vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I haven not opened this card. I find out in my credit report big credit card from CITI Bank which was opened not by me. I have already called to the bank couple time to report about fraud but they didnt take any actions. I was trying to report and dispute it with XXXX but it didnt work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I am submitting this formal complaint regarding unauthorized account activity and serious financial errors related to my long-standing PayPal account .

I have had an active PayPal account linked to the same checking account for many years. A few months ago, I was sent a PayPal credit card that I did not request or authorize. I was informed by a PayPal representative that this was an upgrade, even though I never applied for a credit card and never consented to one being issued.

The card in question was never activated. I shredded it upon receipt and took no action to enable or use it. Despite this, PayPal appears to have transferred a PayPal Pay Later balance to this unactivated credit card, and then processed a payment using a checking account that does not belong to me. 

Funds were withdrawn from my XXXX daughters checking account, which is completely separate from my own and was never linked to my PayPal account. Neither my daughter nor I authorized this transfer, and neither of us provided her banking information to PayPal at any time. The withdrawal caused confusion and financial disruption, ultimately requiring her to close her checking account and debit card to prevent further unauthorized access.

Further, the reversal of these payments has resulted in fees and disruptions to my own checking account due to PayPals improper handling of the transaction. Despite multiple phone calls to customer service, I have been told this issue was due to an upgrade and that I should be happy to have received it. This response is unacceptable and dismissive of what appears to be a violation of federal consumer protection laws.

I am requesting the following actions : 1. A full investigation and written explanation of how an unactivated credit card could be used for transactions.

2. A detailed audit of how my daughters banking information was obtained and linked to this card or my PayPal account.

3. Immediate reversal of all unauthorized transactions and fees associated with this error.

4. Reimbursement of any bank fees incurred by both myself and my daughter as a result of these actions.

5. Written confirmation that my daughters personal information has been completely removed from all PayPal systems and is not connected in any way to my account.

6. A record confirming that the unrequested credit card has been permanently closed without negative impact to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX, the XXXX filed a lawsuit against Capital One, N.A., a national bank with over {$480.00} XXXX in assets, and its parent holding company, Capital One XXXX XXXX ( collectively, Capital One ). Defendants are incorporated in Delaware and headquartered in Virginia. The XXXX alleges that from XXXX to XXXX, Capital One represented to consumers that its XXXX XXXX account was a high interest account with a variable rate that was XXXX of the nations top, best, and highest, and would earn much more interest than the average savings or money market account. The XXXX alleges that these representations were false or otherwise misleading and that from XX/XX/XXXX to at least XX/XX/XXXX, Capital One has kept the XXXX XXXX interest rate fixed at 0.30 %, a rate that falls far short of the level represented in its marketing. The XXXX further alleges that Capital One made representations that created the net impression that its XXXX Savings product was and would be its only XXXX high interest savings product with the features, terms, and conditions of XXXX Savings, but in XXXX, Capital One stopped offering XXXX Savings accounts to new customers and started offering a new high-interest savings product called XXXX Performance Savings. This new product had all the same terms and conditions as XXXX XXXX accounts, and Capital One likewise marketed it as having XXXX of the nations top savings rates. But in contrast to the XXXX XXXX rate, Capital One has kept the XXXX XXXX XXXX rate at a consistently high level. In XX/XX/XXXX, the XXXX XXXX XXXX rate was more than XXXX times higher than the XXXX XXXX rate. Capital One did not convert XXXX XXXX accounts into XXXX XXXX XXXX accounts and instead took steps to obscure from XXXX XXXX accountholders the fact that these were different products. The XXXX alleges that by misrepresenting the interest rate for the XXXX Savings product, Capital One violated the Consumer Financial Protection Act of XXXX ( XXXX ) prohibition on deceptive acts and practices ; and Capital One, XXXX. violated the XXXX in XXXX XXXX and XXXX XXXX. The XXXX also alleges that Capital One violated the XXXX prohibition on deceptive acts and practices by misrepresenting that XXXX Savings was and would be its only high-interest savings product and the XXXX XXXX on abusive acts and practices by taking unreasonable advantage of XXXX Savings account holders lack of understanding of the material risks and costs of the XXXX Savings product. The Bureau seeks, among other things, injunctive relief to prevent future violations and monetary relief in the form of redress to consumers and the imposition of civil money penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
This complaint is filed against EXPERIAN for willful and negligent non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Consumer Financial Protection Act ( 12 U.S.C. 5531 ), and all relevant federal consumer protection regulations, for failure to ensure maximum possible accuracy and to correct clearly inaccurate reporting after dispute. 

XXXX. XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> This account was paid on time and later closed in good standing. However, EXPERIAN continues to report inaccurate late payments that never occurred. The reported delinquencies are false and not supported by any verifiable payment record. Under FCRA 1681e ( b ) and 1681i ( a ), EXPERIAN has a statutory duty to assure the maximum possible accuracy of all data it reports and to conduct a reasonable reinvestigation when a consumer disputes inaccurate information. 

Despite this, EXPERIAN has failed to provide validation or documentation from the furnisher proving that any payment was late. The continued reporting of false delinquencies is damaging, misleading, and constitutes negligent and willful noncompliance under FCRA 616 and 617. 

XXXX. XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) Account Number : XXXX Date Opened : XX/XX/year> This account was paid on time and in full prior to any valid collection activity. Therefore, it should never have been reported as a collection account. By reporting this account as a collection after full payment, EXPERIAN is publishing false and damaging information without a factual basis, violating FCRA 1681e ( b ) and 1681i ( a ), as well as 15 U.S.C. 1681s-2 ( a ), which prohibits the reporting of information known to be inaccurate. 

Furthermore, the reporting of a paid account as a collection entry is misleading and deceptive, in direct violation of the Consumer Financial Protection Act 1036 ( a ) ( 1 ) ( B ), which prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: MI

Complaint narrative:
The account was settled in full, but late payment notations remain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, FL XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Subject : Formal FCRA Dispute Request for Deletion of Inaccurate and Unverifiable Accounts Dear TransUnion, This letter serves as a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2, and 1681e ( b ) ). Upon reviewing my report dated XX/XX/XXXX, I found multiple accounts that are inaccurate, incomplete, and/or unverifiable. 

Please conduct a reasonable reinvestigation of the following items and delete any that can not be fully verified with accurate, complete documentation : XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Reporting charge-off despite ongoing disputes and payment after charge-off notation. 

Inconsistent reporting dates ( activity and closure mismatch ). 

Violation of FCRA 1681e ( b ) failure to maintain maximum accuracy. 

XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charged off but reported with inconsistent balances and closed due to inactivity. 

No validation or contract proving this debt ; unverifiable status violates 1681i ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Duplicate entry and unverifiable debt. No chain of assignment or original contract provided. 

Violates FDCPA 809 ( a ) and FCRA 1681c ( a ) ( 4 ) for re-aged reporting. 

XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX No verification of original liability ; lacks written validation of debt under FDCPA 809 ( b ).

Reporting balance of {$250.00} with no evidence of legal obligation.

Under 15 U.S.C. 1681i ( a ) ( 5 ), you are required to delete unverifiable items within 30 days of receipt.

Failure to comply will result in complaints to the Consumer Financial Protection Bureau ( CFPB ) and civil action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

I request written confirmation of deletions or verified documentation supporting each accounts accuracy. 

