vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paxful Holdings, Inc.

Complaint narrative:
I am filing a formal complaint regarding Paxful Inc., a U.S.-based cryptocurrency marketplace, winding down operations by XX/XX/year>. On XXXX XX/XX/year>, I received XXXX from my cousin as repayment of money I had lent him for his sons tuition fees, but my verified account was immediately frozen, and I can not withdraw my funds. 
I have submitted multiple emails and support tickets, and contacted Paxful on social media, but have only received generic under review replies with no explanation or timeline. I have a documented mental health condition ( XXXX XXXX ), and the account freeze is severely affecting my well-being, yet Paxful has not taken any action. 
I urgently request that Paxful enable withdrawals, provide a clear process and timeline, and that regulatory authorities intervene if the issue is not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
GLA has 2 debts on my credit report, they are for the same amount but reported on 2 different days but during the time frame that includes both dates, I had government insurance and should not have been billed to begin with

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was a victim of the TransUnion data breech I received a letter in the mail so I ordered my credit report and what I saw angered me. I called XXXXXXXX XXXX XXXX XXXX both appeared on my credit report and apparently have been for quite some time I don't really ever pull my report so I didn't know these accounts are not mine. I called XXXX XXXX and all they wanted me to do was to agree to pay something anything they wanted me to agree to make an arrangement on debt thats not mine well XXXX  was no better they both said dispute it with the Credit bureaus which I did I called all XXXX and all XXXX said call XXXX and XXXX. Im being railroaded by this entire system the credit reporting agencies are supposed to verify the information but they are veryinfing from the folks that have the stolen information so its a vicious circle and theres no relief for me. I need help please do something

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 2025-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Nelnet, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX [ XXXX ] ( XXXX : XXXX ) [ XXXX ] ( XXXX ) XX/XX/year> United States Bankruptcy Court XXXX XXXX XXXX XXXX  Re : Adversary Proceeding for Student Loan Discharge Case No. [ XXXX ] ( XXXX ) To the Honorable Judge XXXX, I respectfully request discharge of my federal student loans on the basis of undue hardship. 

I am currently a debtor in bankruptcy proceedings ( XXXX XXXX. [ XXXX ] ( XXXX ) ) and have filed an adversary proceeding against Nelnet/Department of Education 2regarding my student loan obligations. My financial circumstances are such that repayment of these loans would prevent me from maintaining a minimal standard of living for myself and my dependents. 

Specifically : * My current income is {$2000.00}, which is insufficient to cover basic living expenses. 
* My necessary monthly expenses include rent {$1800.00}, utilities {$300.00}, car {$400.00} not counting groceries. 
* I have made good-faith efforts to repay my loans, including Making small payment while in school and staying in contact with Nelnet. 
* My financial hardship is likely to persist due to chronic illness and being a single parent. 

For these reasons, I ask the Court to find that repayment of my student loans constitutes an undue hardship and grant a discharge under 11 U.S.C. 523 ( a ) ( 8 ). 

Thank you for your time and consideration. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: MI

Complaint narrative:
The following accounts are no longer in dispute. 

DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$1400.00} DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$1800.00} DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$440.00} DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$420.00} DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$4500.00} DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$4200.00} DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$1800.00} DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$13000.00} DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$3500.00} DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$2200.00} DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$1100.00} DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$1600.00} DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$590.00} DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$7100.00} DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$3000.00} DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$2800.00} Unauthorized inquiry : XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 to be removed/updated. 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. I have requested proof that this information was mailed or delivered 21 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: Experian Information Solutions Inc.
State: GA

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 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 2025-10-02 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: LA

Complaint narrative:
My information was solden due to a data breach so please delete all negative items off my 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 2025-10-02 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: LA

Complaint narrative:
My information was solden due to a data breach so please delete all negative items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
On XX/XX/XXXX, I made a payment on my Navy Federal Credit Union credit card, as I have been doing since I received the card. I made a payment of {$600.00}. Today, on XXXX XX/XX/year>, I was updating my purchases on my budget, which I update daily, and I noticed that I had another ACH payment to XXXX XXXX for {$600.00} to the card. I called XXXX XXXX to speak with them about this, and they informed me that I had authorized the payment, which I did not. I explained to them that I had made only one transaction, I do not have automatic payment set up, and there is no way I would have double paid, because when I made my payment, I immediately updated my budget to show that I had made the payment. I was told that there was nothing they could do and that the payment would not be reversed. I am filing this complaint because I did not authorize a second payment, and XXXX XXXX is not taking responsibility for the unauthorized payment. I cancelled my card with them right then as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has locked my accounts without releasing funds for both business and personal. I can not pay personal and business bills. I request immediate release of my balances. Theyve done this for all of my accounts and restricted all access.

