vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I bought something from somebody from XXXX XXXX and I paid them through PayPal but never got the product! I requested the seller to provide the shipping number, but they were unable to provide anything, which is a clear case of fraud! Despite my immediate refund request, PayPal informed me that the dispute will not be resolved until XX/XX/XXXX, which is an unreasonably long delay. PayPal is withholding my funds, which violates my consumer rights and leaves me without protection. Even worse, PayPal is knowingly allowing counterfeit sellers to use its platform, which is unlawful. I urge the CFPB to take immediate action against PayPal, require my refund without further delay! 

Name : XXXX XXXX Email / Phone : XXXX ( XXXX ) XXXX PayPal Transaction ID : XXXX Date of Transaction : XX/XX/XXXX Amount Paid : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: OH

Complaint narrative:
Back in XX/XX/XXXX I was placed on XXXX XXXX XXXX leave from my employer until XX/XX/XXXX. While on XXXX leave I applied for employment elsewhere. I started working a new job in XX/XX/XXXX. It was a deep pay cut and my husband had excessive bills - garnishment abd child support which made our income drop extremely low. We applied for mortgage assistance and received approval which covered us until XX/XX/XXXX. Our new payments started on XX/XX/XXXX in which we were making our payments. I received a do not reply email that stated as of XX/XX/XXXX that we were XXXX  months behind on our mortgage. I'm thinking this is impossible. So I called the customer service line and went over payments. My husband stated that payments had been debited out of the account monthly. So we continue to make payments. I received XXXX more email notices in XXXX and XX/XX/XXXX stating we owe XXXX I question my husband he stated he contact Loncare Mortgage LLC and was told that they're going to do an investigation. I received the same email yesterday stating our account is still behind. I log in and it stated last payment was made XX/XX/XXXX. We have been having issues with this company since they took over our loan from XXXX XXXX. This is exhausting and stressing me out. I need this to be fixed immediately.

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM A VICTIM OF THE TRANSUNION DATA BREACH. IHAVE NO KNOWLEDGE OF THIS DEBT ON MY CREDIT REPORT OR THE HARD INQUIRIES. DUE TO CODE 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ANY INACCURATE INFORMATION ON MY CREDIT REPORT MUST BE DELETED IMMEDIATELY. THE FOLLOWING ITEMS ARE : XXXX XXXX acct # XXXX debt : $ XXXXHard inquiries XXXX  XX/XX/year>, XXXX XXXX XX/XX/year>

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am writing to formally dispute the personal information currently being reported on my credit file. I noticed that the address information listed for me is inaccurate and does not reflect my correct, current residence. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Maintaining outdated or incorrect address information is a direct violation of this requirement.

Additionally, per FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information and to have it corrected or deleted from my credit file within the legally required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am writing to formally dispute the personal information currently being reported on my credit file. I noticed that the address information listed for me is inaccurate and does not reflect my correct, current residence. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Maintaining outdated or incorrect address information is a direct violation of this requirement.

Additionally, per FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information and to have it corrected or deleted from my credit file within the legally required timeframe.

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Date Opened XX/XX/year> Balance {$1200.00} Account Number : XXXXXXXX XXXX  Bought The Debt Which To Me Means They Own It And They Owe Whatever Debt. I Dont Know Who The Original Debtor Is. I Am A Victim Of Fraud And Identity Theft.

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 2025-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding PNC MORTGAGEs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. PNC MORTGAGE has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

PNC MORTGAGE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding OCWEN LOANs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with, Transunion yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. OCWEN LOAN has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported.

OCWEN LOAN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2025-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/year>, I purchased a package of XXXX microdermabrasion treatments from XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, using my Capital One card. At the time of purchase, the merchant never informed me that the package was non-refundable, nor did I sign or agree to any terms regarding refunds. I still have XXXX unused treatments and requested a refund. 

XXXXXX/XX/XXXXfalsely claimed to Capital One that I was satisfied with their services and knowingly purchased a non-refundable package. This is not true. I only received XXXX treatment, and it was unsatisfactory the results did not match what was promised. I have documented this in my public XXXX review and attached evidence of the service and communications to Capital One. 

