vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
In XX/XX/year>, I was the victim of a crossborder fraud that PayPal mishandled, and PayPal is now attempting to shift the financial loss caused by a scammer onto me. 

I jointly purchased a pair of digital tickets with another person I met on XXXX XXXX XXXX XXXX XXXX  ). Since the tickets required RMB payment, they sent me {$2000.00} + {$16.00} fee via PayPal Goods & Services and instructed me to exchange and remit the exact amount in RMB ( XXXX XXXXXXXX ) to the bank account they provided. I completed the transfer immediately and have full records. 

After they received the RMB payment, they fraudulently initiated a bank chargeback, claiming the PayPal payment was unauthorized and not done by them. This is absolutely false : They personally chatted with me and acknowledged sending the payment.

They sent screenshots of the PayPal transaction and the ticket order ( which only the buyer can access ).

They gave me their full name and bank account information for the transfer, which accord with the person who dispute.

Our communication continued after the transaction without any claim of unauthorized access.

They even stated in writing : Dont worry, I wont dispute.

I submitted all evidence to PayPal chat logs, transaction records, timestamps, and proof that the XXXX payment account was later flagged as fraud. 
Despite this, PayPal ruled in favor of the fraudster without carefully reviewing my document and threat me to use collection agency for this " debt '' I " own '' to PayPal.

What makes this case worse : When the bank pulled back the money from PayPal due to the scammers false claim, PayPal could not recover the funds from the bank, so PayPal took the money from me instead the victim who already paid out the equivalent funds in RMB.

In other words : The scammer has both the tickets value and the PayPal refund And PayPal made me financially responsible for the scammers bank dispute.

This outcome is not only unjust but dangerous it shows PayPal Buyer Protection can be weaponized by fraudsters while PayPal ignores clear evidence.

My request for CFPB : 1. Investigate PayPals failure to evaluate fraud evidence and protect consumers.

2. Require PayPal to reverse this decision and restore my funds.

3. Prevent PayPal from transferring liability to victims when a criminal lies to their bank.

I am prepared to provide the evidence PDF again upon request. PayPal acknowledged I was scammed but refused to correct the decision. My call with Paypal should be recorded in its system.

I trusted PayPal to ensure transaction safety. Instead, I was punished for being defrauded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-03 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: GA

Complaint narrative:
I am disputing the following inquiries and late payments on my credit report with Equifax : INQUIRIES : XXXX - Date Open : XX/XX/25 LATE PAYMENTS : XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I am not affiliated with these accounts ; delete them within 15 days as stated in USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: MD

Complaint narrative:
I am disputing the following items reported by TransUnion. Please review and verify the accuracy of the accounts listed below. If any information can not be verified, I request that it be removed. 

CHARGED OFF XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES XXXX Date Opened : 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 explanation
Consumer complaint received 2025-11-03 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:
Charged-Off Accounts XXXXXXXX XXXX XXXX XXXX Account # XXXX Reported Charged Off on XXXX {$1000.00} This account is not recognized. I request validation and removal if unverifiable. 

XXXX XXXX Account # XXXX Reported Charged Off on XXXX {$150.00} I do not have a direct account with this company ; please provide validation. 

XXXXXXXX XXXX ( XXXX XXXX ) Account # XXXX Reported Charged Off on XXXX {$580.00} This account may have been settled or inaccurately reported. Please verify all details including date of first delinquency and balance. 

Hard Inquiry XXXX XXXX XXXX dated XXXX I did not authorize this inquiry. Please confirm permissible purpose under FCRA XXXX and remove if unauthorized. 

Late Payments/ Delinquencies XXXX XXXXXXXX Account # XXXX Late payment ( XXXX ) reported in error; please verify payment history. 

XXXX XXXX XXXX XXXX Account # XXXX This reporting appears to be in error or unrelated to credit activity. Please verify legitimacy and remove if unverified. 

XXXX XXXX XXXX Account # XXXX Late payments may have been reported inaccurately ; please investigate and correct.

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 2025-11-03 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: TX

Complaint narrative:
This account does not belong to me and is being reported incorrectly.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-03 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I am filing this complaint to dispute inaccurate and incomplete information being reported on my credit reports. I request that the following accounts be investigated and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). If any of these items can not be verified, I request that they be removed from my credit report. Below are the disputed accounts, separated by each credit bureau : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$1600.00} XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$2300.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$820.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$370.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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:
This erroneous item mischaracterizes my financial behavior. I respectfully request its deletion or correction.

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 2025-11-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am disputing inaccurate and incomplete information on my credit file under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ) ). 
1 Incorrect Name ( AKA ) Please remove the incorrect Also Known As XXXX XXXX XXXX. My correct legal name is XXXX XXXX. Maintaining an inaccurate identifier violates 1681e ( b ). 
2 Collection XXXX XXXX XXXX XXXX XXXX Reported as Account # XXXX XXXX XXXX XXXX XXXX balance {$400.00}, opened XX/XX/year>. This tradeline is incomplete and unverifiable because it shows a masked account number and no itemization of debt or original agreement. Under 1681i ( a ) ( 1 ) ( A ), please reinvestigate and delete the entry if you can not obtain complete verification of accuracy and ownership.

If verified, provide me with the method of verification and a written description of your reinvestigation procedure as required by 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ).

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 2025-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Was recently informed by Nelnet In XX/XX/XXXX that my loan was XXXX under Borrowers defense but i was not elgible for a refund of my taxes that was garnished in XXXX. After submitting complaint after complaint with the ombudsman office nothing being resolved cases being closed and ignored. I reached out to Default resolution group that informed me i am eligible for the money to be refunded but Nelnet must do they part instead of saying I have a ffel loan. When in XXXX it may have been ffel but was consilidated in XXXX and taxes taken in XXXX and Debt management even said that they would have not garnished my taxes for a private loan only loans of the department of education XXXX Student aid told me to submit a complaint against Nelnet for providing me inaccurate and misinformation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A {$7.00} toll charge posted to my XXXX  XXXX XXXX credit card on XX/XX/year>. I had autopay enabled for years, paying in full from my XXXX  XXXX XXXX checking account. XXXX  XXXX XXXX XXXX my autopay due to an internal system migration in approximately XXXX, without notifying me. I did not turn off autopay myself. 

I did not receive any notice from XXXX  XXXX XXXX that autopay was XXXX, nor any delinquency notifications at 30 days or 60 days. My first notice of the late payment did not come from XXXX  XXXX XXXXit came from XXXX on XXXX, at the XXXX mark. I immediately paid the balance on XXXX. 

During escalation, XXXX  XXXX XXXX stated that notices were sent to customers about re-enrolling in autopay ( XX/XX/XXXX and XX/XX/XXXX ) and that they appear on my account, but I never received them. These messages are not in my email or spam folders. 

Because autopay was XXXX without my action or awareness, and because I received no delinquency notices from XXXX  XXXX XXXX, I was denied the opportunity to cure the missed payment. The 60-day late mark resulted from a servicing failure, not intentional nonpayment. I am requesting correction of the inaccurate derogatory 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 2025-11-03 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: Experian Information Solutions Inc.
State: CA

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 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-03 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: CA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Im disputing inaccurate/unverified credit reporting with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEMENT XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I have sent written disputes since the month of XXXX and provided documents ( attached ). The companies did not correct, verify properly, or mark the items as disputed, contrary to the FCRA/FACTA and FDCPA.

Please require deletion/correction of the specific items listed in my attachments across all bureaus, or provide proper verification ( method of verification and source ). Also confirm changes in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
On XXXX XXXX, Santander Bank repossessed my vehicle out of XXXX of Delaware without prior notice to repossess. They impounded or repossessed my vehicle less than a month after my Chapter XXXX bankruptcy was dismissed for other reasons. I calmed them when they demanded that I pay {$22000.00} in order to retrieve the XXXX XXXX XXXX. My daughter tried multiple times to go and retrieve her personal property from the vehicle as initially agreed, they canceled the appointment and tolls her to rebook for another day. She went on to make another appointment but was told to go to a different location. When my daughter arrived and I was on the phone with her, she was not allowed to get the rest of the personal property items, and she was made to beg but was only allowed to get her employee identification card. Meanwhile, on XX/XX/XXXX, I received a letter in the mail informing me that Santander bank had decided to repossess their collateral because I was behind on payments. 

On XXXX XXXX, I called to inform them that I had filed for Chapter XXXX emergency bankruptcy and wanted to know when I can pick up the vehicle before the XX/XX/XXXX, auction deadline. I was told that my bankruptcy was not active I the system but I must fax the Letter of Filing to Santander Bankruptcy Department. I followed all instructions, and I reached out to confirm fax delivery but was told I still owed them a pay off amount due to delinquency of 340 days on the loan.The customer serve representative from Bankruptcy department went on to laugh at me and then hung up. We have not been allowed to retrieve personal property items and vehicle after Bankruptcy filing. I am also concerned about their GPS device they installed in the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am disputing the following inquiries on my Equifax credit report : Inquiries : XXXX  : Date Opened : XX/XX/year> XXXX : Date Opened : XX/XX/year> XXXX XXXX  : Date Opened : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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