vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
In XXXX of XXXX, XXXX permanently limited my account without explanation and placed a XXXX hold on my funds. I have been a PayPal user since XXXX with no history of disputes or fraudulent behavior. I reached out to ask for the reason and requested a clear explanation of the alleged violation, along with the exact clause ( s ) from the PayPal User Agreement that were supposedly breached. 

In return, I received vague responses citing potential risk and internal review criteria, but no actual explanation, no evidence, and no meaningful opportunity to appeal or respond. They also refuse to release my funds before the XXXX period, despite no indication of chargebacks or disputes on my account. This withholding of funds without cause or due process is both unethical and potentially unlawful. 

I am requesting the CFPBs assistance in compelling PayPal to either provide a valid and specific reason for their actions or release my funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: AZ

Complaint narrative:
This is an dispute accounts on my credit reports have over a dozen of errors and collection trying to collect for the wrong amount

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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Cease and Desist Account Dispute and Unlawful Collection Activity To Whom It May Concern : This letter is a formal request that Midland Credit Management immediately cease and desist all communication with me, in accordance with 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I am exercising my legal right to request that you stop all contact with me regarding the alleged debt.

I dispute the validity of this debt and request no further communication from your agency, other than to notify me of the following : 1. That you are ceasing collection efforts.

2. That you may take specific legal action ( if any ).

3. That you have returned or are returning the debt to the original creditor.

You are also prohibited from reporting or re-reporting any false or unverifiable information to any credit reporting agency. Any continued reporting without full validation is a violation of the FCRA ( 15 U.S. Code 1681s-2 ) and will be documented for complaint escalation. 

If you continue to contact me after receiving this letter including via phone, mail, or electronic means I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I will also consider pursuing legal action for harassment, emotional distress, and violation of my consumer rights. 

I am submitting this complaint against Midland Credit Management for repeated attempts to collect a debt I have disputed and demanded validation for. I have sent a formal cease and desist letter under the Fair Debt Collection Practices Act ( FDCPA ), requesting all communication stop and the account be properly validated or removed. Midland has failed to comply and continues to report the account to the credit bureaus without providing proper documentation. 

I am requesting that the CFPB investigate this matter and ensure that Midland Credit Management : Stops all communication as legally required Removes any unverifiable information from my credit reports Provides a complete response and documentation validating the alleged debt Midlands continued actions violate the FDCPA and FCRA, and I am documenting these violations for potential legal recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
LVNV Funding is reporting a collection for {$690.00} originating from XXXX XXXX. However, they are listed as the original creditor on my XXXX report via XXXX XXXX, which is inaccurate XXXX XXXX is the original creditor. 

Additionally, my XXXX report still shows the XXXX XXXX tradeline with a {$690.00} balance and no indication that the account was sold or closed. This creates the appearance of two open debts for the same amount, which is misleading and can significantly impact my creditworthiness. 

I have not received any debt validation from LVNV or XXXX despite their obligation under the Fair Debt Collection Practices Act ( FDCPA ). The failure to validate, combined with the inaccurate designation as the original creditor and the duplicative reporting, may violate the Fair Credit Reporting Act ( FCRA ) and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to XXXX XXXXhat 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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Experian this letter serves as a formal notice of dispute and demand for immediate removal of the following accounts below which you are falsely attempting to collect on and/or have reported to the credit bureaus. This alleged account does not belong to me. I am demanding that you cease all collection efforts and remove this account from your records and any credit reporting agencies immediately, as you are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, for making false, deceptive, and misleading representations in connection with a debt. You are hereby given 4 business days from the date of this letter to provide all of the following documentation, or this matter will be escalated to litigation : A copy of the complete Bill of Sale or assignment agreement from the original creditor proving legal transfer of the alleged account to your agency. A full audit trail showing the chain of custody and account history from origination to present. A copy of a written agreement or contract bearing my original, wet-ink signature proving that I had any obligation to the alleged creditor or to you. Proof of your authority to collect in my state, including your license or bond information, if applicable. If you fail to provide all requested documents within 4 days, I will consider your actions to be a willful violation of the FDCPA, and I will pursue legal action against your agency for damages, attorney fees, and punitive relief, including complaints filed with the CFPB, FTC, and my State Attorney General. You are further notified to cease and desist all collection activity on this alleged account immediately. Failure to do so will result in legal consequences I also attached the FTC REPORT, Social Security Card, Driver License, Bank Statement below are the accounts that are inaccurate XXXXXXXX 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 2025-05-20 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: AL

