vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: EdFinancial Services
State: NY

Complaint narrative:
In XXXXXXXX XXXX XXXX EDFinancial reported seven consecutive late payments ( over 90 days past due ) on my student loan account. I was never properly notified of the delinquency before these negative marks were added to my credit reports. I did not receive any physical mail or email notices, and phone calls from EDF were flagged as spam, preventing me from recognizing them as legitimate. 

As soon as I became aware of the delinquency, I immediately contacted EDF and made a {$1000.00} payment as a good-faith effort to bring the account current. This demonstrates that I was willing to pay, and that the issue arose from lack of notice rather than neglect. 

I disputed the late marks with the credit reporting agencies, but their investigation came back as verified, without EDF providing any proof that notice had been properly sent. I also requested validation from EDF, but no documentation was provided. 

The current reporting is inaccurate and misleading because EDF did not provide evidence of reasonable notification, yet the credit bureaus closed my dispute without requiring validation. Seven separate late marks were added at once, compounding the negative impact unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: TX

Complaint narrative:
THIS ACCOUNT IS NOT MINES, I HAVE NEVER HAD A UPLIFT ACCOUNT. THIS ACCOUNT IS DUE TO THE DATA BREACH OF MY PERSONAL INFORMATION BEING EXPOSED. I HAVE TRIED FOR 2 YEARS TO RECTIFY THIS SITUATION AND I HAVE YET TO SEE A resolution FOR THIS fraudulent ACCOUNT APPEARING ON MY CREDIT FILE WITH XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$590.00} written off. 
Status updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase is charging me XXXX for post-petition fee the was NEVER in bankruptcy and the mortgage in my name was NEVER in bankruptcy. What is this fee for? And why am I being charged this? I've tried since XX/XX/XXXX to get answer NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
On XX/XX/year>, I sent a written dispute letter to XXXXXXXX XXXX XXXX regarding several collection accounts. In my letter, I explained that XXXX is incorrectly associating these transactions with XXXX XXXX. 

All transactions are connected only to my checking account ending in XXXX XXXX XXXX XXXXXXXX, my email, and my physical address. XXXX XXXX has no involvement. Her name appears only because her address was mistakenly entered in the billing field. She has no ownership, liability, or responsibility for these accounts. 

Despite my written clarification, XXXX continues to direct responses to XXXX XXXX instead of correcting their records. I specifically requested : XXXX. Removal of XXXX XXXX name and address from all records. 
XXXX. Written confirmation that all references to her were deleted. 
XXXX. Verification that TeleCheck and other reporting agencies were updated. 

XXXX has not provided this information or corrected the records. This misrepresentation is inaccurate, misleading, and violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am requesting that CFPB direct XXXX to correct their records, remove XXXX XXXX XXXX, and confirm in writing that only my information is connected with these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-08-26 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: OK

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: FL

Complaint narrative:
I signed up for a new checking account under promotional terms. I have completed all requirements for the promotion, including activating the debit card and receiving direct deposits from my employer on XX/XX/25 and XX/XX/25 in excess of the required {$400.00} total. The company 's terms said that the bonus would be paid within XXXX days. It has been greater than XXXX days and the company has refused to provide the bonus.

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 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I contacted support of Zelle in XXXX on one occasion and another in XXXX where I accidentally sent the wrong person money and wasnt able to cancel the transaction nor was there a option at the time asking me if this is the correct person

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XX/XX/year>. I was traveling from XXXX to XXXX and my flight had a mechanical and I could not get on as I was standing by. I was traveling with a friend of mine so we decided we need to find another way of getting us to the XXXX so we went online and we found an airline called XXXX XXXX that was leaving in a couple of hours so I decided to try to purchase that and after many attempts by me and my coworker and another passenger that was sitting around us, it will not take the transaction and I never got any confirmation whatsoever. so I proceeded to purchase her tickets on tap XXXX XXXX and thats what we ended up going on to get home to my surprise once I get home there was a charge on my credit card for {$590.00} for XXXX tickets I contacted the airline. There is no response the email I sent them. They sent me back something like just automated nothing personal and Ive tried with Bank of America to return my charge and they said they did their own investigation and that airline says they did issue a ticket but I had no idea after trying so many times I could not get any confirmation itinerary. I even walked up to the gate agent and XXXX and they said no I didnt have a reservation or they couldnt help me with anything. I feel like a Bank of America owes me my money back since they never authorize the transaction and I never flew that airline..

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 2025-08-26 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 writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-26 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: GA

Complaint narrative:
Experian is reporting a XXXX XXXX University account that is unverified and inaccurate. 

I disputed this account with Experian on XX/XX/year>, and they marked it verified without providing documentation. I then sent a Method of Verification request ( FCRA 611 ) and received no valid proof of verification. 

I also sent a Debt Validation letter ( FDCPA 809 ) to the creditor/collector, who has failed to provide a contract, account statements, or proof that I owe this debt. 

