vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute to address inaccurate and incomplete information on my credit report. The accounts listed below have been reported with errors, and I request that these inaccuracies be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charge Off Accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$7700.00} I am requesting that this account be investigated for potential inaccuracies, as it may not be properly reported. Please ensure compliance with FCRA guidelines.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully submit this letter as formal notice disputing the accounts identified. I am not affiliated with them and did not permit their establishment. I request a full review and deletion. Supporting records are provided.

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 2025-12-03 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 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
Consumer complaint received 2025-12-03 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: NAVY FEDERAL CREDIT UNION
State: NV

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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: MO

Complaint narrative:
Cavalry Portfolio Services has repeatedly violated the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) through negligent and willful handling of a debt they can not legally substantiate. 

Despite my multiple disputes to Cavalry and the credit bureaus , Cavalry has provided inconsistent, contradictory, and factually impossible verification documents, including : XXXX separate validation letters listing different balances, different dates, and different ownership histories A letter stating they can not sue because of the age of the debt, yet they continued collection activity anyway A re-aged tradeline where the Date of First Delinquency XXXX XXXX XXXX  was illegally pushed forward Mismatched data between XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cavalrys own internal files Cavalrys actions demonstrate a clear pattern of reckless disregard for federal law. 
They attempted to revive a time-barred debt, issued conflicting validation documents, and continued collection while the account was under dispute, which violates : 15 USC 1681s-2 ( a ) ( 1 ) ( A ) furnishing inaccurate information 15 USC 1681i reinvestigation requirements 15 USC 1681e ( b ) failure to maintain reasonable procedures FDCPA 809 ( b ) failure to obtain and provide proper validation FDCPA 807 & 808 deceptive and unfair collection practices FDCPA 807 ( 2 ) ( A ) false representation of the amount and legal status of the debt Cavalry also created serious confusion in my file by sending different account numbers, different balances, and different dates to multiple bureaus and collection agencies. 
This resulted in : mixed file behavior, duplicate reporting, denial of credit, and emotional and financial harm, including higher interest offers and loss of credit opportunities. 

I have now received XXXX stall letters from XXXX  and multiple conflicting updates across all three bureaus due to Cavalrys inaccurate furnishing. 
This has forced me to spend nearly XXXX months disputing the same account, with no lawful correction from Cavalry despite clear errors.

Cavalrys failure to maintain consistent records and their decision to resume collection on a debt they acknowledge is too old to enforce shows willful non-compliance suitable for statutory, actual, and punitive damages. 

I am requesting a full investigation, removal of all inaccurate reporting, and appropriate relief for the harm caused by Cavalrys repeated violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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:
PayPal permanently limited my business account and placed a XXXX hold on my funds without providing a clear or detailed explanation. I had been using my PayPal Business account for legitimate small-business payments for XXXX years with no issues. 

When I started receiving payments for my business, PayPal suddenly closed my account and claimed it was due to a previous account with unresolved issues from years ago. I have not been given any documentation, details, or proof of what the supposed issue is. Customer service told me the decision is final and that no one at PayPal can assist me further. 

I have requested clarification and documentation, but PayPal has refused to explain what data, accounts, or risk information they used to justify permanently limiting my account and holding my money. This lack of transparency is affecting my business income and violates my right to understand the basis of a financial decision made against me. 

I am submitting this complaint because PayPal has not provided clear reasoning or supporting evidence for limiting my account and withholding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-12-03 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/2025 a charge for {$3900.00} was processed through my PayPal account. I did not authorize, approve, or initiate this transaction. I immediately contacted PayPal to report the fraud and dispute the charge as unauthorized. I have been reporting fraud same day within a hour or so.

PayPal has stated that I authorized the transaction, which is incorrect. I never gave consent, and my account appears to have been compromised. Despite my multiple attempts to resolve this, PayPal has refused to refund the transaction and closed my claim improperly. 

I followed all required procedures : Reported the charge as unauthorized immediately. Within a hour of me seeing the charge on XX/XX/2025. 
Informed PayPal my account was compromised. 
Another charge was attempted for {$3300.00} within minutes that was denied. 
Requested the case be reopened. 
Confirmed I did not have any subscription, agreement, or relationship with the merchant. 

