vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Pay pay respond denied, no reason just denied. The date of the company that they paid on my behalf is wrong data, will not respond by phone and the number pay pal gives is the wrong phone number. I email the medical app company and then sent me this email upport ] Re : Regarding your XXXX subscription and refund request Inbox Support # XXXX ( XXXX XXXX XXXX XXXX XXXX ( XXXX hour ago ) to me Hello, Thank you for reaching out to us. 

I understand your concern regarding the recent charge. I can confirm that your XXXX subscription has already been canceled, so you will not be charged again in the future. 

Regarding your refund request, according to our policy, payments are non-refundable once processed. The subscription terms, including automatic renewal, are presented during the initial sign-up process. If you believe this charge was made in error or without your authorization, you may also wish to contact PayPal directly for further assistance.

At this time, we do not offer phone support, but I am here to help you with any questions or concerns you may have by email.

If you have any additional questions or need further assistance, please let me know. 

Best wishes, XXXX XXXX, Junior Support Specialist I tried to recontact pay pal but they too refuse to use phone. In fact there is not way you can email pay pal. there is not way to cantact them only by clicking their listed issue....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MI

Complaint narrative:
I am disputing the continued reporting of negative payment history and charge-off status by XXXX XXXX  after the account was sold to XXXX XXXX XXXX XXXXXXXX, which I believe may violate provisions of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( a ) and ( b ). 

The account was : Opened on XX/XX/XXXX, with a highest balance of {$1600.00}. 

Charged off in XXXX and XX/XX/XXXX, and closed with a {$0.00} balance. 

Later sold to XXXX XXXX, XXXX, as reflected in the tradeline. 

Despite the sale, XXXX XXXX is continuing to report derogatory payment historyincluding 30, 60, 90-day late payments, and charge-offs after the sale occurred. This creates the misleading appearance that the debt is still owned and updated by XXXX, even though the legal ownership has transferred to another entity. 

This dual reporting of the same debt both by XXXX and the debt purchaser ( XXXX XXXX, XXXX ) may constitute duplicate reporting, which is misleading to lenders and causes unfair credit score damage. Under FCRA, all information furnished to credit bureaus must be accurate, complete, and not misleading. Once an account is sold, the original creditor should no longer report delinquencies or updates unless clearly marked as " transferred/sold, closed. '' My dispute was processed in XX/XX/XXXX, but the outcome failed to resolve the misleading nature of the tradeline. It still reflects late payments and charge-offs after the account was no longer owned by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: MI

Complaint narrative:
I am disputing the continued reporting of negative payment history and charge-off status by XXXX XXXX  after the account was sold to XXXX XXXX XXXX XXXXXXXX, which I believe may violate provisions of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( a ) and ( b ). 

The account was : Opened on XX/XX/XXXX, with a highest balance of {$1600.00}. 

Charged off in XXXX and XX/XX/XXXX, and closed with a {$0.00} balance. 

Later sold to XXXX XXXX, XXXX, as reflected in the tradeline. 

Despite the sale, XXXX XXXX is continuing to report derogatory payment historyincluding 30, 60, 90-day late payments, and charge-offs after the sale occurred. This creates the misleading appearance that the debt is still owned and updated by XXXX, even though the legal ownership has transferred to another entity. 

This dual reporting of the same debt both by XXXX and the debt purchaser ( XXXX XXXX, XXXX ) may constitute duplicate reporting, which is misleading to lenders and causes unfair credit score damage. Under FCRA, all information furnished to credit bureaus must be accurate, complete, and not misleading. Once an account is sold, the original creditor should no longer report delinquencies or updates unless clearly marked as " transferred/sold, closed. '' My dispute was processed in XX/XX/XXXX, but the outcome failed to resolve the misleading nature of the tradeline. It still reflects late payments and charge-offs after the account was no longer owned by 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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management [ Local Office : XXXX, MI XXXX ] Phone : ( XXXXXXXX XXXX XXXX Subject : Cease and Desist Communication Notice Pursuant to the FDCPA To Whom It May Concern : I am writing to formally demand that Midland Credit Management immediately cease and desist all communication with me regarding any alleged debt you claim I owe. This includes, but is not limited to, phone calls, emails, or any other form of contact.

Your ongoing efforts to contact me via phone and email are unwanted and intrusive, and I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which gives me the legal authority to request that a debt collector stop communication.

Effective immediately, you are to cease all attempts to contact me. The only exceptions permitted by law are : 1. A single communication to confirm you will cease further contact. 
2. A notification of specific legal action being taken.

If you continue contacting me after receiving this letter, I will consider it a violation of federal law and will not hesitate to report your conduct to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state.

This letter is written without admission of liability and does not acknowledge or validate any alleged debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
In XXXX someone stole my identity, probably my SSN and took out loans in my name. Since then there are still two items in collections - one from XXXX XXXX XXXX XXXX for XXXX XXXX for {$530.00} and one from National Credit Systems for XXXX XXXX XXXX for {$9500.00}. I never took at these loans nor have I ever had accounts with these companies or agencies.These fraudulent activities took place in the first quarter of XXXX. It did take me a while to notice these charges but I am glad I am taking action now - better late than never. Today, XX/XX/XXXX I have contacted both XXXX XXXX XXXX  ( and XXXX ), and NCS respectively notifying of them of this fraudulent activity to get it scrubbed. I have submitted affidavits to them and supporting documentation and they will begin investigation. There is an additional fraudulent charge in the form of a personal loan from XXXX XXXX XXXX for {$4000.00} that I did not initiate and am in the process of writing them a letter because of their relatively shady website does not offer a phone number or online portal. On top of that, I have also called all 3 credit agencies, XXXX XXXX XXXX XXXX  filing a dispute so they also have tabs with these collection agencies and loan givers. So I have now covered the collections themselves as well as the credit agencies. My final step here is contacting the government ( FTC which let me to CFPB ) to make sure all necessary parties are involved. 