Sincerely, /s/ XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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 the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: GA

Complaint narrative:
I am sending to formally dispute and request verification regarding several accounts that appear on my credit report. As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. I am providing this letter not only as a request for validation but also to express my sincere desire to maintain the accuracy and integrity of my credit profile. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXXXXXX XXXX Balance {$200.00} XXXX & XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance {$240.00} XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX Balance {$120.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
I am sending to formally dispute and request verification regarding several accounts that appear on my credit report. As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. I am providing this letter not only as a request for validation but also to express my sincere desire to maintain the accuracy and integrity of my credit profile. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXXXXXX XXXX Balance {$200.00} XXXX & XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance {$240.00} XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX Balance {$120.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am reporting an issue concerning an open tradeline on my credit report that reflects one or more late payment ( s ) I believe to be inaccurately reported. I have reviewed my records and submitted multiple formal disputes directly to the creditor and the credit bureaus to address the discrepancies. However, to date, I have not received any credible evidence or billing records to validate that these reported delinquencies actually occurred. 
The payment history being reported shows dates and delinquency statuses that do not match my actual payment activity, which creates a misleading profile of my credit behavior. Instead of a proper investigation or detailed explanation, I have received unhelpful responses that do not resolve the reporting errors. 
This mishandling of my dispute violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report data that is both accurate and complete. The failure to correct or validate this informationafter multiple attemptshas resulted in unjust damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Giggle Finance Inc.
State: TX

Complaint narrative:
Continual contact after being told to cease and desist on MULTIPLE occasions now.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-27 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: NY

Complaint narrative:
I am filing this complaint on behalf of XXXX XXXX XXXX, with proper authorization granted to XXXX XXXX, XXXX Representative XXXX XXXX XXXX XXXX, XXXX. The complaint concerns inaccurate reporting by XXXX XXXX XXXX on XXXX XXXX credit file. The account under Account XXXX XXXX was fully paid and closed in good standing, yet it remains reported by TransUnion in a manner that does not reflect its XXXX balance and positive history. We request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and ensure that XXXX XXXX corrects the reporting with all credit bureaus in compliance with the Fair Credit Reporting Act ( FCRA ). Supporting documentation and authorization are attached for verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: NM

Complaint narrative:
I need to emphasize that this complaint is not a mistake. My credit report contains clear inaccuracies that fail to meet the requirement of maximum possible accuracy under the FCRA. These errors are having a serious and ongoing negative impact on my financial well-being.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am submitting this formally dispute inaccurate late payment information currently being reported on my credit file. I am exercising my rights under FCRA 611 ( 15 U.S.C 1681i ) to dispute inaccurate data, FCRA 623 ( a ) ( 2 ) regarding a furnishers duty to correct and update, FCRA 623 ( b ) concerning their duty to investigate, and FCRA 602, which expresses Congresss intent to ensure accurate and fair credit reporting. Each account listed below contains information that does not accurately reflect my payment history or the circumstances surrounding those reported delinquencies. I am requesting a full reinvestigation and correction of the following inaccurate records. 
Late closed XX/XX/2XX/XX/2024XX/XX/XXXX charges off removed/ finding out why did XXXX XXXX reopen and charged off account ( against FCRA ) and late paymentsreversed XXXX 
XX/XX/5178Balance : {$590.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX charges off removed/ finding out why did XXXX XXXX reopen and charged off account ( against FCRA ) and late paymentsreversed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: MO

Complaint narrative:
I am submitting this formally dispute inaccurate late payment information currently being reported on my credit file. I am exercising my rights under FCRA 611 ( 15 U.S.C 1681i ) to dispute inaccurate data, FCRA 623 ( a ) ( 2 ) regarding a furnishers duty to correct and update, FCRA 623 ( b ) concerning their duty to investigate, and FCRA 602, which expresses Congresss intent to ensure accurate and fair credit reporting. Each account listed below contains information that does not accurately reflect my payment history or the circumstances surrounding those reported delinquencies. I am requesting a full reinvestigation and correction of the following inaccurate records. 
Late closed XX/XX/2XX/XX/2024XX/XX/XXXX charges off removed/ finding out why did XXXX XXXX reopen and charged off account ( against FCRA ) and late paymentsreversed XXXX 
XX/XX/5178Balance : {$590.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX charges off removed/ finding out why did XXXX XXXX reopen and charged off account ( against FCRA ) and late paymentsreversed.

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