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 2025-10-02 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: GA

Complaint narrative:
I recently filed a dispute regarding a collections that your company report on my credit report from XXXXXXXX XXXX XXXX XXXX XXXX. This is inaccurate information. You updated the balance to XXXX but it should be REMOVED COMPLETELY as my account was not with A COLLECTION AGENCY. My Balance was paid to the ORIGINAL and only CREDITOR XXXX. I will AGAIN attached documentation to verify this information. From XXXX XXXX XXXX SHOWING THE ORIGINAL AND CURRENT COMPANY AS XXXX, the XXXX bill showing paid to XXXX NOT XXXXXXXX XXXX XXXXXXXX! 
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 2025-10-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: NV

Complaint narrative:
Dear CFPB, I am filing a complaint against XXXX XXXX XXXX XXXXfor unlawful and deceptive debt collection practices. 

The agency is attempting to collect charges that were written off internally by XXXX at XXXX, including flooring, early lease termination, heavy cleaning, and move for less fees. These charges are directly caused by harassment by the property management, which forced me to vacate my unit. 

I have disputed these charges and requested validation, but the agency continues collection efforts. This is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, particularly regarding misrepresentation of the amount and status of the debt. 

I request the CFPB investigate this matter and take action to prevent further unlawful collection efforts. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Reinsertion of Previously Deleted Account FCRA Violation To : I am writing to dispute the reinsertion of an account that was previously deleted from my credit report. The account in question is : XXXX on XXXX XXXX- COLLECTIONS Account number : XXXX [ XX/XX/year> ] Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ), a credit reporting agency may not reinsert information that has been deleted unless the furnisher provides proper written verification of its accuracy. This account was previously deleted and, to my knowledge, has been reinserted without proper verification. I request the following actions : 1. Immediate reinvestigation of this account. 2. Permanent removal of this account from my credit report unless proper verification is provided. 3. Written confirmation that this account has been removed or verified. Enclosed are copies of : My previous credit report showing the deletion Any relevant dispute confirmation letters If your investigation confirms the account was reinserted in error, I expect it to be permanently deleted.

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 2025-10-02 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: MD

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-10-02 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: MD

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-10-02 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: MD

Complaint narrative:
XXXX XXXX : XXXX Account Number : XXXX This account does not belong to me. It was opened and/or used without my knowledge or authorization. 

Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are required to block and permanently remove any information resulting from identity theft. In addition, 15 U.S.C. 1681i obligates you to conduct a reasonable reinvestigation and delete inaccurate or fraudulent information from my file.

Enclosed are copies of my identity theft affidavit/police report and proof of identity. These documents provide written notice and evide
nce that the above account ( s ) must be immediately deleted from my trans Union credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account is erroneous and must be eliminated from my file. I never authorized its existence. Evidence is included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
I am sending this complaint because my credit file contains inaccurate reporting that violates the Fair Credit Reporting Act ( FCRA ). My US Bank account, opened on XX/XX/XXXX, has a balance of {$0.00} and is closed, yet it is being reported with XXXX and XXXX late payments as of XX/XX/XXXX. This is false information because the account was properly closed with a XXXX balance. Similarly, my XXXX XXXX XXXX account, last reported on XX/XX/XXXX, also shows a balance of {$0.00} and is closed, but is being reported with a XXXX late payment that is not accurate. 

These errors are serious because the FCRA requires that consumer reports reflect maximum possible accuracy under 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). The law also provides, under 611 ( 15 U.S.C. 1681i ), that when I dispute information, the credit bureaus must conduct a reasonable reinvestigation. Furthermore, furnishers of information are prohibited under 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) from reporting data they know or should know is inaccurate.

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 2025-10-02 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: GA

Complaint narrative:
b'Good day,\n\nI am submitting this follow-up complaint regarding the inaccurate items listed below that continue to report on my credit file in violation of federal law. I am grateful that some of the items in my credit report were removed after my prior dispute; however, upon reviewing my updated report, I found that several of these inaccurate items remain.\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 response to consumer: Closed with explanation