vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Subject : Formal Complaint Regarding PayPal 's Refusal to Assist in Fraudulent Transactions and Chargeback Process To Whom It May Concern, My name is XXXX XXXX, and I am submitting this complaint regarding PayPals conduct in handling a series of fraudulent transactions processed through their platform. I have encountered persistent negligence, miscommunication, and refusal to take accountability by PayPal during the chargeback process. 

Summary of the XXXX : Between XX/XX/XXXX and XX/XX/XXXX, I was a victim of XXXX fraudulent transactions processed via PayPal. Despite reporting the transactions promptly and submitting all relevant documentation ( including a formal fraud report to the FTC, Receipt ID : XXXX ), PayPal failed to take any decisive action or provide real support. 

Disputed Transactions : Below are the XXXX PayPal XXXX XXXX in question : XXXX {$1200.00} USD XXXX XXXX {$720.00} USD XXXX XXXX {$510.00} USD XXXX XXXX {$1500.00} USD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} USD XXXX XXXX {$300.00} USD XXXX XXXX {$870.00} USD XXXX XXXX of these transactions ( items XXXX ) occurred in XXXX and were submitted by my issuing banks XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX ) for chargeback. However, XXXX and XXXX rejected them due to exceeding their time limits. Despite the evidence of fraud, these older cases were not accepted by the card networks. 

My Concerns with PayPal : Lack of cooperation : PayPal has consistently refused to escalate or support time-barred cases, even though they have detailed access to how these payments were made and could offer contextual insights. 

Contradictory responses : While PayPal insists the chargeback process is solely between the bank and card issuer, they also acknowledge they are the payment processor and provided the transaction infrastructure. 

Inaction on fraud : PayPal has failed to investigate or support these fraudulent payments adequately, even after I submitted proof and my FTC fraud report. 

My Requests : I request CFPBs assistance in urging PayPal to cooperate with both XXXX and XXXX regarding the XXXX time-barred chargebacks. 

I request CFPB to investigate XXXX refusal to take responsibility for transactions processed through their system, despite fraud evidence. 

I request PayPal to provide a clear resolution, initiate refunds where appropriate, or directly assist in negotiating with the card networks. 

Supporting Documents : Transaction IDs and amounts FTC Complaint Receipt ID : XXXX Multiple response emails from PayPal Submission logs from my issuing banks Thank you for your attention to this matter. I am available to provide any further documentation needed. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: NM

Complaint narrative:
I am filing a complaint against Westlake Financial Services for inaccurately reporting late payments and marking my account as delinquent on my credit report for the months of XXXX and XXXX, despite the fact that payments were made as agreed upon. 
I was never notified that these payments would be considered late or reported as delinquent to the credit bureaus. Additionally, no billing statement or formal notice was provided to me in advance, which is a direct violation of my rights under 15 U.S.C. 1666b of the Truth in Lending Act, which requires a creditor to send periodic statements and allow a reasonable time to make payment before declaring delinquency. 
I have also reviewed the payment timeline and can confirm that the payments in question were not missed and should not have resulted in derogatory marks. Westlakes reporting of these as late or delinquent is both inaccurate and damaging to my credit profile. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), furnishers of credit information are required to report accurate and verifiable data. Reporting these payments as late, without giving proper notice or offering documentation, constitutes furnishing false or unverifiable information.

I have contacted Westlake directly and
requested verification or removal of these late marks, but they have not resolved the matter. I am asking the CFPB to investigate Westlakes reporting practices in this case and compel them to remove the inaccurate negative marks from my credit reports with XXXX XXXX XXXX XXXX 
This inaccuracy has caused significant harm to my credit standing, my house buying process, annd my mental well being and I am requesting that the matter be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
Let me be absolutely clear : this complaint is legitimate and requires your immediate attention. My credit report contains inaccurate information that fails to meet the legal requirement of maximum possible accuracy under the Fair Credit Reporting Act ( FCRA ). These errors are causing serious and ongoing harm to my financial well-being, and their continued presence is unacceptable.