PayPal has failed to provide : XXXX. Evidence of any authorization from me. 
XXXX. Proof of login or device activity confirming I initiated the charge. 
XXXX. A correct investigation under Regulation E for unauthorized electronic fund transfers. 

Under federal regulations ( XXXX XXXX ), consumers are protected from liability for unauthorized electronic transfers when reported promptly. PayPal has not followed these guidelines.

This charge is fraudulent. I did not authorize it, I did not benefit from it, and PayPal has improperly denied my dispute. 

I am requesting CFPB assistance to : XXXX. Require PayPal to reopen the claim as unauthorized activity. 
XXXX. Refund the full {$3900.00}. 
XXXX. Provide documentation of their investigation. 
XXXX. Ensure my account is secured and no further fraudulent activity occurs. 

What resolution I am seeking : A full refund of {$3900.00} and correction of XXXX improper handling of my unauthorized transaction claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Revenue Corporation
State: TX

Complaint narrative:
These debt collectors have engaged in abusive, deceptive, and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they failed to follow the legally required five-step debt validation process, denying me my right to proper notice and verification, which constitutes an unfair and unlawful practice. Under the FDCPA, I am entitled to up to {$1000.00} per violation, and these actions represent clear violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: VA

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-12-03 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 have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MO

Complaint narrative:
I am filing this complaint because Chime received my federal tax refund deposit but did not credit it to my account. When I contacted Chime support, they repeatedly told me the money was taken for a secured banking card, which does not make sense because Chime does not offer any secured card or service that would justify taking my refund.

Chime has not provided any proof, transaction details, or an ACH trace showing where my refund went. They also will not confirm if the refund was returned to the IRS. I have now spoken to multiple Chime agents and received conflicting and unclear information.

I believe Chime has either : Incorrectly withheld my refund, or Returned it to the IRS without notifying me, or Miscommunicated the reason the deposit was rejected.

I am requesting that Chime : Provide a clear explanation of what happened to my tax refund deposit, Give me the ACH trace number, And release the funds to me if they were improperly held.

This situation has caused financial hardship, and I need urgent resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PACE Funding Group, LLC
State: CA

Complaint narrative:
We are filing this complaint because XXXX XXXX XXXX approved, funded, and continues to enforce a PACE assessment for home improvements that were never completed, were left in an unsafe condition, and were performed by a XXXX who later developed licensing issues and abandoned the job. 

In XXXX, the PACE-financed XXXX, XXXX XXXX XXXX XXXX removed exterior siding and electrical panel covers from our home during installation work and never reinstalled them properly. This left exposed wiring, open electrical panels, and unfinished exterior surfaces, creating a significant safety hazard and clear violations of California XXXX and XXXX XXXX. 

A large portion of the contracted work was never completed, including exterior finishing and promised materials. The XXXX never returned to complete the job, despite multiple emails and documented complaints. 

XXXX XXXX XXXX acknowledged our complaints in 2018 but never followed up, never investigated, and never arranged for repairs or inspection. The home remains partially unfinished to this day. 

We believe XXXX XXXX XXXX failed to : Properly supervise its approved XXXX Ensure the project was completed before releasing funds Conduct required post-project verification Respond appropriately to homeowner complaints Protect consumers from XXXX misconduct The XXXX subsequently developed licensing issues, verifying a pattern of misconduct. 
We are requesting that the CFPB investigate PACE Funding Group for : XXXX XXXX and enforcing an assessment on incomplete and unsafe work XXXX. Ignoring documented homeowner complaints XXXX. Failing to require XXXX accountability XXXX. Violating required PACE oversight responsibilities XXXX. Continuing to burden the homeowners with an invalid assessment We are seeking : Full cancellation of the PACE Assessment # XXXX, OR Reduction of no less than 80100 % due to the incomplete work, unsafe conditions, XXXX abandonment, and oversight failures We have already filed complaints with XXXX ( the program XXXX ), the XXXX XXXX XXXX PACE Ombudsman, and are preparing filings with the California Attorney General and FTC. 

We request immediate review and action from the CFPB. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

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
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MD

Complaint narrative:
My password won't work anymore on my cash app card and it will not let me change my password at all. And my cash app card has been unlocked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: AZ

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
The reported details do not properly represent my financial history. Kindly review the record and revise it appropriately.

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