vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally notifying you of fraudulent personal information associated with my identity that appears on my credit report. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, as I have become a victim of identity theft. This fraudulent information has caused significant distress and has had a detrimental impact on both my financial well-being and personal reputation. I am requesting your immediate cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence to support my dispute and will pursue all available legal remedies if this matter is not resolved appropriately.

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 2025-07-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
To : Consumer Financial Protection Bureau I am filing a formal complaint regarding PayPals failure to process over 390 chargeback disputes I filed under their Not as described policy ( SNAD ). From XX/XX/XXXX through XX/XX/year>, I uploaded substantiating documentationincluding public court filings, media reports, and legal precedentshowing XXXX XXXX used bots to rig games. This clearly qualifies as digital goods significantly not as described, per PayPals User Agreement. 

Despite this, PayPal closed all cases in XXXX favor, and marked the disputes ineligible for Purchase Protection. This indicates PayPal neglected its obligations under the Consumer Financial Protection Act.

I request that CFPB investigate PayPals handling of my SNAD claims and require them to reopen, re-review, and refund all applicable transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I paid a bill online onXXXX. Never received XXXX bill. Find out I was switched to paperless billing which I never signed up for. Called they reimbursed my late fee, but also found out they had been charging me {$1.00} a month to send me a bill. I never signed up for that. Apparently the lady stated back XX/XX/year> a notice was sent I never received. That said I would automatically be opt into paperless billing. I dont have an email so I never received the bills so theyre charging me interest and late fees for something I never signed up for. Or charging me monthly and have been charging me for over a year of sending me a bill. Ive no written notice. No phone calls. They just take people off the mailing list. Email them which I dont follow email. I pay my bills as they come in the mail. I have not been receiving them. They have been stealing from me.

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 2025-07-14 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please XXXX this information from my credit report, pursuant to section XXXX of the 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 2025-07-14 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I placed an online order with Home Depot using my Home Depot store credit card ( Order # XXXX ), totaling {$1200.00}. The order included several XXXX power tools and accessories. According to the Home Depot app, the items were marked as Delivered on XX/XX/XXXX and XX/XX/year>, to my address at XXXX XXXX XXXX, XXXX, CA XXXX. 

However, I never received any of the packages. I was not home during the time of delivery, and I did not authorize the packages to be left unattended or without a signature. There were no doorbell notifications, no delivery confirmation photos, and no packages when I returned home. 

I contacted Home Depot customer service but received no resolution. I then filed a billing dispute with Citi, the issuer of the Home Depot credit card. Citi later denied my dispute, stating that the merchant did not respond. 

I have submitted all relevant documents and screenshots showing the delivery status and order details through the Home Depot app, and I have made multiple attempts to resolve this in good faith. 

I am requesting a full refund of {$1200.00} because I never received the merchandise, and I have taken reasonable steps to resolve this matter with both Home Depot and the credit card company.

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 2025-07-14 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:
TRANSUNION credit reporting is refusing to remove XXXX accounts from my credit file. TRANSUNION has also blocked my online access to dispute accounts and when i mail in my dispute TRANSUNION XXXX says that they never received it or it is processing. Accounts - XXXX  XXXX # XXXX, BALANCE XXXX, STATUS - CLOSED. Account # XXXX - XXXX  XXXX # XXXX, BALANCE XXXX, STATUS- CLOSED. XXXX XXXX- BALANCE XXXX - These accounts were NEVER AUTHORIZED BY MYSELF XXXX XXXX XXXX TO BE PUT ON MY TRANSUNION CREDIT FILE. THESE ACCOUNTS ARE NOT MINE AND SHOULD NOT BE APART OF ANY CREDIT FILE WITH ANY REPORTING BUREAU BEARING MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH. TRANSUNION IS VIOLATING MY PRIVACY RIGHTS AND IS ALSO VIOLATING MY PRIVACY BY ALLOWING XXXX XXXX AND XXXX XXXX UNAUTHORIZED USE AND ACCESS TO MY CREDIT FILE. THESE XXXX ACCOUNTS ARE TO BE BLOCKED FROM CREDIT FILE AND ALL REPORTING FROM CREDITOR CEASE ON MY TRANSUNION 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 non-monetary relief
Consumer complaint received 2025-07-14 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: MO

Complaint narrative:
Everything I have is in my XXXX  name. Our phones, cars, XXXX  cards, everything is in my XXXX  name. I bought a XXXX XXXX  in XXXX. I sold it in XXXX  and paid it off. That is the only thing that is on my credit that has anything to do with me. From what I can tell someone is applying for something everyday. I see that someone has applied for XXXX  cards, XXXX, XXXX XXXX and 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 2025-07-14 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 filing a formal complaint and cease and desist request regarding XXXX XXXX, who is attempting to collect on Account # XXXX without properly validating the alleged debt. 

Despite my written request for validation, the company has only provided generic account statements and documents that do not prove ownership or contractual liability. Under the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g A debt collector must validate a debt upon request.

15 U.S.C. 1692c If a consumer refuses to pay or requests no further contact, all communication must cease.

15 U.S.C. 1692e ( 3 ) It is unlawful to falsely imply legal representation or misrepresent authority. 

XXXX has failed to comply with these laws and continues to engage in collection activity without proof or legal jurisdiction. 

I am demanding validation of the alleged debt within 30 days, or the account must be deleted and all collection activity stopped immediately. Continued contact or misrepresentation will result in further complaints and possible legal action under FDCPA 813 ( 15 U.S.C. 1692k ), which allows for up to {$1000.00} per violation plus damages and attorneys fees.

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 2025-07-14 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:
I am filing a formal complaint and cease and desist request regarding XXXX XXXX, who is attempting to collect on Account # XXXX without properly validating the alleged debt. 

Despite my written request for validation, the company has only provided generic account statements and documents that do not prove ownership or contractual liability. Under the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g A debt collector must validate a debt upon request.

15 U.S.C. 1692c If a consumer refuses to pay or requests no further contact, all communication must cease.

15 U.S.C. 1692e ( 3 ) It is unlawful to falsely imply legal representation or misrepresent authority. 

XXXX has failed to comply with these laws and continues to engage in collection activity without proof or legal jurisdiction.

I am demanding validation of the alleged debt within 30 days, or the account must be deleted and all collection activity stopped immediately. Continued contact or misrepresentation will result in further complaints and possible legal action under FDCPA 813 ( 15 U.S.C. 1692k ), which allows for up to {$1000.00} per violation plus damages and attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To : Wells Fargo Enterprise Complaints Management Office XXXX XXXX XXXX XXXX XXXX, SD XXXX CC : Consumer Financial Protection Bureau ( CFPB ) CFPB Case No : XXXX Wells Fargo Case No : XXXX Account Ending in : XXXX Subject : Formal Dispute of Charge-Off and Late Payment Reporting Under FCRA & FDCPA Dear XXXX XXXX, This letter serves as a formal dispute of the reported late payments and charge-off status listed under account ending in XXXX. While I acknowledge communication regarding these matters, I am invoking my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) to dispute inaccurate, incomplete, and unverifiable information furnished to the credit bureaus.

Per FCRA guidelines : Section 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers of information to ensure maximum accuracy.

Section 1681i ( a ) ( 5 ) ( A ) mandates deletion of disputed items if the information can not be verified or substantiated after reinvestigation.

Additionally, any payments you claim were " returned '' should be verified by producing bank proof of return, transaction trace logs, and clear evidence of intent to repay not just account summaries.

You also failed to demonstrate how the charge-off balance is legally collectible if the debt is disputed. Under the FDCPA ( 15 U.S. Code 1692g ), I am requesting full validation of this alleged debt and demand the suspension of any negative reporting while under dispute.

Please be advised : I am requesting removal of all negative marks and charge-off status that can not be validated with concrete, original documentation.

This letter constitutes notice to cease collection activity until full validation is provided, or you will be in violation of 15 U.S.C. 1692g ( b ).

Failure to comply may result in further complaints with the CFPB, FTC, and possible civil litigation under FCRA and FDCPA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : 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 2025-07-14 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: CT

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: CT

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Hi my name is XXXX XXXX, I am the owner of my pnc acct, with routing numberXXXX ; an account number:XXXX. My account was frozen/ closed for XXXX reason an no explanation given. I tried calling, emailing, ect.... Still no REASON as to why my funds are frozen. I been a member over a year with averified account, an then this happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CT

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: MD

Complaint narrative:
It is my concern that the Department of Government Efficiency XXXX ) accessed my student loan financial information as a XXXX party vendor without proper authorization or written consent before being disclosure tonthe aforementioned XXXX party. The Family Educational Rights Act ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility is to safeguard my information. Given the severity of the breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

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 2025-07-14 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: MD

Complaint narrative:
It is my concern that the XXXX XXXX XXXX  XXXX XXXX ) accessed my student loan financial information as a XXXX party vendor without proper authorization or written consent before being disclosure tonthe aforementioned XXXX party. The XXXX XXXX XXXX  XXXX ( XXXX ) protects the confidentiality of student records. This XXXX is a clear violation of XXXX and your responsibility is to safeguard my information. Given the severity of the XXXX and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

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 2025-07-14 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: MD

Complaint narrative:
It is my concern that the Department of Government XXXX XXXX ) accessed my student loan financial information as a XXXX party vendor without proper authorization or written consent before being disclosure tonthe aforementioned XXXX party. The XXXX XXXX XXXX  XXXX ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility is to safeguard my information. Given the severity of the breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NJ

Complaint narrative:
I previously disputed inaccurate late payments reported on my credit file from XXXX XXXX XXXXXXXX and XXXX. Both accounts show late payments that were reported without any prior notice or opportunity for me to address them. This violates the XXXX XXXX XXXX XXXX ( XXXX  ) because the creditors failed to notify me before reporting these delinquencies. Despite my dispute, Experian has not corrected or removed the inaccurate late payment information. I have now filed a formal complaint with the CFPB due to XXXX  failure to properly investigate and resolve the issue. I demand immediate reinvestigation, proof of proper notification from the creditors, and removal of these late payments if they can not be verified.

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 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
I have an indigo and XXXX XXXX XXXX from concord credit. 

The bill is due on the XXXX each month. I pay them online every month. Including this month. 

However they assessed a late fee this month and reported the wrong statement balance to the credit bureaus. 

This is extremely unacceptable and now my statement balance is extremely over the limit. 


This needs to be fixed. 


They told me it would fix itself on Monday, it did not.

Company response to consumer: Closed with explanation