By refusing a refund for the unused treatments, the merchant has violated my consumer rights, as I was never informed of the non-refundable terms and did not consent to them. 

When I filed a dispute with Capital One, they informed me that they could not process it without documentation of the merchants refund policy, which I never received. Despite my attempts to provide information and resolve the issue, Capital One has not issued a refund or resolved the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX {$7500.00} the account date is not accurate Credit collection systems {$860.00} I have no knowledge of this account XXXX XXXXXXXX XXXX XXXX XXXX {$1100.00} I have no knowledge of this account XXXX XXXX XXXX XXXX {$890.00} unaware of this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint against TransUnion for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/2025, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  were fraudulent. Despite receiving this information, TransUnion has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and 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 non-monetary relief
Consumer complaint received 2025-09-25 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: NV

Complaint narrative:
There are multiple accounts that give false information and payment historys. Name wrong on account also.discover account was closed due to fraud

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 2025-09-25 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: VA

Complaint narrative:
I am filing to formally dispute the accuracy of the late payment information reported on my credit file regarding the above-referenced XXXX XXXX XXXX loan account. While the account is correctly shown as closed/paid with a {$0.00} balance, it is inaccurately reporting 30-day late payments across TransUnion, Experian, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: VA

Complaint narrative:
I am filing to formally dispute the accuracy of the late payment information reported on my credit file regarding the above-referenced XXXX XXXX XXXX loan account. While the account is correctly shown as closed/paid with a {$0.00} balance, it is inaccurately reporting 30-day late payments across TransUnion, Experian, and Equifax.

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 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year>, my client sent me a payment of {$72.00} through PayPal for freelance services I provided. 

This is my third time receiving payment via PayPal, and my first XXXX transactions were smooth. However, this time, PayPal placed my payment on hold for 21 days. I do not sell goods or productsthis payment is purely for services. Despite this, PayPals system automatically treated it as a Goods and Services payment, showing buyer and seller information along with shipped to, which is not applicable in my case.

I already contacted my client, but they confirmed there is no Confirm Receipt button on their end. I also filed a case with PayPal, but they closed it without resolving the issue, and my funds are still on hold.

This situation is very unfair. I rely on my salary to pay bills, and holding my money without a valid reason is causing me financial stress.

I am requesting that PayPal release my payment to my PayPal balance immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against IA FINANCE AMERICA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. KIA FINANCE AMERICA 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 2025-09-25 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: NV

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute letter to Experian regarding inaccurate items on my credit report ( first round of disputes ). Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable investigation of disputed information and respond within 30 days. 

However, Experian failed to properly investigate my dispute. Instead of conducting a thorough review and verifying the accuracy of the accounts in question, they ignored my evidence, sent me a generic response stating they determined a suspicious request not sent by me and failed to provide clear documentation of how the investigation was handled. This is a direct violation of their obligations under the FCRA. 

This failure is affecting my ability to grow in life, improve my credit, and access opportunities such as housing, credit, and financial stability. I am requesting that the CFPB hold Experian accountable and require them to complete a proper investigation as the law requires

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is for a XXXX XXXXXXXX XXXX card. The delinquency was caused by banking fraud - my payment method was compromised without my knowledge, and I was only notified after the fact. I took immediate action once I was aware and continued making payments to bring the account current. I have never been late prior to that mark in XXXX and XXXX  months I had an exceptional payment history. I asked XXXX XXXX XXXX as goodwill to reverse the 30 and 60 day late reporting for XXXX of 2025 and they refused even though I had exceptional payment history with them. This is no way to treat customers that were victimized by fraud but still manage to pay their bills on time.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is for a XXXX XXXX XXXX card. The delinquency was caused by banking fraud - my payment method was compromised without my knowledge, and I was only notified after the fact. I took immediate action once I was aware and continued making payments to bring the account current. I have never been late prior to that mark in XXXX and XXXX months I had an exceptional payment history. I asked XXXX XXXX XXXX as goodwill to reverse the 30 and 60 day late reporting for XXXX of 2025 and they refused even though I had exceptional payment history with them. This is no way to treat customers that were victimized by fraud but still manage to pay their bills on time.

Company response to consumer: Closed with non-monetary relief