vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing a complaint regarding PayPals handling of a dispute involving an item purchased through XXXX. The item I received was significantly not as described and could not be used for its intended purpose. I made multiple attempts to resolve the issue directly with XXXX, but they continually failed to provide a valid or functional return option. 

Throughout my communications with XXXX, they repeatedly sent what they claimed were XXXX return labels or tracking certificates. Each time, XXXX told me that XXXX would be coming to pick up the item. I waited for UPS on multiple occasions, but XXXX never arrived. When I contacted XXXX directly to understand what was happening, they told me that the labels XXXX was providing were not valid labels. Despite this, XXXX kept sending new labels that also did not work and continued insisting XXXX would come. 

I explained all of this to PayPal and submitted information showing that the item was not as described, along with screenshots of XXXX repeatedly sending unusable labels and promising XXXX pickups that never occurred. I also explained that the item was large, created an obstruction in my business, and since XXXX never arranged a legitimate return process, I eventually had no choice but to discard it. 

Despite all of this, PayPal closed my case without addressing the facts I presented. Their responses did not acknowledge the photos, the communication screenshots, the repeated failed return attempts, or the fact that XXXX labels were not valid according to XXXX. 

I resubmitted the evidence multiple times, yet PayPal still denied the claim without addressing the core issue that the product was significantly not as described, and that XXXX repeatedly issued invalid return labels and falsely claimed XXXX would pick up the item. 

I respectfully request that the Consumer Financial Protection Bureau review PayPals handling of this dispute and require PayPal to properly evaluate the documentation and reconsider their denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I did not make these charges nor did I give anyone authority to make those charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Formal Complaint & Request for Investigation Navy Federal Credit Union Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am filing this complaint against Navy Federal Credit Union regarding inaccurate, inconsistent, and unlawfully reported derogatory information that violates the Fair Credit Reporting Act ( FCRA ) and is causing substantial harm to my credit profile. 

Details of the violation : Navy Federal is reporting derogatory charge-off tradelines across credit bureaus with : Conflicting dates of last activity Inconsistent account status reporting Ongoing negative reporting after the account was charged off Balance reporting inconsistencies Missing payment history and lack of validation For example, as shown in my XXXX credit report dated XX/XX/XXXX : XXXX reports a charged-off closed account with last activity on XX/XX/XXXX and balance {$15000.00} XXXX reports the same account as closed due to inactivity with continued monthly negative updates through XXXX XXXX shows different dates of status and balance history This is a direct violation of : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate or incomplete information FCRA 623 ( a ) ( 2 ) Duty to update and correct inaccuracies FCRA 605 ( c ) Illegal re-aging of debt to extend reporting period FCRA 609 & 611 Right to verification and dispute investigation Harmful impact These reporting violations have significantly lowered my credit score and caused denials of credit and housing opportunities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: NC

Complaint narrative:
Creditor : Kikoff Lending LLC Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am filing this complaint against Kikoff Lending LLC regarding the inaccurate and unverifiable reporting of a derogatory account that appears on my credit report. 

Summary of Issue The Kikoff tradeline is reporting inconsistently between XXXX and XXXX, including : Different dates of last activity Different status history Incomplete or missing payment records Reporting of extended late payments and charge-off data without proof of accuracy The account shows : XXXX  : Charge-off with late months listed through XXXX XXXX XXXX Charge-off reporting with conflicting late history and date sequencing This inaccurate reporting violates : FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishing inaccurate information FCRA 623 ( a ) ( 2 ) Duty to correct FCRA 611 Right to verification FCRA 607 ( b ) Maximum accuracy requirement Harm to Consumer The account appears to be unverifiable, outdated, and inaccurate, creating a negative impact on my credit standing far beyond what is legally permissible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I am due a refund of {$1500.00} from Affirm. Affirm confirmed this via email on XX/XX/year>, stating that a check would be mailed within XXXX  days. I have reached out to Affirm on XXXX separate occasions, asking if and or when the refund check would be sent. I was assured that it would be received within XXXX  days at most. It has now been almost XXXX days and Affirm refuses to contact me or give me any further information. I have called and spoken with supervisors, who say that they can only forward my information to the appropriate department and wait XXXX days for an email response. I received an email from Affirm on XX/XX/year> stating that I would received a refund within XXXX days, but have received nothing as of date. I have called and asked to speak to someone who can tell me when the refund was sent, or if it has been sent, and what the reason for the significant delay is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-11-20 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: OR

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I voluntarily surrendered my vehicle to XXXX XXXX XXXX ( XXXX ). After the surrender, the account should not continue reporting monthly delinquency updates or an ongoing voluntary surrender status. 

Experian conducted an initial reinvestigation in XX/XX/year> but did not correct the inaccurate reporting, even though the account continues to update each month as if it is open and delinquent. After this investigation, XXXX  completed a reinvestigation of the same XXXX account and deleted it entirely, stating it could not be verified. 

I notified Experian of this new evidence and resubmitted my dispute, but the account still updates monthly with a delinquent voluntary surrender status. This is inconsistent with the results of XXXX investigation and appears to be inaccurate under the FCRA. 

I am requesting that Experian conduct a proper reinvestigation with actual verification from XXXX or delete the account for accuracy and consistency. I have attached my XXXX  deletion results and Experians reinvestigation outcome.

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 2025-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am submitting this letter to request the full and immediate discharge of my student loans under Nelnets management, citing a pattern of deceptive practices and institutional failure to provide fair guidance. 
I was entered into a relationship with Nelnet expecting honest service and expert management of my federal loans. Instead, I was misled regarding critical repayment options. This manipulation has caused my loan balance to soar due to capitalized interest, well beyond the amount I initially borrowed. The resulting financial strain and mental distress have profoundly affected my life. The inability to meet my financial obligations directly stems from the misinformation provided by Nelnet. 
These actions mirror the widespread fraudulent behavior Nelnet has been accused of in lawsuits by multiple state attorneys general and the CFPB. The harm inflicted upon me by relying on Nelnet 's negligent advice necessitates a full discharge of my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: PA

Complaint narrative:
I am submitting to dispute specific items reporting on my Experian credit file that appear to be inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), including Sections 602 ( A ), 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ), I have the legal right to ensure that all information reported about me is fully accurate, fairly presented, and verifiable. After reviewing my file carefully, I discovered reporting discrepancies that require full reinvestigation and correction. XXXX  XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$610.00}.

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 2025-11-20 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: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I noticed that Upstart is reporting XXXX charge-offs on my credit report for the amount of {$0.00}. 
One is XXXX XXXX XXXX XXXX XXXX XXXX XXXX and another one is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This information is inaccurate and does not match my records. 

I contacted the company requesting verification and supporting documentation regarding this debt. I also requested that they correct or remove any inaccurate information they are reporting to the credit bureaus. The company has [ failed to respond/ responded but did not provide documentation/ continued reporting inaccurate information ] despite my request. 

To date, the company has not provided evidence that the reported charge-off is valid, accurate, or belongs to me. Because the information being reported is incorrect and is negatively affecting my credit, I am requesting that the company investigate this matter and remove the inaccurate charge-off from all credit bureaus. 

I am also requesting written confirmation once the correction has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: Absolute Resolutions Corp.
State: GA

Complaint narrative:
I am filing a complaint against Absolute Resolutions Corp, who is reporting and attempting to collect an alleged debt.

Absolute Resolutions is a debt buyer, and therefore they are required to maintain accurate documentation and complete verification before attempting to collect or furnish information to the credit bureaus.

I requested full validation under FDCPA 15 U.S.C. 1692g, including : Proof of the original contract or agreement bearing my signature, A complete itemized accounting of the amount they claim, Documentation proving they legally own the debt ( chain of title ), Proof the debt is within the statute of limitations.

Absolute Resolutions has not provided the required validation, yet they continue to report this account to the credit bureaus.

Under FDCPA 1692c ( c ), I also instructed them to cease communication except to provide validation.

Under the FCRA, Absolute Resolutions is required to report only information that is verified and accurate : FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) requires maximum accuracy.

FCRA 611, 15 U.S.C. 1681i requires unverified or inaccurate accounts to be deleted, not continued.

FCRA 1681s-2 prohibits a furnisher from reporting information that is
inaccurate, incomplete, or unverifiable.

As a debt buyer, they must have a permissible purpose to report under FCRA 604, 15 U.S.C. 1681b, which they do not have until the debt is properly validated. Absolute Resolutions is acting outside of federal law by continuing to report a debt they have not validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Federal law requires credit bureaus to block adverse information resulting from severe forms of human trafficking within four business days of receiving a survivor 's submission. According to the Debt Bondage Repair Act. I have yet to get an update from complaint filed XX/XX/year>

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 2025-11-20 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I am stressed out because this company is violating my rights Under 15 USC 1681 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable er inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
AmeriHome Mortgage is reporting XXXX inaccurate late payments on my credit report for a period when I was under an approved forbearance plan with them. Their customer service repeatedly denies I was their customer in XXXX, even though multiple AmeriHome agents have confirmed that I was, and that I was in forbearance. I can not get a response from AmeriHomes email team, and the incorrect reporting is damaging my credit score. 

Details of the Problem : I was an AmeriHome customer throughout XXXX and XXXX. I was under an approved forbearance plan during that period. My loan was temporarily transferred to XXXX for several months and then returned to AmeriHome around XX/XX/XXXX. Because of that transfer, AmeriHomes email support incorrectly insists that they have only serviced my loan since XX/XX/XXXX, ignoring my earlier XXXX loan number and the period during which the forbearance took place. 
Despite being under forbearance, AmeriHome has reported XXXX late payments to the credit bureaus for : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These late payments are inaccurate and have brought my credit score down to XXXX. 

I called AmeriHome multiple times. Two different AmeriHome representatives confirmed : I was their customer in XXXX I was under an approved forbearance plan The late payments should not have been reported However, these agents refused or failed to send me written confirmation. Meanwhile, the email support department continues sending automated responses stating they have only serviced my loan since XX/XX/XXXX. They are not reviewing the old loan number or the correct servicing timeline. 

I have emailed AmeriHome several times, provided the old loan number and new loan number, explained the forbearance dates, and attached screenshots of the reported late payments. I have received no meaningful response for over a month.

This is inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), and AmeriHome is refusing to properly investigate or correct the information.

What I Want : I am requesting that the CFPB require AmeriHome to : Review both of my loan numbers ( old and new ) and confirm my forbearance status in XXXX Investigate the XXXX incorrectly reported late payments Correct my credit report with XXXX, XXXX, and XXXX Provide written confirmation of the investigation and corrections Ensure that all reporting reflects accurate forbearance status and compliance with FCRA requirements I am attaching screenshots of the late payments and copies of my communication attempts. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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