vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/scrub> 2025, I submitted a complaint to PayPal regarding a {$500.00} USD payment I had just made under false pretenses, after realizing I was the target of a scam. I recognized the fraud within hours and contacted PayPal before the transaction was settled, asking for it to be canceled or frozen. 

I provided PayPal with the email addresses of the recipients involved in the scam, explained the context, and warned them that the payment was part of a fraudulent scheme. At the time of the report, the transaction was still pending settlement, with several business days of lead time before processing would be finalized. 

Despite this, PayPal failed to take appropriate action. Their fraud response was dismissive and generic, offering no indication that my warning was taken seriously. They closed the case without investigating the recipient account or acting to prevent the funds from being disbursed. The transaction was ultimately processed using a secondary linked card, after my primary bank had declined it.

In my view, PayPals failure to act on timedespite receiving clear, early notification and specific recipient detailsrepresents gross negligence in fraud prevention and consumer protection. Their dispute resolution process lacked urgency, sensitivity to fraud markers, and adequate support access. 

The email addresses I flagged in the original report include : XXXX XXXX I respectfully request that the Consumer Financial Protection Bureau investigate PayPals handling of this case, assess whether their fraud response procedures meet required consumer protection standards, and ensure corrective action is taken. I also request recovery of the {$500.00} USD that could have been prevented with timely intervention. 

I am available to provide supporting documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: PA

Complaint narrative:
Subject : Formal Dispute Request for Deletion of Inaccurate and Unverifiable Account ( XXXX XXXX XXXX XXXX Acct # XXXX ) To Whom It May Concern, I am writing to formally dispute the reporting of the following account on my TransUnion credit file under the Fair Credit Reporting Act ( FCRA ). The account in question is listed as follows : - Creditor : XXXX XXXX XXXX XXXX - Account Number ( Partial ) XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Reported Balance : {$6400.00} - Status : Charged Off / Closed by Grantor Upon reviewing the investigation results and my credit report, I have identified * * numerous violations and inaccuracies * * in the way this account has been reported, which include but are not limited to : 1. * * Inconsistent and Inaccurate Payment History * * The account displays OK ratings through XXXX, with abrupt and unexplained jumps to major delinquencies in XXXX, which is illogical and misleading. This contradicts FCRA 607 ( b ), requiring credit reporting agencies to ensure maximum possible accuracy.

2. * * Continued Updating of a Charged-Off Account * * Updating a charged-off and closed account beyond the charge-off date is misleading and deceptive under FCRA 602 ( a ) and constitutes potential re-aging of debt, violating FCRA 605 ( c ).

3. * * Lack of Proper Verification * * This item was previously disputed and no proper documentation was provided to substantiate the debt per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). If XXXX can not obtain complete and verifiable documentation from XXXX XXXX proving the accuracy and ownership of the account, it * * must be deleted immediately * *. 

4. * * Misleading Remarks and Reporting * * The Closed by Credit Grantor remark along with a high balance and continued past-due status violates FCRA 605 ( b ), as it misrepresents the true nature and status of the account.

I demand that this account be * * immediately deleted * * from my XXXX credit report due to the violations listed above and the failure to meet the standards for accuracy and verification required by federal law. If this account is not removed, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Pennsylvania Attorney Generals office. 

Please complete this investigation within the legally required 30-day timeframe and provide me with a written response confirming the results. You may send all correspondence to the address listed above. 

Sincerely, * * XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: DC

Complaint narrative:
There are fraudulent collections on my credit report from XXXX XXXX XXXX. However, I do not have any rental collections on my credit. This is not my debt. I am a victim of identity theft and have an Identity Theft Report and police report I can provide to support this. I disputed these fraudulent collections with the credit bureaus. Please see attached the documents. I request to remove these collections from my credit report.

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 2025-05-18 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: DC

Complaint narrative:
There are fraudulent collections on my credit report from XXXX XXXX XXXX. However, I do not have any rental collections on my credit. This is not my debt. I am a victim of identity theft and have an Identity Theft Report and police report I can provide to support this. I disputed these fraudulent collections with the credit bureaus. Please see attached the documents. I request to remove these collections from my credit report.

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 2025-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
For about a year, my bank has been taking different amounts of money from my account. At first, it was small, like {$1.00} a day, but then it went up to {$200.00} a day. I've talked to both Wells Fargo and XXXX many times, spending hours on the phone, but they keep blaming each other. They often hang up on me, saying the line cut off, and I have to explain everything all over again to different people. I've been waiting almost a year for my money back, about {$3000.00} or {$4000.00}, and I need it back right away! " I did not buy from XXXX and I did not give any payment authorization

