vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I had over XXXX $ in charges in which I disputed as I did not receive the services. The dispute was denied a few days later without any documentation. I appealed it and it got denied the same day. This money was STOLEN from me and XXXX  has done nothing and sided with the merchant without providing any valid reasoning or documentation. Their reasoning for the initial denial was that it was consistent with my payment history. As I was charged multiple times for the same transaction and as well I DID NOT receive the services and I was locked out of my account with all my funds in it. I will be filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 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 explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello, I applied on-line for a Home Depot Citi XXXX ( which I had prior to Citi for years ). I lifted the 3 credit agencies credit freezes and the fraud alert so Citi could do a check. They only use XXXX. I was denied. XXXX XXXX XXXX XXXX XXXX XXXX  Citi processor ; XXXX XXXX XXXX XXXX XXXX XXXX for reason of denial. ( Not sure I will be able to upload Documents yet to ur system ) I reviewed all credit reporting agencies statement and there is NO DEROGATORY REASON FOR DENAIL. 
I called the number in XXXX XXXX XXXX  and got the response I would be getting a rationale letter. Still have received ZERO feedback from Citi Credit. 
Dear XXXX XXXX ( Home Depot Corporate Customer Relations ), I applied for a Citi Home Depot Card this year in order to purchase a {$3500.00} roto tiller and was denied credit. I called the number on the email sent to me. I pulled all 3 agency statements and it appears Citi only uses XXXX  ( the worst of all 3 ). 
I also carry a freezer on my accounts and for the last few years also a fraud alert. I had lifted all of these prior to requesting credit, for the sole purpose to buying from Home Depot. NO OTHER CREDITOR HAS EVER DENIED ME. I XXXX  score is normally above XXXX. It is a little lower now as I obtained a mortgage end of last year and paid in full as soon as I could move in the house beginning of this year. Also, purchased a new XXXX last month finish payoff {$37000.00}. Paid off my Home Mortgage this year of {$140000.00}. Only debt is monthly credit card useage which is paid as posted....

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 2025-08-10 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: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX  {$4000.00} Account Name : DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: HI

Complaint narrative:
This is a follow up complaint pertain to the last complaint. To gain an understanding of the background of this organization 's inconsistent tactics, please use reference number XXXX and complaint number XXXX. In XX/XX/year>, I made the initial money order for forbearance with the serial number # XXXX and it was issued for XXXX dollars on XX/XX/year>. 

I reached out to Mohela and spoke with XXXX and XXXX about a new forbearance that I had requested through a {$100.00} money order at the start of first week of XXXX. She appears unaware of my forbearing and insists that I am late with the loans and must update them. Every time I call, there is continuous inconsistency. It appears that their previous notes are not readily available to clarify the last time I called and provide information that can document the outcome of the call. I asked for a manager 's assistance because the conversation was not productive. 
The manager completely rejected my forbearing and offered me a 3-payment plan for repayment, but I couldn't afford to make these payments as I am not working. She simply stated that " I can't assist you in the future ' and that you are no longer eligible for forbearance on your loans. Conversely, I was told I had forbearance which is why I sent a Money XXXX in XXXX to implement a for bearing which she she said I was giving the wrong information. Your loans will be credited with the {$100.00} money order, and it will not be used for any other purpose. I was deeply upset and shocked by the fact that a manager could represent an organization and contradict what a previous representative had instructed me to do, such as sending the money for the next forbearing in XXXX. 

They take no accountability. Furthermore she said I was reported to credit bureau for late payment which was very unfair because I was on a forbearing statues since XXXX. I am at a loss as to what course of action to take in light of this dishonest and unethical situation. I am anticipating a job opportunity soon to address this issue. I'm in complete confusion and have no idea what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am requesting documents and information under the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605, related to the mortgage loan on [ property address ]. Specifically, I am seeking copies of all signed loan applications, closing documents, and any riders or endorsements for life insurance or death-benefit provisions tied to the loan. 
Although I may not be listed on the deed, I believe I may be an insured party or otherwise financially affected by products attached to this mortgage. The servicer has refused to provide copies of these documents despite my request, and I am seeking assistance to obtain them.

I am looking for : Full copy of the original mortgage/loan application All closing disclosures & settlement statements All riders, amendments, or insurance policies attached to the loan Any correspondence or account notes regarding beneficiary designations or life insurance add-ons. 
I am requesting that CFPB ensure the servicer provides me with all relevant records and clarifies whether any mortgage life insurance or death-benefit coverage exists listing me as an insured person or beneficiary.I am requesting complete copies of the original loan application, closing documents, and any add-on products or insurance policies ( including life insurance ) that may have been opened or linked to my mortgage without my knowledge or consent. I have reason to believe my personal information was used in connection with a mortgage or loan, but I have been unable to obtain these records from the servicer despite multiple inquiries. I am concerned that I may have been added to financial obligations or insurance products without full disclosure. I am requesting that the servicer provide all account records, applications, and policy enrollment forms to verify the accuracy of the information and ensure compliance with RESPA and related consumer protection laws

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 2025-08-10 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: TN

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. 1681 accuracy and fairness of credit reporting. Also, in XXXXXXXX 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 2025-08-10 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:
MY DAY WAS VERY LONG AND TIRING, I HAVE BEEN ON CALLS AND TRANSFERS WITH BANKS TRYING TO FIGURE OUT THIS SITUATION. SO WHAT HAPPENED IS MY INFORMATION HAS APPEARED IN A BIG DATA LEAK AND NOW THERE ARE INQUIRES ON MY PROFILE AND MY PERSONAL INFORMATION IS GETTING VERY CONCERNING. I FEEL THAT YOU ARE GOING TO HELP ME I WILL ALSO TELL YOU THE COMPANY NAME AND DATE OF THE INQUIRY FOR YOU TO HAVE UNDERSTANDING ON THIS SITUATION, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ON XXXX. SO I HOPE YOU CAN FIX THIS AND I WILL TRY TO OF COURSE KEEP MYSELF MORE PROTECTED FOR THIS NOT TO HAPPEN AGAIN THANKS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: IL

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 non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM XXXX XXXX, I JUST TURNED XXXX XXXX XXXX TODAY AND THE BEST PRESENT I REIEVED ARE THESE FRAUDULENT INQUIRES THAT APPEARED UNDER MY NAME TODAY, MY FRIEND THAT CAME TO MY BIRTHDAY SHOWED ME HOW TO PROPERLY VIEW MY REPORT AND WHEN I DID I GOT SHOCKD. HERE ARE THE INQUIRES THAT I SAW AND DID NOT RECOGNISE, THEY WERE DONE BY A THEIF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I THINK THAT I AM DOING A RIGHT THING REPORTING XXXX TODAY AND I HOPE THIS GETS SOLVED AND DIDNT GO TOO FAR, I ALSO CALLED SPECIAL DEPARTMENTS OF THESE INSTITUTIONS AND TALKED TO THEM ABOUT THIS THEY UNDERSTOOD ME. I WILL HOPE FOR THE BEST. YOU HAVE TO GIVE ME THE BEST PRESENT FOR MY BIRTHDAY, MAKING ME FRAUD FREE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I opened an account with XXXX  and they advertise on the app that you can get direct deposit so i i decided to go with it and i got my direct deposit on Tuesday the XXXX of XXXX of around XXXX dollars and by Thursday they had froze my account claiming to be suspicious activity then i spoke with customer service on friday and they said it was because my XXXX XXXX  account that i had linked has something wrong with it which i know it doesnt because i had to used the account and debit card the same day with zero issues. I even called XXXX XXXX to verify and they said there is no issues with your XXXX XXXX  account and i had the agent put that in my notes just in case i needed to verify. I have around XXXX dollars in the account and i have a family to feed to not let people access their money that was directly deposited by a licensed corporation ( i work for XXXX, is just absolutely wrong. And so i started researching and im hearing all these people had the same thing happen to them. I dont owe them any money or anything just signed up a couple months ago. So now im not sure what to do because they are not returning my emails either and i need access to my funds. I didnt do anything wrong. They advertise they provide these services and then flag them as suspicious when you use them. I just want my money out of the account and move on if you could help or guide me somehow id greatly appreciate it thank you, XXXX XXXX. To top it all off when youre restricted you can even veiw your account and routing number so theres definitely some corruption going on there and they dont even show your activity in the statements they only show half the transactions so you cant really track your spending, my guess is because they are stealing money without people noticing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Second Alliance, Inc.
State: IN

Complaint narrative:
I received a debt collection notice on XX/XX/year>XXXX  from a Second Alliance. A debt owed to XXXXXXXX XXXX XXXX XXXX  I emailed second alliance and told them that I have never heard of or applied to XXXX. That, I was victim of identity theft and to take care of the situation. I Never heard back from them over this matter and now it is on my credit report as Delinquent. I am Very upset over this..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-10 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: TN

Complaint narrative:
XXXX XXXX- I was never late on this account, please remove late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: TN

Complaint narrative:
XXXX XXXX- I was never late on this account, please remove late payment history.

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 2025-08-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: GA

Complaint narrative:
I used Klarna to finance a {$310.00} purchase from XXXX XXXX XXXX. The product I received XXXX XXXX XXXX XXXX  ) arrived with a strong processed/chemical odor that persisted after washing and conditioning. It gave me a headache and made me nauseous, making the product defective and unusable. 

I contacted the merchant within the 14-day return window noted in my order confirmation email. They refused a refund, citing a 7-day window not mentioned in that email. I filed a claim with Klarna citing significant deviation under their Buyer Protection Policy. Klarna sided with the merchant, citing their policy, and refused to escalate or properly review my case. My dispute was closed three times and payments resumed. 

I'd also like to point out, that since filing my initial claim, I discovered that the merchant advertises the XXXX  as 100 % raw XXXX hair on their website, yet admits it goes through a 10-step filtration and texturizing process. Raw XXXX hair means untouched and unprocessed, so this is another significant deviation from the advertised product and false advertising. 

Federal consumer protection laws make clear that no refund policies dont apply when a product is defective, unusable, or misrepresented. I submitted evidence of other public complaints about the same odor, showing the merchant knew of this issue but failed to disclose it. That omission is deceptive and prevented me from making an informed purchase. Had I known about the smell, I wouldn't have purchased it. 

The odor isnt a matter of preference but a legitimate safety concern, raising questions about harmful chemicals. By enforcing the merchants no refunds policy over consumer protection laws and not taking my safety into consideration, Klarna is requiring me to pay for a defective and misrepresented product I cant and wont use.

Im requesting that Klarna cancel the remaining balance on this purchase and issue a full refund please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/year>, I discovered that my credit score dropped suddenly from approximately XXXX. Upon checking my credit report, I found that all my active accounts were removed without any explanation. These accounts include multiple credit cards and loans that I have been actively using for over a year. 

I immediately contacted Equifax to dispute this error and requested a full investigation and correction of my credit report. I also sent a formal letter to them. However, despite my efforts, the problem remains unresolved. 

This unexpected removal of my credit history has severely impacted my financial standing and creditworthiness. I am seeking assistance in correcting my credit report to reflect the accurate and complete information.

Company response to consumer: Closed with non-monetary relief