Complaint narrative:
Ive sent proof that my bankruptcy has closed three times and experian has not changed 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX, XXXX, and XXXX regarding inaccurate information being reported on my consumer credit report by XXXX XXXX XXXX XXXX for WFBNA AUTO - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

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 2025-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I had an offer from Citizens back, make a depsit of {$10000.00}, hold that money in the account, get a bonus. I did that. 

They had a new, separate offer, deposit {$20000.00}, hold that in the account, get a {$500.00} bonus. 

They lied. I called to confirm the offer, it was recorded, they gave me the date to hold the money, I did that. They they said, no, you had to keap the separate {$10000.00} in the account from the previous offer in order to get the money. This is stealing, fraud. The offers are separate. I was told as much by an employee, that told me as much. But some stupid liar, decided to change the agreement, not follow what I was told, argue with me and steal the {$250.00} I was owed. When the woman listened to the tape, me being told I was due the {$500.00}, she refused to honer it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NJ

Complaint narrative:
I submitted an identity theft block request under FCRA 605B to Equifax. My submission included : An FTC Identity Theft Report from IdentityTheft.gov A signed written statement identifying the fraudulent accounts A valid government-issued photo ID Proof of my current address Under FCRA 605B ( c ) ( 1 ), Equifax was required to block the disputed information within 4 business days of receiving my documentation. It has now been more than 4 business days since receipt, and the fraudulent accounts are still reporting on my credit file. 

I confirmed this by reviewing my Equifax report through a third-party service. Equifaxs failure to block these items is a direct violation of the FCRA. I have received no written response confirming that my submission was processed or that the accounts were blocked. 

This is causing continued harm to my credit and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-20 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: TN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am being charged {$19.00} every month by Equifax. I have called them several times to get them to stop charging me. They said they can not locate any account for me. I said that is correct, because I do not have an account with you. They continue to charge me. I even changed my debit card number and they somehow charged me again. I've tried changing my debit card a few times and they will still find a way to charge me. 
The customer service at Equifax has told me they would " create a case for the billing department '' and would be in touch with me. They never called, never emailed me. I've asked for the billing department phone number, was told they do not have one. 
I am assuming the person on the phone made up a billing case number XXXX. I tried filing a case with the office of the president of the company, and did not get any response. I have disputed the charge with my bank, and each time, I have been refunded only to be charged again by Equifax soon after the dispute is resolved. My bank can not stop them from charging they said. 
I am very upset and have wasted many hours and money that I can not seem to get back nor stop. 
This has been going on for 2 years. 
I am exhausted. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
On XX/XX/XXXX, I purchased two XXXX tickets through XXXX during a presale for XXXX concert scheduled for XX/XX/XXXX at XXXX XXXX. The total amount paid was {$3500.00}. 

After the purchase, I contacted XXXX customer service to ask whether the tickets would be transferable or resellable. A representative told me that I would be able to resell the tickets once the tour began. I relied on this information to keep the tickets, expecting that I would have the option to sell them later if needed. 

However, I later discovered that the tickets were non-transferable and could not be resold contradicting what XXXX had told me. Additionally, once the general sale began, I found that the exact same seats I purchased were now being sold for approximately one-third of the price, meaning I had significantly overpaid. 

On XX/XX/XXXX, after realizing I had been misled and would not be able to resell the tickets, I filed a dispute with my credit card company. I explained the issue and requested a chargeback or a temporary credit. I was told I would hear from their investigative team, but I never received any follow-up. Later, I was informed that the dispute may not be resolved until after the concert, which defeats the purpose of the review process. 

This issue involves misleading or false information provided by XXXX after the purchase and a failure by my credit card company to take timely action. I have made every reasonable effort to resolve this and feel I was deceived and left without support.

Company response to consumer: Closed with explanation