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 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX. XX/XX/year> SOURCE RECEIVABLES MNG Subject : Cease and Desist - Credit Reporting Issue Dear sunrise I am writing to formally request that you cease and desist from reporting inaccurate information regarding my credit account with with accounts number there is no account number listed with SOURCE RECEIVABLES MNG Being the creditor. I have no knowledge of this account. There is not account number listed I dont even know what the debt is from? .I believe that the information you have reported is incorrect, and it is damaging my creditworthiness. Specifically, the inaccuracies include not being able provide What the money you say I owe is for. 2. A detailed explanation of how you calculated what you say I owe. 3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable. 5. The identity, name, and address of the original creditor. 6. Proof that the Statute of Limitations has not expired on this account. 7. Proof that you are licensed to collect in my state. 8. Your license numbers and Registered Agent or Agent of Service. Under the Fair Credit Reporting Act, I have the right to dispute inaccuracies in my credit report. I request that you investigate this matter and correct the information. I never owned a sprint account. Please provide written confirmation of your findings within 30 days. Failure to comply with this request may result in further action to protect my rights. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: MN

Complaint narrative:
Accounts I have paid to have removed are still showing on credit report. I was told once I paid account it would be removed. The account was only moved from XXXX area of credit report. XXXX accounts aware still being reported as revolving accounts as well through Experian.

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 2025-05-18 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: GA

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 prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX {$4800.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX XXXX XXXX XXXX Account number XXXX {$140.00} Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX, XXXX XXXX XXXX Account number XXXX {$8500.00} Date opened XX/XX/XXXX TransUnion XXXX XXXX Account number XXXX {$140.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX {$770.00} Date opened XX/XX/XXXX XXXX XXXX Account number XXXX {$140.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX {$440.00} Date opened XX/XX/XXXX XXXX, XXXX XXXX XXXX Account number XXXX {$8500.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX {$770.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX {$570.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account number XXXX {$4800.00} Date opened XXXX XXXX, XXXX Or XX/XX/XXXXXXXX XXXX XXXX XXXX Account number XXXX {$140.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX {$8400.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX {$770.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXXXXXX 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 2025-05-18 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:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/year> -- {$0.00}

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 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood restricted my account and provided no reasoning for it and will not allow me to withdraw my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX2021 with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a data breach and a XXXX XXXX  business phone hack compromise from my title agent showing XXXXXXXX XXXX XXXX  theft and compromise of my account and XXXX data breach with XXXX XXXX. This is a reversed mortgage linked bank account hack with investor. The account is showing a title lien of tax fraud from the correction officer. I have a telecheck reference ID error, also on a reversed mortgage statement of my account. With a provider showing XXXX XXXX hacked the account with my credentials not being restored. I also see the account was restricted in a title XXXX compromised of a affidavit appeal. From a XXXX market fine from the IRS that was mailed in with proof of identity theft forgery. I want to send my ID restoration with the police report on my email as a hacker report from a data breach scam. I have a communication error with the account officer is not sending in the arbitration form with my Statement from the officer. The operation has escalated to the claims board and showed a budget deficit of compensation funds with my account supervisor. The administration has a dispute involving the claim was corrected. Meaning to the account, as far from the hack reinstatement including charges, but the arbitration letter notification for a class action XXXX  XXXX data breach is showing XXXX. It has been escalated to a fidicuary citation review with the documents showing the account with XXXX  misguided instructions with a hacked bank account and forged over the funds without improvising the arbitration demand. I see was filed with a police report from XXXX XXXX XXXX employee. I have a chief council board member charged for indictment of the civil penalty refrained from the tax kien and he error was not on the reversed nor beneficiary of the account with Equifax. The card was cancelled out and the hacker gained access to our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> -- {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
My account has been restricted at COINBASE for over XXXX years, and despite contacting them on numerous occasions over extended periods of time, they haven't resolved the issue. 
They always say they're looking into it, but they don't resolve anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had an authorized user on my Business Checking account for payroll purposes.On or about XXXX XXXX 2025 I went to the XXXX XXXX XXXX XXXX Chase Bank to start the process of removing her from the account, I successfully removed her from the Business Checking Account and was told by XXXX XXXX XXXX Services to change the password on my account so she couldn't access it and to maintain security on the account.In XX/XX/year> I went back up to the XXXX XXXX Chase Branch and met with private client services and explained she was somehow accessing my account and they didn't understand how and couldn't tell me how to secure y account .On XX/XX/XXXX I called XXXX XXXX and explained the situation and they said I needed to change my password on my account, and it would be secure, On XX/XX/XXXX at around XXXX pm I got a text from this individual that they had just stolen XXXX dollars out of my account. I contacted she immediately and told them what was going on and asked them if they could stop the transaction until I could get to the Branch .. they told me they could not stop an Electronic Funds Transfer.I submitted a claim over the phone and had them freeze my accounts until I could figure out what to do .On XXXX  XX/XX/XXXX I called XXXX to find out the status of my claim and was told it was still being investigated., On Tuesday XX/XX/XXXX I went in and closed the checking account but thought it best to leave the savings open so XXXX could reimburse me.On XXXX  Chase Bank informed me they were denying my claim but would not send me a copy of the investigation or explain in detail why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have a charge from XXXX. I have XXXX XXXX for insurance and have used them for over XXXX  years. I contacted XXXX and was told that I would be responsible for the balance on the account even though it was not me that took out the policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
According to 15 USC 1692 c, you have violated my rights by in lawful communications. Please remove this collections off my credit Report. Thank You.

Company response to consumer: Closed with non-monetary relief