vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 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: CA

Complaint narrative:
On XX/XX/XXXX, I ordered an item from XXXX per their online website. The item arrived on XX/XX/XXXX. It was not the item I ordered, as depicted on the website. I received a counterfeit, cheap tin item. I contacted the company, located in XXXX, about the problem. They refused to refund the amount they received from PayPal, citing that they delivered an item, even if it was not the depicted item. I sent photos of both items. I then contacted PayPal to request a reversal. I sent them the correspondence and pictures of the item. They refused to refund the amount. I contacted the XXXX  and found out this company has done this to many individuals. Numerous fraudulent advertisements, counterfeit items, and deceitful business practices were cited for this company, XXXX. I appealed the decision with PayPal, and they refused to refund the money. The total amount is {$30.00} taken from my PayPal account. Although this seems like an insignificant amount, it is the principle of the matter. Paypal should not allow the deceitful practices of its merchants. Paypal should protect its consumers. Therefore, I am writing in the hopes that CFPB would assist in the protection of the consumers. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased a vehicle financed by Chase Bank. There was an accident with the vehicle where it was considered a total loss. The vehicle had a debt of approximately {$38000.00}, where the insurance company, XXXX XXXX, agreed to pay approximately {$30000.00}, and I paid the remainder of the financing. This happened. The debt was paid, but Chase did not send me the vehicle title. No proof of payment. This vehicle was paid in XXXX. I have been calling and trying to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: GA

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. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXXe ) 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 2025-10-19 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: GA

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 2025-10-19 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 2025-10-19 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:
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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because I am repeatedly being denied meaningful access to my own credit reports from the nationwide consumer reporting agencies, despite following all required procedures. 

Most recently, when attempting to obtain my TransUnion credit report directly through their website, the report page is completely blank. Specifically, when I log in, select credit report, and click expand all, no information is displayed. I attempted multiple troubleshooting steps, including refreshing the page, printing the report, switching browsers, clearing pop-ups and blockers, and trying again later. Despite all efforts, the report remains inaccessible. 

This problem is not limited to TransUnion. I have also experienced recurring difficulties accessing my credit reports from XXXX and the other XXXX nationwide credit reporting agencies. At times, the site informs me that my report can not be accessed, or the system simply fails to generate the report. This has become an ongoing and unreasonable barrier to exercising my rights under the Fair Credit Reporting Act ( FCRA ). 

As a consumer, I am entitled to timely and accurate access to my credit reports. I should not be forced to repeatedly troubleshoot or endure blank pages and inaccessible files. The process has become unnecessarily burdensome, and I should not have to resort to filing CFPB complaints simply to see my own credit profile. 

Requested Resolution : Require the nationwide consumer reporting agencies to provide me with immediate and reliable access to my full credit reports. 

Investigate the ongoing technical failures that prevent consumers like me from accessing our reports, whether through XXXX or the bureaus own websites. 

Ensure that the CRAs implement proper technical support and accountability so this does not continue to occur. 

Thank you for your attention to this matter. I ask that the CFPB intervene to ensure that I can finally obtain consistent access to my credit reports.

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CCF Intermediate Holdings LLC
State: MS

Complaint narrative:
I had a accident in the vehicle and it I was totally out I had full coverage insurance on it it should pay the account off oh

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I applied for the American Express XXXX XXXX after seeing a 250,000 points promotional welcome offer and met the required spending threshold to earn the bonus. Received my card on XX/XX/year>. I had previously held this card in the past, but at the time of application, I was not notified that I was ineligible, despite the terms explicitly stating that applicants who are ineligible will be notified prior to processing so they can withdraw. 
I only learned of the decline after completing the spending, which deprived me of the opportunity to make an informed decision. I used this card for significant business spending specifically expecting the welcome bonus. I had to spent {$21000.00} so far. 
I contacted Amex multiple times, but they refused to provide the bonus or any compensation, claiming prior card ownership makes me ineligible and dismissing the lack of notification. 
I request that Amex be required to honor the bonus or provide fair compensation, such as points, a statement credit, or an annual fee refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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:
This agency is in violation of 15 USC XXXXg. They were to notify me of this in writing XX/XX/XXXX days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Therefore, the following accounts must be deleted from my report immediately.

