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

Complaint narrative:
On XX/XX/year>, I withdrew XXXX NZD from my PayPal account to XXXX. Since XXXX does not accept PayPal transfers, the payment was refunded back to PayPal PTE LTD on XX/XX/year>. 
XXXX has confirmed in writing : The funds were not credited to my XXXX account. 
A refund was issued back to PayPal PTE LTD. 
They provided a transfer confirmation ( # XXXX ), a banking partner reference ( XXXX ), and a balance statement for XX/XX/year> showing no deposit was received on my XXXX side. 
On XX/XX/year>, a PayPal Customer Support agent ( XXXX XXXX acknowledged the refund documentation I submitted and stated he would escalate it internally, promising a response within 5 business days.

Despite this, more than 2 months have passed with no update, no email, and no resolution. The refund has never been credited back to my PayPal account. Over the last 3 months, I have repeatedly contacted PayPal via there message centre and phone calls and provided Wises documentation every time. Instead of resolving the issue, PayPal frontline support continues to : Claim no refund happened, despite XXXX proof. 
Close my support chats without escalation. 
In one instance, misclassify my case as a phishing report. 
This is not a missing withdrawal it is a missing refund that XXXX already sent back to PayPal. 
I am requesting the CFPBs assistance to compel PayPal to : XXXX the funds internally using the XXXX reference ( XXXX ). 
Confirm receipt of the refund from XXXX. 
Credit my PayPal account with the refunded amount of XXXX NZD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
Apparently, in XXXX, when the XXXX card was stolen, it was used to buy something at target under {$20.00}. At the time, I was not monitoring my email as well because my mother was very ill. I was taken care of her at age XXXX and then she had to go into hospice making everything very difficult and then she passed away when I did discover this problem I paid the balance off, even though I realize it was not a legitimate charge so I could stop the reporting to the credit bureau. The answer I did get from target was that they had 90 days to resolve this they gave me no satisfaction about reporting to credit bureaus. XXXX canceled my card. I filed the required documents with XXXX around XX/XX/XXXX about two months ago.

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 2025-09-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Apparently, in XXXX, when the XXXX card was stolen, it was used to buy something at target under {$20.00}. At the time, I was not monitoring my email as well because my mother was very ill. I was taken care of her at age XXXX and then she had to go into hospice making everything very difficult and then she passed away when I did discover this problem I paid the balance off, even though I realize it was not a legitimate charge so I could stop the reporting to the credit bureau. The answer I did get from target was that they had 90 days to resolve this they gave me no satisfaction about reporting to credit bureaus. XXXX canceled my card. I filed the required documents with XXXX around XX/XX/XXXX about two months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/XXXX at approximately XXXX pst I opened my phone to check my bank account balance here in XXXX XXXX NV to find 2 charges from XXXX WA XXXX XXXX XXXX ( {$33.00}, {$43.00} ) and XXXX charge XXXX WA XXXX XXXX XXXX ( {$43.00} ) were fraudulently made on my account. I have never been to XXXX Washington ever in my life. The transactions were made at approximately the same time i made used the card here in XXXX XXXX at a XXXX XXXX. I do not have the ability to run at over XXXX to be at XXXX places at once. I notified citibank and they denied my fraud claim even though the evidence was clear.

