vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX  ( PayPal ) froze {$250.00} in my account due to a chargeback for a transaction that never occurred, involving a sender I have never transacted with. I did not receive any goods or services from this individual, and there is no such transaction in my XXXX  history on the stated date or at any time for the amount in dispute. I have over ten years of XXXX  history, and there is no record of this sender/claimant anywhere. 

Despite this, XXXX  immediately debited my account and placed a hold on {$250.00} without performing any basic verification. They did not confirm whether the transaction ID exists, whether the sender and I have ever exchanged funds, or whether any record of this payment appears in their own ledger. 

This means XXXX  allowed a bank to initiate a chargeback against me for a nonexistent transaction, and XXXX  froze my funds with no internal audit, no validation check, and no opportunity for me to contest the claim before the hold was applied. This is a serious system flaw that exposes users to fraudulent or erroneous chargebacks with no safeguards. 

I provided XXXX  with clear screenshots of my complete transaction history for the relevant period, demonstrating that no such transaction exists, but they have not reversed the hold. Their system appears to place the burden entirely on the innocent account holder to prove a negative, while allowing banks to trigger account holds with impunity, without any verification that a transaction ever occurred. 

This is unacceptable for a regulated financial service. XXXX  should not be permitted to debit consumer accounts based on unverified third-party claims, especially when the transaction does not exist in their own database. 

This practice is harmful, arbitrary, and leaves consumers unprotected against fraudulent or mistaken chargebacks. I am requesting the CFPBs assistance to ensure XXXX  resolves this matter and addresses the underlying systemic issue. Absolutely outrageous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/year>, I called XXXX XXXX XXXX XXXX and asked over the phone that I like a vehicle and I'm not going to put down a deposit because based on my credit I know I don't need to put down a deposit that I need a vehicle that I can afford something with low monthly payments and they said absolutely they have vehicles available at a low price please come in then they can further assist me and I did.. Through high-pressure sales tactics, I was misled into signing a contract for an auto loan with a principal amount exceeding {$29000.00} due to numerous add-ons I did not fully understand or want. 

Crucially, to secure loan approval for this unaffordable amount, the dealership instructed me to list income from XX/XX/XXXX I believe on the credit application. I was not working for these services or receiving this income at the time of the sale. This constitutes a clear case of income misrepresentation and fraudulently induced the loan. 

The loan was never affordable based on my actual financial situation. I have defaulted, and the vehicle is now in the repossession process. The lender has been notified of this fraud but has not provided a resolution, referring me to departments that can not address fraudulent origination. I have requested a review of the fraudulent application but have not received the necessary information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 XXXX, XXXX, 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 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: SC

Complaint narrative:
I have an account with Robin Hood and I am trying to move some of my assets to a cold wallet and they have frozen my account for no reason, I spoke to them four days ago and they said it would be resolved by the end of the business day and it is still locked. They said this is just a periodic review because its a new account. I have many other accounts at other exchanges and this has never happened. They have frozen {$50000.00} of my money for at least five days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX/2025 CITIZENS BANK NA XXXX XXXX XXXX XXXX, RI XXXX Subject : Fraudulent Personal Loan Account Dispute Dear : CITIZENS BANK/ XXXX  I am writing to formally dispute a personal loan account that appears on my credit report and/or has been reported to me by your institution. I did not apply for or authorize this loan, and I believe it to be the result of identity theft. 

Below are the details of the fraudulent account : Loan Account Number : XXXX * * * * Loan Amount : {$43000.00} Date Opened : XX/XX/XXXXXXXX/2017 Reporting Institution : XXXX  I request that you immediately investigate this matter and take appropriate action to close the fraudulent account. Additionally, I ask that you remove any related inquiries and negative marks from my credit report, and confirm that I am not held liable for any associated debt. 

Attached are copies of the following documents to support my claim : A copy of my government-issued ID A police report or FTC Identity Theft Report ( if available ) A recent utility bill or other proof of residence Any other relevant documentation Please confirm in writing once this account has been removed and the issue resolved. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any information on my credit file that I believe is inaccurate or fraudulent. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: VA

Complaint narrative:
Dear Sir/Madam, Please investigate the following accounts and inquiries. Many of these items appear to be inaccurately reported, duplicated, or outdated, and do not reflect my actual credit history. 

CHARGED-OFF ACCOUNTS ( TU ) XXXX XXXX XXXX XXXXXX/XX/XXXX {$3500.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$13000.00} LATE PAYMENTS ( TU ) These late payments are incorrectly reported : 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 explanation
Consumer complaint received 2025-11-24 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: MI

Complaint narrative:
XXXX XXXX is inaccurately reporting XXXX and XXXX late payments under my name even though I am only a co-signer on the account. I was not the responsible party, did not have possession of the vehicle, and did not receive billing statements or delinquency notices. 

The primary borrower was solely responsible for making payments and maintained full possession and control of the vehicle. XXXX never notified me when payments were missed, which is required for co-signer accuracy. 

These late payments do not reflect my credit behavior. I have never been late on any vehicle that I personally own. These inaccurate late payments are now preventing me from turning in my current auto lease and obtaining another vehicle. This is materially misleading and violates FCRA 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ).

I am requesting the complete deletion of all late payments reported under my name because the information is inaccurate, misleading, and harming my creditworthiness.

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 2025-11-24 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: KS

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-11-24 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: SC

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2 ( Section 605B ), I am formally demanding the immediate removal, deletion, and blocking of the fraudulent accounts and inquiries listed on my credit report. This request is submitted under the protection of federal law due to verified identity theft and exposure of my personal information during the Equifax data breach, which significantly compromises the accuracy and integrity of the data being reported. Under Section 605B, the credit reporting agency is legally obligated to block and remove this information within four ( 4 ) business days upon receipt of a valid identity theft report. Failure to comply constitutes a direct violation of the FCRA and subjects your agency to regulatory consequences and potential legal action. This is a final and urgent demand for compliance. Please confirm the removal in writing and issue updated copies of my credit report reflecting these changes. Thank you for your prompt attentiontothismatter. 

FRAUDULENT ACCOUNTS TO BE BLOCKED IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XXXX, I attempted to make a {$900.00} cash payment at a Chase stand-alone ATM located at XXXX XXXX XXXX XXXX XXXX XXXX TN . The ATM accepted all of the cash, then displayed an error message stating the transaction could not be processed. The machine did not return the money and printed a receipt showing the failed-processing error. 

I immediately contacted Chase and uploaded the ATM receipt through the secure message center on XXXX. Chase initially issued a temporary credit of {$900.00} while they reviewed the issue. Several weeks later, the temporary credit was reversed, and the {$900.00} was added back to my account balance, with Chase stating that they did not receive the funds. 

I have been following up for over a month, and Chase continues to provide the same response without providing any proof. I faxed the receipt twice as requested. I also requested that Chase review the ATM logs and cash reconciliation records, but they have not provided any documentation confirming my payment. 

This ATM is not attached to a branch, so I can not speak with local staff. The ATM physically accepted the {$900.00}, did not return it, printed the error receipt, and Chase has still not resolved the missing funds. I am requesting that Chase be required to fully review the ATM cash logs, reconciliation records, and error reports, and resolve the missing {$900.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-24 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 a consumer working to fix my credit. The following accounts and inquiries being reported are inaccurate, outdated, or can not be properly verified. I am requesting a full reinvestigation under the FCRA and the removal of any item that can not be proven accurate. 
Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I initially made payments directly to XXXX XXXX. Later, the dealer instructed me that I could make the remaining payments directly to them, and I followed that instruction. I continued making payments to the dealer on multiple dates until the full balance of the vehicle loan was paid. 

After completing the payments, the dealer provided documentation showing that I was up to date and had fully satisfied the debt, and they also released and delivered the vehicle title to me. 

However, the dealer did not report these payments to XXXX XXXX. As a result, XXXX XXXX is still reporting negative information on my credit history, even though the debt has been fully paid. 

When I contacted XXXX XXXX  by phone to request that they correct my account, I was told that the situation was " illegal '' and that I would need to make an additional payment of at least {$2000.00} in order for the debt to be removed from my credit, even though the loan was already paid in full. I believe this response is improper and not aligned with the actual status of the account. 

I am filing this complaint so that XXXX XXXX updates my account records to reflect that the loan has been fully paid and removes any negative reporting associated with this account from my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXXXXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I am contacting TransUnion because my credit report shows accounts I do not recognize, indicating identity theft. I am very concerned, and the process has been overwhelming for me. 

I have called TransUnion, but the representatives have been dismissive, interrupting me and refusing to confirm whether my documents were received. This lack of clarity is increasing my worry. 
XXXX XXXX # XXXX card-Date opened XX/XX/XXXXXXXX XXXX, 2018 XXXX # XXXX account-Date opened XXXX XXXX, 2018 XXXX # XXXX Revolving account-Date opened XXXX XXXX, 2019 XXXX XXXX XXXX XXXX # XXXX card-Date opened XXXX XXXX, 2022 2022

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services
State: FL

Complaint narrative:
I received a call from XXXX. A representative named XXXX claimed she was from North American Credit Services. She wanted me to confirm the house number on my address. When I gave that she said that I needed to pay {$40.00}. I refused and told her she was in violation of the debt collection law. 

She said I had to pay XXXX XXXX {$40.00}. I told her I did not and asked what steps she had taken to comply with the law. She gave a vague answer saying her company complies with the law. I then asked if she was licensed and she skirted the question saying she was employed there. 

I then asked for here full name, she refused to give it. I asked for a unique id or super visor name and she refused to give it either. She said all she had to reveal was he first name and the name of the company. I told her I was going to make a complaint and she responded that I would save more time paying the {$40.00} than making a complaint. 

This call follows several other call that came prior to this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MI

Complaint narrative:
Cash app deactivated my account without warning and i use it daily and had my XXXX XXXX XXXX daughter on my account as well. They said i violated XXXX by gambling on my card. I admit that I have gambled through online casinos and bought instant tickets with my card. I honestly did not know it was against XXXX. I also have had my cash app for over 10 years and have been doing these things the whole time. Why are they closing it just now? They gave no warning and denied 2 appeals. No other chance, no warning to stop, no consideration, nothing. I believe both appeals were handled by bots not humans. Also I heard that they never reactivate accounts after appeals. Why have the appeal process? No second chances with them ever apparently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XXXX of the year XXXX was the last time I was able to use my account. Ive been contacting Venmo to get my account unfrozen even though I send them my identification constantly and email them they do not reply. I eventually gave up on the account now, I try to get in it. They wont let me update my phone number and email because the account is frozen and I cant access my money either even if I send them my verification identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief