vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: GA

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. 

XXXX  # XXXX XX/XX/year> -- {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XXXX XXXX XXXX, I purchased items from XXXX XXXX totaling {$2100.00} ( two transactions : {$2000.00} + {$39.00} ) using my XXXX Bank debit card through PayPal.

The order was canceled, but the refund did not initially post to my account. I therefore filed a dispute with XXXX Bank, and XXXX credited my account. 

Later, on XXXX XXXX XXXX, a second credit appeared in my account : * Reversal : PayPal XXXX XXXX XXXX GA Claim ID : XXXX, in the amount of {$2100.00}. 

Subsequently, on XXXX XXXX XXXX a Claim Reversal was processed, and the bank took back the second refund it had credited to me : Claim Reversal : PayPal XXXX XXXX XXXX GA Claim ID : XXXX. 

This meant XXXX took back the {$2100.00} from me and sent it to PayPal. In other words, I repaid the funds and did not keep them. 

XXXX also confirmed in writing that on XX/XX/year>, the refund was sent to PayPal. The reference number is XXXX. 

Furthermore, although all transactions were made with my XXXX debit card, PayPal chose to hold me responsible and place my account into a negative balance instead of properly resolving this issue directly with XXXX. In reality, this is a matter between PayPal and XXXX, as they are the parties handling the transfer of funds and I am already paying service fees for these transactions. Instead of resolving it with XXXX, PayPal took the easier route and penalized me unfairly, without even properly listening to my case. 

Despite all of this, PayPal placed my account into a negative balance and continues to claim that they never received the funds. I have provided XXXX official documentation to PayPal, yet the matter remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I received a text identifying as wells fargo asking me to deny or approve a charge. I denied it. Then I received a text saying that someone from wells fargo would call me. Someone did. I did not know they were a scammer. During this transaction, I was told that an unknown person had compromised my online account and had access to my personal and business accounts. I was asked to change the online information and I did. I was then told that I had to surrender the cards to make sure they were in my possession and a secure courier would come and pick them up. Although I thought this strange, I complied. I was on the phone with this " Wells Fargo '' rep for an hour and 10 minutes while all of this took place. It just sounded so real. The girl on the phone was very good and convincing. In addition, both my personal credit card and business card were used but denied when I received texts asking me to approve. The " wells fargo rep '' called me back and said they wanted to secure my atm card with a new PIN. I gave her the old PIN number as she requested and was told that I would receive my new cards in the mail. Moments later I received an alert from XXXX that my bank account had fallen below {$600.00} as I had predetermined. I only had {$670.00} in the account. That's when I called Wells Fargo on their recorded line and reported everything. Since it was a Sunday they took the info and asked me to contact their fraud dept in the morning when they opened. I did. The report was given. My claim number was issued. I am now being denied the recovery because the scammers had my PIN number. We are supposed to be protected from scammers. These transactions WERE NOT AUTHORIZED which is the determining factor for reimbursement but Wells Fargo is denying my reimbursement. My accounts have always been in good standing, and I have never had issues like this before. I would like this investigated and escalated. The determination is unfair. I have filed a police report as well as an FTC 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 monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XXXX XXXX I noticed a fraudulent transaction from XXXX for {$300.00} that I never authorized. I called to file a claim but was never given a claim number. I called to make sure my claim was reported fraud and not one representative can answer those two questions for me. I just want to make sure I get my money back and Wells Fargo investigate my claims correctly. They did nothing last time denied me and had a representative tell me I am on a bad customer list. I have XXXX plus sometimes going in my accounts monthly. This is very frustrating to deal with.

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 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-08-19 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: TX

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. 

XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$3900.00}

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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service International Corp
State: FL

Complaint narrative:
I am filing this complaint against Credit Service International Corp ( CSIC ) regarding a debt I do not owe and have never agreed to. I have never signed a contract with CSIC or any of its affiliates. Despite multiple disputes with all three major credit bureaus, this unverified debt continues to be reported and validated. In XX/XX/year>, I sent CSIC a formal request for debt validation, but they failed to respond. I also attempted to file a complaint with the XXXX XXXX XXXX, but due to a system error, I had to resubmit it. When I did, the XXXX  agent informed me that the complaint could not be processed because it had already been filedyet no resolution was ever provided. CSIC has failed to comply with 15 U.S. Code 1692g by not validating the debt, and their continued reporting is unjust and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Requested to DELETE the bankruptcy being report due to 15 USC 1681i- INACCURATE reporting on credit report.

1 ) Bankruptcy Courts DO NOT REPORT to the CREDIT BUREAUS ( letter from bankruptcy court attached ) 2 ) INCORRECT COURT/COURT NAME 3 ) WRONG FILE DATE LISTED ON REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: KY

Complaint narrative:
I am filing this complaint because I am the victim of identity theft. Unauthorized accounts have been fraudulently opened in my name without my knowledge, permission, or consent. These accounts are being falsely reported on my consumer credit file and are causing me significant financial harm.

I have never applied for, used, or authorized these accounts. They are the result of criminal identity theft. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I have the right to have all information resulting from identity theft blocked from my credit reports. Despite notifying the credit reporting agencies and disputing the accounts, they have continued to allow this fraudulent information to remain. 

The following accounts are the result of identity theft and must be immediately removed and blocked from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The continued reporting of these fraudulent accounts is a violation of my consumer rights under federal law. I am requesting that the CFPB compel the credit bureaus and the furnishers of this information to : Block and remove all identity theft-related accounts from my credit reports, as required under FCRA 1681c-2. 

Cease and desist from further reporting of these fraudulent accounts. 

Provide written confirmation that these accounts have been permanently deleted. 

As a victim of identity theft, I should not be forced to suffer ongoing financial and reputational harm for crimes I did not commit. I am requesting the CFPBs immediate intervention to enforce compliance with federal law. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am filing this complaint because I am the victim of identity theft. Unauthorized accounts have been fraudulently opened in my name without my knowledge, permission, or consent. These accounts are being falsely reported on my consumer credit file and are causing me significant financial harm.

I have never applied for, used, or authorized these accounts. They are the result of criminal identity theft. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I have the right to have all information resulting from identity theft blocked from my credit reports. Despite notifying the credit reporting agencies and disputing the accounts, they have continued to allow this fraudulent information to remain. 

The following accounts are the result of identity theft and must be immediately removed and blocked from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The continued reporting of these fraudulent accounts is a violation of my consumer rights under federal law. I am requesting that the CFPB compel the credit bureaus and the furnishers of this information to : Block and remove all identity theft-related accounts from my credit reports, as required under FCRA 1681c-2. 

Cease and desist from further reporting of these fraudulent accounts. 

Provide written confirmation that these accounts have been permanently deleted. 

As a victim of identity theft, I should not be forced to suffer ongoing financial and reputational harm for crimes I did not commit. I am requesting the CFPBs immediate intervention to enforce compliance with federal law. 

Respectfully, 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 2025-08-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: AXIA FINANCIAL, LLC
State: ID

Complaint narrative:
I am a veteran who sold my home in XX/XX/XXXX using a VA loan assumption. The full VA loan assumption package, including VA Form 26-6381 ( Substitution of Entitlement ), was executed by both parties and should have been submitted promptly to the Department of Veterans Affairs ( VA ) so my VA entitlement could be released. XXXX XXXX  XXXX XXXX was the servicer at the start of the assumption process and began handling the transaction. However, in the middle of the assumption, axia financial sold the loan to XXXX XXXX  XXXX. Despite no longer servicing the loan, Axia has retained some of the required assumption documents and has failed to upload them to the VA via XXXX or provide them to XXXX to complete the process. The VA has confirmed that they have only received partial documentation for my assumption, preventing the release of my entitlement. XXXX has confirmed in writing that they took over the assumption process after acquiring the loan, but they have informed me that Axia still possesses some of the required documents. Axias refusal to transfer or upload these documents has directly delayed the VAs processing of my entitlement release for over a year. This delay is now jeopardizing my ability to close on a new home purchase scheduled for XX/XX/XXXX, causing significant financial and personal harm. Under VA servicing requirements ( VA Pamphlet 26-7, Chapter 5 ), the lender or servicer responsible for the assumption must promptly submit the complete package to the VA. Selling the loan mid-process does not remove the obligation to ensure the VA receives the documents.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-19 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: NY

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-08-19 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: DC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Throughout XX/XX/year> there were a multitude of fraudulent charges on my checking account ( through my debit card ) that were failed to be flagged. I live in XXXX XXXX, Georgia and these transactions were in Maryland, New York, New Jersey, Florida, etc and their " fraud protection '' failed to stop or catch any of them. The reasoning is because at one time i had made a purchase with XXXX.... for {$10.00} ... so that makes it a trend and makes up for not catching {$1000.00} purchases. They also actually caught a charge that was trying to be made after the initial and denied it, but never notified me AND never shut the locked the card / account.

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 2025-08-19 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: TX

Complaint narrative:
On XX/XX/year>, I disputed the accuracy of the account ( s ) associated with a reported 1099-C ( Cancellation of Debt ) that appears on my credit file, XXXX. Your response indicated that the information was verified.

Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ), I am requesting the method of verification used in your investigation. Specifically : 1. The name, address, and telephone number of each creditor, furnisher, or source you contacted regarding the 1099-C ; 2. A description of the procedures used to verify the accuracy of this reporting ; 3. Copies of all records, communications, or documents provided by the furnisher, including any copy of the actual 1099-C form used to substantiate the debt.

If you are unable to provide this information, then the reporting of this alleged 1099-C can not be verified and must be deleted from my credit file under the Fair Credit Reporting Act.

Please respond within the time allowed by law.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: FL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
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 2025-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the inclusion of a fraudulent account on my credit file. I want to state clearly that this account does not belong to me. I have never authorized, opened, or managed such an account. Its reporting is inaccurate and is causing unjust harm to my credit profile.

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