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 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On multiple occasions this company is calling my phone before XXXX and after XXXX on XXXX. 

I am writing this on Sunday, XX/XX/XXXX at XXXX ( PCT ) This company called me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IL

Complaint narrative:
My purse and cell phone was stolen so I nolonger have my email address or old number so I can't access my money in my account. They will not verify me so I can transfer my money. Please XXXX me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital one does not send me copies of my cancelled checks with my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

XXXX U.S.C XXXX ( a ) Time to make payments, A credit XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX U.S.C XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-19 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: OH

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
On Saturday, XX/XX/XXXX, I received an email and text alert from Citizens indicating that several transactions from our checking account had been flagged as fraudulent. These were completely normal transactions ( such as XXXX, XXXX, and XXXX XXXX ), and XXXX charge was a month old. These charges included our monthly cell phone bill, which has been automatically paid from this account, with the same cell phone provider, since XXXX. And out of the blue, it was declined due to supposed fraud, even though it was a normal monthly bill AND there were plenty of sufficient funds in the account. 

I tried to respond to the text message, but it didnt recognize my response and said that I needed to call Citizens. I called immediately and was told that the system flagged these completely normal, everyday charges as fraudulent. Once the representative actually looked at these charges, he admitted that none of them looked suspicious. However, he couldnt do anything about the declined cell phone bill. I had to call XXXX myself and have them put the bill through again. This resulted in my autopay being removed from my account, which I had to set up all over again, and XXXX was going to charge us for the maintenance fee. Because Citizens chose not to notify us until after the charge was declined, we were XXXX day away from a service interruption. 

I am absolutely shocked and furious by Citizens negligence, which was so grossly incorrect that it almost borders on being criminal. Their system, which didnt even appear to have been reviewed by an actual human being, flagged our completely average expenses and bills as being allegedly fraudulent. Im extremely concerned by the fact that Citizens is now deciding what bills we should and should not pay. For absolutely NO reason, they declined our monthly recurring cell phone billwhich again, has been in place for upwards of XXXX yearsand almost resulted in additional charges and an interruption in service for my husband and I. Are we no longer allowed to buy groceries, dog food, or pay our cell phone bill? What if this had happened with our mortgage payment? 

I dont know what kind of system Citizens is using, but clearly, its not a good one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I purchased golf clubs from XXXXXX/XX/XXXX. Within a week I changed my mind and asked the merchant if I could just cancel the order. The merchant ignored my request for XXXX weeks and then shipped the item anyway. The merchant finally agreed to accept return of merchandise provided I can show that they're still new in box. I shared photos of the items still in original packaging and sent them merchandize based on their instructions with confirmed tracking and they're saying they did not receive them. Apple card refuses to support my claim and will not provide me with a credit. XXXXXX/XX/XXXX is a marketing company with items shipped from XXXX and doesn't care about customers. They use influencers on social media to peddle their products and provide absolutely no customer service whatsoever. They've made every possible attempt to return thee items impossible. Note : The Apple Card/Goldman Sachs obsifucates the account number on all my statements and removed it from the wallett so I am not even sure what the account number is now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-19 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: WI

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 non-monetary relief
Consumer complaint received 2025-10-19 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: TX

Complaint narrative:
This company has reported me XXXX plus days late on payments, I believe because of a language barrier, this company whom representatives I can not understand at times, have mixed up a closed account with a account I still had opened. I had XXXX cards with different amounts. I believe XXXX had XXXX and the other XXXXI closed XXXX account, but it's as if they kept charging me for the closed account, or mixing it up with the open account. My payments were made on time.

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 2025-10-19 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: TX

Complaint narrative:
This company has reported me XXXX plus days late on payments, I believe because of a language barrier, this company whom representatives I can not understand at times, have mixed up a closed account with a account I still had opened. I had XXXX cards with different amounts. I believe XXXX had XXXX and the other XXXXI closed XXXX account, but it's as if they kept charging me for the closed account, or mixing it up with the open account. My payments were made on time.

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 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Calling constantly from a bunch of various different numbers. I block and they call from another one. Calling before XXXX on a Sunday. Trying to collect a debt i guess but I never authorized any business with them. These unscrupulous people need to be banned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: AR

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 non-monetary relief