Experian is continuing to report information that can not be substantiated, which is a violation of FCRA 611 and 623. The furnisher is also in violation of the FDCPA 809. 

I am requesting the immediate deletion of this account from my Experian credit file and that Experian notify all parties to whom it has furnished this inaccurate information.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: DISCOVER BANK
State: FL

Complaint narrative:
My credit report is reporting inaccurate reporting due to fraud. I've reached out to XXXX  about this matter and they refuse to remove this fraudulent account. I've sent in my police report, Ftc Report, Driver license and still with all these document and proof that this account is fraud and should be removed from my credit report but they Refuse. The account that is fraudulent is a credit card that was open with Discover Bank for the amount of {$9400.00}. This was not open by me and I want this to be removed from my credit report immediately. Every other credit bureau has seen my evidence and have either removed or block that discover account but XXXX  refuses. When I was one of the victim of their credit DATA BREACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I missed my XXXX payment because I pay it after I receive the statement. 

Seems like I must not have made the payment. I didn't get the next statement until XXXX weeks after the normal time. If I received it usually at the beginning of the XXXX month, I could have paid last month and this month on time but they didn't send out the new statement until the XXXX. 

I believe they are doing this to get fees. I will set up auto payments now but this seemed fishy.

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 2025-08-26 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:
These incorrect entries are to be removed from the record within XXXX  days as required by USC 1681g.

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 2025-08-26 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: CO

Complaint narrative:
I am filing this complaint against Equifax for failure to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). 

For more than XXXX years, I have disputed an account reported by XXXX XXXX XXXX ( Reference # : XXXX, originally XXXX XXXX XXXX XXXX, Account # : XXXX, Balance : {$620.00} ). Despite my repeated disputes, Equifax has not provided me with any meaningful proof that this account actually belongs to me. 

On multiple occasions, I have provided Equifax with copies of my government-issued identification, Social Security card , and a current utility bill to verify my identity and address. I have submitted these documents multiple times to ensure that Equifax had everything required to process my dispute. 

However, Equifax continues to send me the same form letter claiming that it can not locate a credit file with the identification information provided. Most recently, I received XXXX nearly identical letters from Equifax, XXXX dated XX/XX/year>, and another dated XX/XX/year>, both making the same statement despite the fact that I had already submitted all the documents they requested. 

This repeated response is not a reinvestigation. Instead, it is a stall tactic that violates the FCRA. Equifax is refusing to process my dispute in good faith, while continuing to report the XXXX XXXX account on my credit file. 

As a direct result of XXXX failure to properly investigate, my credit score has dropped, and I am continuing to suffer financial harm and reputational damage.

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 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I placed an order with XXXX XXXX through PayPal. Their website stated 13 days processing and XXXX  business days shipping. After realizing the items would not arrive in time, I contacted the seller a full week before shipping to cancel my order. They refused to cancel or refund me, in direct contradiction to their posted cancellation policy. 

The order was shipped late, and one of the items ( a dress ) was never shipped at all. Instead of refunding me, the seller forced me into store credit for the missing item. 

I provided PayPal with full documentation ( screenshots of the shipping policy, my cancellation request before shipping, the sellers refusal to cancel, proof of late shipment, and proof of the missing item ). Despite this, PayPal twice closed my case in favor of the seller. 

Why this is a problem : This is a clear violation of PayPals Buyer Protection program, which guarantees refunds for items not received and for orders not as described. PayPal has allowed the seller to keep funds for goods that were never shipped.

I have attached a XXXX  packet of all evidence including email correspondence and the sellers published shipping policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MA, XXXX XX/XX/year> LVNV Funding, LLC XXXX. XXXX XXXX XXXX, SC XXXX Re : Cease and Desist Account No. XXXX To Whom It May Concern, This letter serves as my formal and final notice that, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., you are hereby directed to cease and desist all further communication with me regarding the alleged debt referenced above. 

Be advised : 1. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease further communication, you must do so except to advise that collection efforts are being terminated, or that specific legal remedies will be pursued. 
2. Any further communication outside of these narrow exceptions will constitute a willful violation of federal law and will be documented as such. 
3. Any such violation will subject XXXX XXXX XXXX , XXXX. to liability under 15 U.S.C. 1692k, including actual damages, statutory damages, costs, and attorneys fees. 

Additionally, in accordance with 15 U.S.C. 1692g, I hereby demand full and proper validation of the alleged debt, including but not limited to : Identification of the original creditor ; Itemization of the alleged balance ( principal, interest, and fees ) ; A copy of the signed agreement or contract creating the obligation. 

Absent such validation, you are required to immediately cease all collection activity and remove any derogatory information you have reported to consumer credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Failure to comply with this notice will result in the filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General in my state. Furthermore, I reserve the right to initiate a civil action against XXXX XXXX XXXX , XXXX. for statutory damages, costs, and attorneys fees pursuant to federal and state law. 

This notice is provided to you in good faith and shall be deemed sufficient evidence of your receipt of my demand to cease and desist under applicable law. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief