vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
calling multiple times at XXXX XXXX loan a few days late. they should not be calling this late at night.

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 2025-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following creditors have violated my rights under : 15 U.S.C 1681 Section 602 ( A ) : which states I have the right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : which states a consumer reporting agency can not furnish an account without my written instructions. 

These accounts are being reported without my written permission and are a direct violation of my rights under FCRA : Wells Fargo {$0.00} ( Settled from ~ {$17000.00} ) Reported XX/XX/

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 2025-09-04 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/year>, I attempted to receive a payment from what I believed to be an official XXXX website. I just opened up a new XXXX store, and had an order confirmation email in my inbox. I was told I had to put card information in to authorize a temporary hold and then entered my PayPal XXXX XXXX that I opened to complete what I thought was the steps to help get my payment so I could ship the order to what I thought was a customer. I later discovered the site was a fraudulent website impersonating XXXX. No goods or services were ever provided, and the merchant was actually a scam operation and that took my {$490.00} to a name that is " XXXX XXXX '' I immediately reported the transaction to PayPal and filed a dispute within 1 hour of the scam to hope that they could cancel the payment because {$490.00} is a lot of money. On that call PayPal told me to not worry and that I had to wait until the transaction exited the " pending status '' to make changes or dispute a purchase. 

I noticed on XX/XX/year> that the status was " complete '' so I called PayPal again to dispute the charge. I was informed that they were working with the XXXX team. PayPal then has continued to deny my claim multiple times even while I provided evidence. Their reasoning was that the transaction was classified as a XXXX payment, and therefore was not covered under PayPals internal Purchase Protection. They further stated that the transaction processed correctly, which they argued excluded it from reversal. 

Why this denial is improper : This was not a voluntary peer-to-peer transfer or a normal purchase dispute. It was a case of fraudulent misrepresentation, where I was tricked into believing I was paying XXXX. The recipient had no actual authority to receive funds, and I received no benefit. 
This transaction therefore qualifies as an unauthorized electronic fund transfer under Regulation E ( 12 CFR 1005.2 ( m ) ). PayPal, as the issuer of my debit card, is obligated under 12 CFR 1005.11 to investigate and correct errors, and under 12 CFR 1005.6 my liability is capped because I reported promptly. 

Additionally, as the issuer of a XXXX debit card, PayPal is bound by XXXX XXXX XXXX XXXX, which explicitly states that cardholders are not responsible for fraudulent transactions, including online transactions where card details were fraudulently obtained or misused. 

Supporting evidence attached : Screenshots of the fraudulent website. 
PayPal denial letters stating the XXXX classification. 
My IC3.gov fraud complaint reference number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
XX/XX/year>XXXX  : A scammer coerced me through repeated XXXX calls, texts, and pressure into attempting a {$1000.00} PayPal Friends and Family payment that I did not want to make. 
Bank action : I immediately contacted my bank by phone, and they told me they would block the transaction. I received an email confirmation from my bank stating that the transaction was blocked. No funds were debited from my account. 
PayPal action : Despite my bank blocking the transaction, PayPal advanced funds to the scammer before receiving them from my bank. PayPal is now attempting to hold me liable for {$1000.00}. 
My action : On and after XX/XX/year>, I reported the issue through the PayPal app Resolution Center. The app did not allow me to fully describe the coercion, upload evidence, or properly dispute PayPals decision. I also called PayPals customer support number to explain the situation. 
PayPals response : PayPal stated I am responsible because the payment was marked as Friends and Family, without addressing the fact that my bank blocked the transfer or that I was coerced into attempting it. 
Follow-up harassment : After the attempted transaction, the scammer continued contacting me with XXXX calls , texts, and phone calls to pressure me further. I filed a police report, contacted the credit bureaus, and submitted claims through the FTC and IC3 website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the account in question include XXXX XXXX XXXX, which XXXX XXXX  confirmed would be removed but remains on my report ; it is identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Alleged debt dismissed by court on XX/XX/ Asked company to stop reporting but no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> To : XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX CC : Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Final Demand for Immediate Deletion Unverified, Inaccurate, and Misleading Reporting ( Ref : XXXX, XXXX ) To Whom It May Concern, This letter is in response to your inadequate reply regarding my formal dispute dated XX/XX/year>, referencing the following collection accounts : XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Your response This dispute will be processed according to our correspondence dispute handling policies is legally insufficient under both federal and Florida state law. It fails to meet the basic requirements of a proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ) and does not constitute proof or verification as required by law. 

Legal Violations You Are Now Compounding : FDCPA 809 ( a ) You are required to provide proper validation of the debt before continuing collection efforts, including credit reporting. You have failed to do so.

FDCPA 807 ( 2 ) ( A ) You are misrepresenting the amount, character, and legal status of the debts in question by reporting unverifiable or possibly duplicated debts.

FCRA 1681i ( a ) ( 1 ) ( applies to Experian ) You are reporting debts that are unverified, potentially duplicative, and inaccurate Experian is legally obligated to remove any item that can not be verified.

Florida Consumer Collection Practices Act ( FCCPA ) 559.72 Under Florida law, your actions may constitute misleading and deceptive practices, which are grounds for state-level legal action and penalties.

Summary of Issues with These Accounts : No signed contract or original billing records have been provided.

No evidence of chain of assignment from the original creditor. 

Duplicate reporting of the same alleged obligation under different entities. 

Incorrect balance information and incomplete payment application. 

The debts are being reported without proper validation or permissible purpose. 

DEMAND FOR IMMEDIATE ACTION : I now formally demand that XXXX XXXX and Experian : Delete the above-mentioned accounts from all credit reports within 15 calendar days of receiving this letter. 

Cease all reporting, collection, or communication regarding these unverifiable and disputed accounts. 

Send written confirmation of deletion to the address above. 
You are hereby notified that continued inaccurate reporting or collection efforts will be seen as willful noncompliance and cause for legal escalation.

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 2025-09-04 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: KS

Complaint narrative:
I am filing this complaint regarding my mortgage loan with XXXX XXXX XXXX ( XXXX XXXX ). In XX/XX/year>, I made a full mortgage payment of {$3500.00} on XX/XX/year>, along with an additional principal payment of {$3000.00}. Both payments were later reversed by the servicer on XX/XX/year>XXXX  without explanation. My bank account was in good standing and other bills cleared normally during this time. 

In XX/XX/year>, I made two full payments ( on XX/XX/XXXX and XX/XX/XXXX, each for {$3500.00} with correct allocations to principal, interest, and escrow ) and a partial payment of {$530.00}. Despite these payments, my account was incorrectly assessed late fees ( which were later waived ), and now my credit report shows a 30+ day delinquency for this period. 

The servicer has already confirmed that my account is paid and up to date, but they have failed to correct the inaccurate credit reporting. 



Steps I took to resolve the issue : On XX/XX/year>, I submitted a Notice of Error under RESPA ( 12 CFR 1024.35 ) disputing the misapplied payments and inaccurate delinquency reporting. 
On XX/XX/year>, the servicer acknowledged receipt of my Notice of Error. 
However, more than 30 business days have passed and I have received no resolution, in violation of RESPAs required timelines. 
I sent follow-up messages, which have been ignored.

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 2025-09-04 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: KS

Complaint narrative:
I am filing this complaint regarding my mortgage loan with XXXX XXXX XXXX ( XXXX XXXX ). In XX/XX/year>, I made a full mortgage payment of {$3500.00} on XX/XX/year>, along with an additional principal payment of {$3000.00}. Both payments were later reversed by the servicer on XX/XX/year>XXXX  without explanation. My bank account was in good standing and other bills cleared normally during this time. 

In XX/XX/year>, I made two full payments ( on XX/XX/XXXX and XX/XX/XXXX, each for {$3500.00} with correct allocations to principal, interest, and escrow ) and a partial payment of {$530.00}. Despite these payments, my account was incorrectly assessed late fees ( which were later waived ), and now my credit report shows a 30+ day delinquency for this period. 

The servicer has already confirmed that my account is paid and up to date, but they have failed to correct the inaccurate credit reporting. 



Steps I took to resolve the issue : On XX/XX/year>, I submitted a Notice of Error under RESPA ( 12 CFR 1024.35 ) disputing the misapplied payments and inaccurate delinquency reporting. 
On XX/XX/year>, the servicer acknowledged receipt of my Notice of XXXX. 
However, more than XXXX business days have passed and I have received no resolution, in violation of RESPAs required timelines. 
I sent follow-up messages, which have been ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: KS

Complaint narrative:
I am filing this complaint regarding my mortgage loan with XXXX XXXX XXXX ( XXXX XXXX ). In XX/XX/year>, I made a full mortgage payment of {$3500.00} on XX/XX/year>, along with an additional principal payment of {$3000.00}. Both payments were later reversed by the servicer on XX/XX/year>XXXX  without explanation. My bank account was in good standing and other bills cleared normally during this time. 

In XX/XX/year>, I made two full payments ( on XX/XX/XXXX and XX/XX/XXXX, each for {$3500.00} with correct allocations to principal, interest, and escrow ) and a partial payment of {$530.00}. Despite these payments, my account was incorrectly assessed late fees ( which were later waived ), and now my credit report shows a 30+ day delinquency for this period. 

The servicer has already confirmed that my account is paid and up to date, but they have failed to correct the inaccurate credit reporting. 



Steps I took to resolve the issue : On XX/XX/year>, I submitted a Notice of Error under RESPA ( 12 CFR 1024.35 ) disputing the misapplied payments and inaccurate delinquency reporting. 
On XX/XX/year>, the servicer acknowledged receipt of my Notice of Error. 
However, more than 30 business days have passed and I have received no resolution, in violation of RESPAs required timelines. 
I sent follow-up messages, which have been ignored.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear TransUnion LLC, I am writing to formally dispute the accuracy of the XXXX XXXX account listed on my credit file. The account information is being reported inaccurately and inconsistently across your bureau and the other XXXX XXXX XXXX XXXX, in violation of the Fair Credit Reporting Act ( FCRA ). 

Account in Question : Creditor : XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Specific Inaccuracies Noted : High Balance : XXXX report {$2800.00} XXXX  reports {$0.00} ( inaccurate and inconsistent ) Date of Last Activity : TransUnion/XXXX  : XXXX XXXX  : XX/XX/XXXX ( conflict in reporting ) Date of Last Payment : XXXX : XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Creditor Type : XXXX : Bank Credit Cards XXXX XXXX All Banks Late XXXX XXXX XXXX XXXX late payment notations ( 30-day and 60-day ) do not align consistently across all three credit bureaus. This makes the reporting unverifiable My Rights Under the FCRA Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unverifiable information. You must complete a reinvestigation within 30 days ( or 45 days if I provide additional documents ). 
Under FCRA 623 ( 15 U.S.C. 1681s-2 ), furnishers of information ( XXXX in this case ) are required to report accurate and consistent information to all credit bureaus. 

Because the information reported is inconsistent, inaccurate, and unverifiable, I am requesting that the late payment history be deleted and the tradeline corrected. 

Requested Action : Delete the inaccurate late payment history reported by XXXX. 

Please provide me with the results of your investigation in writing, along with an updated copy of my credit report. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX DOB : XX/XX/XXXXXXXX   SSN ( last 4 ) : 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 2025-09-04 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management and XXXX  reporting a collection without my permission and never doing business with them. I want it deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company 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