vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: Block, Inc.
State: MA

Complaint narrative:
I am a XXXX XXXX XXXX XXXXXXXX, and XXXX. I have a friend who helps me with my errands because I do n't drive. I was trying to send her money on XX/XX/year> for some groceries. 
I had {$300.00} in my account and transactions for small amounts are being declined. 
I finally received an email from customer support asking about the money I was sending my friend and why in the section For, I wrote " Iranian cookies ''. 
I sent an email back on XX/XX/XXXX the following day, explaining why I sent her money and that " Iranian cookies '' was a joke between us. 
Let me explain, my friend found a pill at her house. She has a teenager so we looked it up. The internet search came up with '' Iranian cookies ", I was trying to make a funny with my friend. That's it, nothing nefarious. 
They still have not released my money and I can't get any answers from them. I have emailed texted, or called everyday. They've told me nothing. 
I tried to attach the email from customer support but was not successful. Let me know how I can do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: CA

Complaint narrative:
This complaint serves as a formal dispute of several inaccurate, unverifiable, or misleading items currently appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a full investigation of the items listed below and their removal within the legally mandated 30-day timeframe. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$190.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4200.00XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: TX

Complaint narrative:
On XX/XX/year>2025, I submitted a reinvestigation request regarding multiple disputed accounts appearing on my credit reports. In addition, I sent debt validation letters to the companies reporting these accounts. 

To date, I have not received any response or validation from the creditors or debt collectors regarding these accounts. Despite my good-faith efforts, the inaccurate and inconsistent information continues to appear on my credit reports across Experian, Equifax, and TransUnion. 

The disputed accounts include, but are not limited to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX reported only by TransUnion XXXX XXXX XXXX XXXX  ( reported only by Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported only by Experian ) Collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and others These accounts are being reported inconsistently or without proper validation, which is in violation of the Fair Credit Reporting Act. I am requesting the CFPBs assistance to ensure these items are properly blocked and deleted under 15 U.S.C. 1681c-2.

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 2025-09-27 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: TX

Complaint narrative:
On XX/XX/year>2025, I submitted a reinvestigation request regarding multiple disputed accounts appearing on my credit reports. In addition, I sent debt validation letters to the companies reporting these accounts. 

To date, I have not received any response or validation from the creditors or debt collectors regarding these accounts. Despite my good-faith efforts, the inaccurate and inconsistent information continues to appear on my credit reports across Experian, Equifax, and TransUnion. 

The disputed accounts include, but are not limited to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX reported only by TransUnion XXXX XXXX XXXX XXXX  ( reported only by Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported only by Experian ) Collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and others These accounts are being reported inconsistently or without proper validation, which is in violation of the Fair Credit Reporting Act. I am requesting the CFPBs assistance to ensure these items are properly blocked and deleted under 15 U.S.C. 1681c-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
In XX/XX/year>2025, I made a purchase through PayPal for large furniture that arrived incomplete, missing parts, and not as described in the listing. I opened a dispute through PayPals XX/XX/XXXX. During a phone call with a PayPal representative which I recorded, I was told that if the seller did not provide return shipping, a label, packaging, and arrange pickup due to the items size, I would automatically be refunded without needing to return the item myself. 

The seller never provided any return instructions, shipping label, packaging, or pickup. Despite this, PayPal closed the case in the sellers favor and denied my refund. I also explicitly asked that payments be paused during the dispute, and I was told this would happen but I was still charged. 

I submitted photo evidence and side-by-side listing comparisons showing that the product was misrepresented. I followed PayPals process in good faith and relied on the instructions I was given by their representative. I should not be expected to package and return large, incomplete furniture when the seller failed to meet basic obligations. 

I am requesting a full refund under PayPals XXXX XXXX and for this matter to be fairly reviewed. If a refund is not granted, I request that PayPal be required to provide a written explanation for why the policy I was told over the phone was not honored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/ 2025, I placed a {$160.00} order through XXXX XXXX  from The Screen Door. The delivery driver handed me only one bag. The restaurant confirmed that the driver did not pick up the full order and stated they would refund the entire amount. 

XXXX XXXX  also promised a refund. I received a partial refund of {$100.00} on XXXX XXXX, 2025, but never received the remaining {$61.00}. I contacted XXXX XXXX  multiple times via customer service chat, and they confirmed I would be refunded, but later refused, claiming I waited too long, even though I contacted them promptly. 

I filed a dispute with Bank of America ( Case # XXXX ) for the missing {$61.00}. On XX/XX/2025, the bank denied my dispute after the merchant responded with the reason invalid. The merchants only evidence was a record of the partial refund, which does not resolve the fact that I did not receive the rest of my order. 

I am requesting that Bank of America reopen the dispute and properly review the evidence showing the order was incomplete and both XXXX XXXX  and the restaurant acknowledged the mistake. 

Legal / regulatory support : - Card network rules allow disputes when services are not fully provided ( XXXX  Reason Code XXXX/ XXXX XXXX ). 