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 monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I recognized the unauthorized HARD inquiry on my credit from XXXX XXXX days in a row. Nobody would authorize XXXX HARD INQUIRIES on their credit back to back, XXXX days in a row. I authorized them to run my credit on XX/XX/XXXX, however, it was ran again on XX/XX/XXXX, resulting in another hard inquiry on my credit lowering my score. I have tried unsuccessfully to resolve this with XXXX, as the dispute company never answers the phone. I have called and left XXXX messages for XXXX weeks. The credit companies said I need a letter of deletion from them in order to have it removed, but how can I when they never answer the phone. The number I was given my their customer service rep is listed in the complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. I demand the following accounts to be verified or removed immediately : 1. Under 15 USC 1666 Billing Error XXXX Account Number : XXXX If you can not provide proof that I was ever late, then please update to paid as agreed, never late. 2. Under 15 USC 1666 Billing Error XXXX XXXX XXXX Account Number : XXXX If you can not provide proof that I was ever late, then please update to paid as agreed, never late. 3. 15 USC 1692g- Validation of debts XXXX XXXX Account Number : XXXX If you can not validate this debt. Please delete this account immediately. 4. Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX If you can not provide proof that I was ever late, then please update to paid as agreed, never late. 5. 15 USC 1692g- Validation of debts XXXX Account Number : XXXX If you can not validate this debt. Please delete this account immediately. * Please remove all non-account holding inquiries over 30 days old.6. 1. Under 15 USC 1666 Billing Error XXXX Account Number : XXXX l If you can not provide proof that I was ever late, then please update to paid as agreed, never late. 
* Please add a Promotional Suppression to my credit file. IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. Signed, sealed and delivered in the presence of : 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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. I demand the following accounts to be verified or removed immediately : 1. Under 15 USC 1666 Billing Error XXXX Account Number : XXXX If you can not provide proof that I was ever late, then please update to paid as agreed, never late. 2. Under 15 USC 1666 Billing Error XXXX XXXX XXXX Account Number : XXXX If you can not provide proof that I was ever late, then please update to paid as agreed, never late. 3. 15 USC 1692g- Validation of debts XXXX XXXX Account Number : XXXX If you can not validate this debt. Please delete this account immediately. 4. Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX If you can not provide proof that I was ever late, then please update to paid as agreed, never late. 5. 15 USC 1692g- Validation of debts XXXX Account Number : XXXX If you can not validate this debt. Please delete this account immediately. * Please remove all non-account holding inquiries over 30 days old.6. 1. Under 15 USC 1666 Billing Error XXXX Account Number : XXXX l If you can not provide proof that I was ever late, then please update to paid as agreed, never late. 
* Please add a Promotional Suppression to my credit file. IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. Signed, sealed and delivered in the presence of : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT 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 non-monetary relief
Consumer complaint received 2025-09-11 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 explanation
Consumer complaint received 2025-09-11 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is a follow-up complaint regarding Wells Fargo and an unresolved credit card dispute. 

My original CFPB case number was : XXXX Wells Fargos internal claim number was : XXXX I initially disputed a charge of {$2600.00} for airline tickets purchased through XXXX, XXXX the reason Service Not Provided, because the tickets were not canceled by XXXX until XX/XX/year>, just one day before the scheduled departure. Despite repeated requests, XXXX delayed cancellation and ultimately claimed the tickets were non-refundable, contradicting prior refund quotes they provided. 

Wells Fargo, however, misclassified my dispute under Canceled Service, which significantly affected the handling and outcome. I did not cancel the tickets ; XXXX did. Therefore, the correct category for this dispute is XXXX Not Provided, in accordance with XXXX rules. 

I appealed the decision, and on XX/XX/XXXX and XX/XX/year>, I spoke with XXXX from Wells Fargos Executive Office, who stated that he could reopen the case and would escalate it to the dispute department for reevaluation. He sounded confident and affirmatively said the case would be reopened. However, since that time, I have received no further update. I called again on XX/XX/XXXX and XX/XX/XXXX, leaving voicemails, but there has been no response. 

It has now been nearly XXXX weeks with no communication from Wells Fargo, which I believe is an unreasonable delay and potentially an attempt to stall past critical dispute or arbitration deadlines. I am concerned that Wells Fargo is not handling this matter in good faith despite clear evidence of mishandling and prior commitments to take corrective action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Requested RESPA information from my servicing company on XX/XX/year>. They did not fully respond to my request. Please see XXXX attachments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
I DO NOT RECONIZE THIS ADDRESS, PLEASE REMOVE. THANK YOU XXXX XXXX XXXX XXXX XXXX CA XXXX PLEASE REMOVE INCORRECT NAMES 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 2025-09-11 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: CL Holdings LLC
State: MD

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I did not sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didnt follow the proper 5 step validation procedure. According to the FDCA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This issue is greatly affecting me in my personal life I am going through so much right now in my life and this is adding to my stress because i am trying to get credit fixed and i am having such a hard time. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I transferred approximately XXXX XXXX  ( valued at about {$1600.00} ) from my XXXX wallet to my Coinbase account. I mistakenly used my Coinbase XXXX deposit address instead of a XXXX  address. The transaction completed on the blockchain, but the funds were not credited to my Coinbase account because Coinbase did not support XXXX  at that time. 

I immediately contacted Coinbase support ( case # XXXX and case # XXXX ) and was told the asset was unsupported and could not be recovered. I later escalated by email, but was again told nothing could be done. 

As of XX/XX/XXXX, Coinbase now supports XXXX. This means Coinbase has the technical ability to recover and credit my funds, which remain in their custody. Despite this, Coinbase has refused to credit my account. I also tried to use their asset recovery tool and was denied the funds. 

The funds are not lost, they are being withheld by Coinbase. I am requesting that Coinbase release or credit the funds to my account now that the asset is supported.

Company response to consumer: Closed with explanation