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 2025-07-23 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: AL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-23 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 filing this complaint against TransUnion for continuing to report a charge-off account from XXXX XXXX / XXXX despite my dispute dated XX/XX/year>. 

This account is only being reported by TransUnion and is not on my XXXX  or XXXX  reports. This discrepancy and the lack of verification documents violate the following laws : FCRA 1681e ( b ) : Maximum possible accuracy not maintained FCRA 1681i ( a ) : Failure to reinvestigate disputed item FCRA 1681c-2 : Right to block unverifiable information within 4 business days

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 2025-07-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Several hard inquiries appeared on my credit report that I did not initiate, authorize, or consent to. I did not apply for credit with these companies, nor did I have any interactions or business with them that would justify a permissible purpose to access my credit file under the Fair Credit Reporting Act ( FCRA ).

These inquiries were made without my knowledge and have negatively impacted my credit profile. According to FCRA 604 ( a ), a consumer reporting agency may furnish a consumer report only for specific permissible purposes and with proper authorization. Since no such authorization was given, these inquiries constitute a violation of my consumer rights.

I am requesting a thorough investigation into each inquiry and immediate removal of any that can not be fully verified as authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Date : XX/XX/year> This is to notify you that I am disputing the validity of a debt that you allege I owe and that you may be reporting to one or more consumer reporting agencies. This is a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, and a notice of dispute under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2.

I am requesting the following information : 1. The name and address of the original creditor ; 2. A copy of the original contract or agreement bearing my signature, or any legal documentation proving I agreed to the alleged debt ; 3. An itemized breakdown of the total debt amount, including interest, fees, and charges ; 4. Proof that you are authorized and licensed to collect debts in my state ; 5. The date of first delinquency and verification that the debt is still within the statute of limitations ; 6. Verification that this debt has not been paid or discharged. 

Additional Notice : If you are furnishing information about this alleged debt to any credit reporting agency, you are obligated under the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) to only report accurate and verifiable information. If the information can not be verified, it must be removed. 

Furthermore : You must mark the account as disputed with all credit reporting agencies. 
You must cease all collection and reporting activities until you have fully validated the debt. Failure to Respond : If you do not provide the requested validation within 30 days of receiving this notice, I demand that you : Cease all collection activities immediately ; Remove any negative information from my credit reports ; and Provide written confirmation of your compliance. 

This letter serves as evidence that you are either reporting unverifiable debt, engaging in unfair collection practices, or failing to follow federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MS

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 Commission 's 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 2025-07-23 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: MS

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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NJ

Complaint narrative:
Dear XXXX XXXX, I am writing to formally dispute the accuracy and validity of a charged-off auto loan listed on my credit report under account number XXXX. After reviewing my credit file, I believe the information reported is incomplete, inaccurate, or can not be verified. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting a full reinvestigation of this account. Specifically, I request the following : Verification of the original auto loan agreement and all related documents. 
A complete payment and delinquency history. 
Confirmation of the date of first delinquency and the date the account was charged off. 
Evidence that your agency or the original creditor has accurately reported the account. 
Additionally, I would like to bring to your attention that I have not received a Form 1099-C ( Cancellation of Debt ) related to this charged-off auto loan. If the debt was canceled or forgiven, the creditor is legally required to issue a 1099-C to both me and the IRS under IRS regulations XXXX The absence of this form raises questions about the status and validity of the debt and whether it is still legally enforceable.

If the debt has in fact been forgiven, it should not be listed as collectible or delinquent on my credit report, and I formally request that it be removed or updated accordingly.

As outlined in 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the investigation finds that the disputed information is inaccurate or can not be verified, it must be promptly deleted from my credit file. 

Please complete this reinvestigation within the legally required 30-day period and provide me with written results. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2025-07-23 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: GA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date XXXX XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/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 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America is threatening my health and safety with negligence and malpractice I have a claim for {$75000.00} in damages for mental health and financial damages

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 2025-07-23 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: TX

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief