements. 

This misleading and persistent advertising caused me financial and emotional harm, and I have documents and records to show proof of my relationship with XXXX XXXX and the payments I made. 

During the time I was a customer, I faced significant personal and financial challenges, including caring for my daughter who suffers from an XXXX  XXXX and experiencing job loss. These circumstances made me especially vulnerable, and the deceptive marketing and false promises from XXXX XXXX caused additional stress and hardship. The restitution I am requesting is not only for the fees I paid, but also to acknowledge the undue burden and hardship I endured as a result of their practices. 

I request that the CFPB review my case and ensure that full restitution is made for all fees I paid, plus any additional restitution warranted by the ongoing harassment and deception I experienced. I frame this request not only as a matter of law, but as a matter of justice and restoration, aligning with the principle that what was unjustly taken should be restored to the rightful owner XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you for your assistance and for helping ensure that truth and fairness prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: NE

Complaint narrative:
On XX/XX/year>, the company IC Systems contacted me again asking for someone who isn't me. They have contacted me multiple times but on XX/XX/scrub>XXXX XXXXXX/XX/year>, as well as others. Never asking for me, but always asking for other people. I have told them that it isn't me and they claim to remove me from the list, yet a few days later I get another call from them. They are rude, they are hostile, they refuse to give me any information about themselves. Then when I start to tell them my issues and how that isn't me, they hang up.

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 2025-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I leased Apartment XXXX at XXXX in XX/XX/XXXX and moved out on XX/XX/XXXX. During the tenancy, XXXX  recordkeeping appeared unreliable. For example, on XX/XX/XXXX, I received an eviction notice even though I had paid rent ; XXXX later acknowledged they misplaced my check and then found it. 

After move-out, XXXX sent me a final account statement that billed me for damaged carpet and damaged blinds in XXXX  XXXX ( not my unit ). The packet included photos and a floor plan for XXXX XXXX, which is a different layout than XXXX XXXX. I have never lived in XXXX XXXX. 

I immediately disputed the charges by email/phone and provided move-out photos of XXXX XXXX. XXXX removed the blinds charge but left the carpet charge for XXXX XXXX. I asked for proof specific to XXXX XXXX, including ( XXXX ) move-out inspection/condition report for XXXX, ( XXXX ) dated photos of any damage in XXXX, and ( XXXX ) an itemized carpet invoice for XXXX. XXXX  has not provided any documentation tied to XXXX ; they continue to reference XXXX. 

On XX/XX/XXXX, the account was placed with XXXX for collection in the amount of {$380.00}. XXXX is now reporting this collection to the credit bureaus, which is harming my credit. I again disputed the debt with the collector and requested validation specific to XXXX XXXX. I have not received adequate documentation showing that any carpet damage occurred in my unit or that repairs were performed in my unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me.

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility.

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even XXXX day longer than necessary.

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 2025-09-12 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: PR

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-09-12 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: FL

Complaint narrative:
This is a follow-up complaint regarding XXXX  's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. XXXX  has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-09-12 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: OH

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation.

Account Details : 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 2025-09-12 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Synovus Bank
State: VA

Complaint narrative:
I requested my checking account to be closed with Synovus Bank in XXXX Ga. There was a fee to close it, but was suppposed to be calculated into what was left in the account. Apparently, there was a technical error that messed up the math so it looks like the account was overdrawn. I've talked with them and they told be it was an error on their end. It still went to XXXX collection agency. I've talked with them and they were going to talk with Synovus. It seemed like they were both going to correct the error, but the collection fee keeps increasing. I'm getting a little upset that I owe money for someone elses error. I understand that XXXX is doing their job, but It seem like Synovus Bank has tech problems they don't want to own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My identity was compromised. Attached a letter of breach of data. I need all these negative accounts removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I signed up for a credit card where the terms were 0 % APR for the XXXX XXXX billing cycles. I have had XXXX billing cycles now and on the XXXX one they started charging interest on my full balance. I requested when the end date of the 0 % APR is or was and the rep did not know when it ended. On my XXXX statement it showed the full balance with 0 % APR without any date of when it will end. My XXXX statement showed that they are now charging interest during this statement at an unknown date. The rep submitted a dispute on the interest charge and it was automatically declined. From the terms of the promo the 0 % APR should end after my XXXX statement as my XXXX billing cycle ended XX/XX/XXXX. They should disclose this end date in the statement and the Rep should be able to see when it ends.

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