- Under 15 U.S.C. 1693f and 12 C.F.R. 1005.11, Bank of America is required to conduct a reasonable investigation of reported errors ; denying the dispute solely based on a merchant response without addressing whether the services were completed does not meet this standard.

- Failing to deliver the full order and then refusing the remaining refund may constitute an unfair or deceptive act under 15 U.S.C. 45 ( a ) ( FTC Act ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-27 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: MD

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue XXXX  and worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. XXXX accuracy and fairness of credit reporting. Also, in XXXX v. XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX 2018 ).

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 2025-09-27 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: WA

Complaint narrative:
b'Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect \nmy actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is \ninconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act (FCRA), \n15 U.S.C. XX/XX/XXXXet seq., and I request a thorough reinvestigation of the following items.XX/XX/XXXXWA,XX/XX/XXXX WA, XX/XX/XXXX WA, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
Back in XXXX of XXXX  I made an appointment with XXXX dental to have work done. They told me I would need a care credit card to pay for the {$1900.00} for the procedure. The next day I decided to not have the procedure done and I cancel it, I called XXXX XXXX and cancelled it. The following week I got a bill from care credit for {$1900.00} looking for the first payment! So I called and cancelled the card and called XXXX XXXX and explained my situation and had them wipe the card clean and told them I cancelled the card, I told the guy on the phone to just bill me directly for what I did have done the first day I went. So a few weeks later I got a bill for {$330.00} and I sent XXXX dental the full amount. But I'm still getting a bill from care credit every month saying I owe them money. But XXXX told me they wiped the card! And I tried filing a claim with care credit, but the woman I talked to online kept cutting me off and wouldn't allow me to explain my situation fully. Now every time I get a bill, they keep tacking on a late fee, I sent them a long detailed letter about the situation but I keep getting bills. I was billed on a card that I didn't really want for a procedure that I cancelled and didn't have done!

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 2025-09-27 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-09-27 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:
This complaint serves as a formal dispute of several inaccurate, unverifiable, or misleading items currently appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a full investigation of the items listed below and their removal within the legally mandated 30-day timeframe. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$190.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4200.00XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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:
This complaint serves as a formal dispute of several inaccurate, unverifiable, or misleading items currently appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a full investigation of the items listed below and their removal within the legally mandated 30-day timeframe. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$190.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4200.00XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United PanAm Financial Corp.
State: NY

Complaint narrative:
I am a victim of XXXX XXXX  and my credit has been being used and fall types of fraudulent activities has been get on my credit report with information that I dont even recognize and I have no idea wat to do United auto credit XXXX XXXX XXXX XXXX XXXX and Im looking to remove all fraudulent activities

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX , DC XXXX Subject : Complaint Regarding Inaccurate Credit Reporting XXXX  XXXX Charge-Off Dear Consumer Financial Protection Bureau , I am submitting this complaint regarding inaccurate, misleading, and incomplete information being reported on my credit file by XXXX  XXXX and furnished to the credit reporting agencies. The details of the account in question are as follows : Creditor Name : XXXX  XXXX Account Number ( partial ) : XXXX Date Opened : XX/XX/XXXX Status Reported : Account charged off, {$1600.00} written off, {$1600.00} past due as of XX/XX/XXXX Reported Balance : {$1600.00} On Record Until : XX/XX/XXXX I believe this reporting violates the Fair Credit Reporting Act ( FCRA ) and places an unfair burden on my creditworthiness. Specifically : 1. The account is listed as a charge-off while also showing a past-due balance of {$1600.00}. A charge-off and a past-due balance should not be reported simultaneously. Once charged off, the balance should either be reported as {$0.00} or accurately coded to reflect its closure/transfer. This dual reporting misleads lenders and damages my credit profile. 
2. The payment history shows repeated CO notations through XXXX, even though the account was already charged off as of XX/XX/XXXX. Continuing to mark payments as charged off after the official charge-off date creates duplicate derogatory entries and is inconsistent with proper reporting practices. 
3. The Date of First Delinquency ( DOFD ) appears to be inaccurately reported or re-aged. The report states this account will remain until XX/XX/XXXX, which exceeds the 7-year reporting limit allowed under FCRA 605 ( c ). This suggests unlawful re-aging, which is strictly prohibited. 

Because these reporting practices are inaccurate, misleading, and harmful, I request that the CFPB investigate this matter to ensure compliance with federal law. Specifically, I am asking that XXXX XXXX and the credit bureaus : Correct or remove the duplicate and inaccurate derogatory information.

Ensure the account is not re-aged beyond the 7-year reporting period.

Provide me with written confirmation of compliance.

I appreciate the Bureaus attention to this matter and request that this complaint be investigated thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
Received a letter threatening to sue me for a debt that is more than 6 years old. Legally they can not sue me for a debt that is 4 years old or more according to state law.

Company response to consumer: Closed with explanation