Thanks you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs XX/XX/XXXX lawsuit against { CREDIT BUREAU } * * I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. * * And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of 2003 - Metro 2 Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling. 
Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations XXXX XXXXXXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), Metro 2 violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, Metro 2 violations ( codes XX/XX/XXXX ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } Lawsuit Reference This is not isolated. The CFPB filed suit against XXXX CREDIT BUREAU NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case

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 2025-08-06 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: TX

Complaint narrative:
XXXX'Dear CFPBXXXXI hope this message finds you well. XXXXI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.XXXXAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in questionXXXXIn light of these regulations, I must highlight that 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  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer informationXXXXI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forwardXXXXThank you for your attention to this matter. I look forward to your prompt response.XXXXSincerelyXXXX 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 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synovys/ 1st progress CC- {$1000.00} Acct # XXXX I closed my account but seen a duplicate account when I only have 1. What happened was I reported my card stolen and they created a whole new account. 
They refused to remove the duplicate that shows an over limit balance. Told me I had to dispute with every bureau to get removed. Even though know its duplicated mistake on their side and the account is not active and showing in good standing. This company makes promises of going from a secured card to unsecured but later when you ask they tell you that that card always stays secured. 
I closed my account in good standing and received my refund but the still would not remove the duplicate. They expect you to correct their mistakes for them!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had previously filed a complaint and requested an answer as to why my personal check from Chase was not transferred to another bank in which I had a Trust set up. 
Their response was they could not recognize my signature and " We were not able to inform you about the status of the check because you have not provided consent to receive alerts. '' Being in my upper XXXX 's and not being sure as to how I would be able to check whether their explanation was correct as to whether I could accept alert, I went to my local bank and shared all of the above with the bank manager. 
She asked I open my Chase account on my phone. She guided me to the area which would show if my account was set to receive alerts. 
The box was checked and she agreed that I should have received an alert from Chase. 

I find it very upsetting that Chase never attempted to send me a message or even check my account to see if I could receive alerts and when I inquired about it they told me something that was NOT true. 
I am most interested as to how they can explain this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: OH

Complaint narrative:
Square is holding {$1200.00} of my money from legitimate business transactions without valid reason. 

What happened : I operate a XXXX XXXX XXXX XXXX under the name XXXX XXXX. On XX/XX/year>, Square placed a hold on {$1200.00} that I earned from completed services. I have provided full documentation to Square, including invoices, tax records, and customer communications confirming the work was completed.

Despite this, Square has denied my account and stated the funds will be held for 90 days. I called customer support and emailed multiple times, but they have given me no clear explanation or resolution. This is not acceptable for a small business owner I have customers confirmation and receipts, and I am entitled to these funds. 

What I want : I am requesting the immediate release of my {$1200.00} to my linked bank account. I no longer wish to use Square for future transactions, but I should not have to wait 90 days to access money I have legitimately earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: VA

Complaint narrative:
I bought my car in XXXX from XXXX XXXX XXXX. I put {$1400.00} down and my oayments were supposed to be under {$400.00} well it was not because they made me opt in to gap coverage and it put my monthly payments over {$500.00}. I was told to ask America Credit Acceptance to lower the payments. I asked them to and they told me no. I went on and then when I knew that I was going to be behind so I called and talked to a representative about options. She told me that I would have to be already late in order for them to give me the option to put my missed payment to the back of the loan. Well they lied. A second rep told me no it cant be done. So now I have late fees added. But my car was already taken repossession. I asked for more time as i was waiting for XXXX XXXX XXXXXXXX to be paid to me instead they kept telling me they only had untill such and such time and that wasnt enough time. Well they send a letter about private auction back in XXXX and then said on Ill give more time, and then sold the car as of a XX/XX/XXXX from what I was told today. They never emailed me back despite the numerous times I emailed them. So now I have no car and XXXX  debt that I shouldnt even have on my credit report because they reported it immediately. Even though they said they wouldnt because they were working with me. Unfortunately from what I have read that pick people to do this to knowing that the cost are outrageous but people are desperate to get a car. Now I am out of a car, no matter how much I tried to stay in contact. And keep in the loop of my medical issues. They didnt care. The car was around $ XXXX they sold it in a PRIVATE AUCTION ON XX/XX/2025 for $ XXXX and to top it off they never sent me a letter saying WHERE they private auction would be either. They know what they are doing and its messed up. Now they want $ XXXX from me and messed me credit up. I do not agree with anything they did to me, and the account needs to be removed as well! Theh shouldnt do this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
These inquiries are not known to me and may have been made without my knowledge. Please address this matter urgently and refer to the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Late payment entries appear on my report that I believe are inaccurate Under 15 USC 1681e ( b ) and 15 USC 1681i my report is required to contain only information that is accurate complete and verifiable I am requesting that these late payment entries be verified and if they can not be confirmed they should be corrected or removed

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Halsted Financial Services, LLC.
State: TN

Complaint narrative:
I have accounts on my credit that have been charged off and I never received a 1099c showing me the proof that it has been. And Im about to get ready and sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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