vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-19 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I placed an order with XXXX XXXX for an LED mask. The company confirmed shipment and claimed the item was delivered. However, I never received the product. No package was left at my residence, and I have checked with neighbors and the carrier. 

I contacted XXXX directly, and they confirmed they have no proof of delivery to my address not my address listed, no signature, and no GPS confirmation. Despite this, the company continues to insist the item was delivered. 

I escalated the matter to my bank, Wells Fargo, but my claim was denied without any explanation, leaving me with no product and no refund. 

This situation has caused financial loss and frustration. The company has failed to provide the item or issue a refund, which violates basic consumer protection standards. 

Wells fargo claim # XXXX Order number 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 2025-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
First Federal credit control sent out only an invoice in an unsealed envelope exposing my personal information to any person in contact with this letter. There was no attempt to seal this envelope as is obvious by its condition.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the following charged-off accounts that appear on my Experian credit report. I believe these accounts are inaccurate and require your urgent attention to resolve. Below are the details of the accounts in dispute : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : I believe this account is inaccurately reported as charged-off. I request verification of this account. 

XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} Dispute Reason : I believe this account is inaccurately reported as charged-off. I request verification of this account. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : I believe this account is inaccurately reported as charged-off. I request verification of this account. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Dispute Reason : I believe this account is inaccurately reported as charged-off. I request verification of this account. 

XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Dispute Reason : I believe this account is inaccurately reported as charged-off. I request verification of this account. 

XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} Dispute Reason : I believe this account is inaccurately reported as charged-off. I request verification of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: OR

Complaint narrative:
This is what i sent to dent collection agency which has since tetirmed it to klarna as not supported i can not get anyone to avknowledge or even speak english to grt the information understood tp rectify That is my debt. I did incur that one airline flight what I have been in disagreement for months now all I want is to be credited the money they've already collected there was an additional payment made of approximately {$38.00} in addition to that they've already sent it to a collection Bureau one time and it's been returned because of their errors When that happened. They were willing to waive all the late fees because I have been called in continuously on this I've written I've done everything I possibly can do. I want to pay the full amount that's due once the credit that I have paid are shown in late fees waived that's what they had agreed to When it's updated to show that I'd be more than happy to make a payment and pay this off that's all I wanted to do from the start. 

Please verify the additional payment that you're not reflecting above and the late fee is what I stated they stated they would wave all those and then I would be happy to pay it. Please let me know what you find out and how I can take care of this once and for all. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Dear Sir/Madam, I am submitting this filing to dispute certain accounts and inquiries listed on my credit report across the XXXX major credit bureaus Experian. Below is a detailed breakdown of the accounts and inquiries that I am disputing : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00} Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  XXXX  - XX/XX/XXXX Late Payment : XXXX Account 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I'm autistic and recovering from being homeless and trying desperately to rebuild my credit on a {$1000.00} a month XXXX check. 

I got an ebike in XXXX financed through my XXXX Chase credit card. The payments are supposed to be {$77.00}. 

My XXXX check comes in on the XXXX and I have been paying Chase FIRST because I was extremely serious about rebuilding my credit. 

However, I didn't realize that Chase applies any payment made BEFORE THE XXXX to the last month 's payment. 

This has created a situation where Chase is applying my XXXX payment to the XXXX payment and it's going to crash my credit rating even though I made the payment on time and prioritized Chase. 

There's no way for me to fix this and now my credit rating is going to crash even though I never missed a payment. 

It's simply not possible for XXXX people to dig out of being homeless when the sleazy bankers drag us backwards just so they can steal from us when we didn't do anything wrong. 

If my credit is going to crash anyway then there is no reason whatsoever to continue trying to meet the agreed upon payment schedule when Chase screws me for being stupid enough to prioritize them. 

I'll eventually pay the ebike off because I'm not a thief, but if I'm going to get screwed over for prioritizing Chase and have my credit get trashed then there's no reason not to send them {$20.00} a month. 

It's not possible to recover from being homeless in this country when the sleazy parasites that manage the banks purposely XXXX XXXX XXXX just so they can make a few extra dollars XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this dispute to address several discrepancies found on my credit report across the XXXX major credit bureaus : XXXX  ( XXXX ), Experian ( EX ), and XXXX  ( XXXX ). These errors include inaccuracies related to charged off accounts, inquiries, positive accounts, and late payments. Below is a breakdown of the disputed items for each bureau. 
Charged Off Accounts : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX, Balance : {$730.00} Inquiries : XXXX XXXX XXXX, Date : XXXX XXXX XXXX, Date : XXXX XXXX, Date : XXXX XXXX  XXXX XXXX, Date : XXXX XXXX XXXX XXXX, Date : XXXX XXXX, Date : XXXX XXXX XXXX XXXX, Date : XXXX XXXX, Date : XXXX XXXX, Date : XXXX XXXX, Date : XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX, Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX, Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX, Date : XXXX XXXX, XXXX XXXX XXXX XXXX, Date : XXXX Late Payments : XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
I am disputing the collection account with XXXX XXXX GM FINANCIAL - XXXX XXXX XXXX XXXX XXXX  -,. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Mercari, Inc.
State: PA

Complaint narrative:
Issue : Mercari permanently banned my account without a valid explanation and is withholding my ability to access my account or continue using their platform.

What happened : I have been a long-time, rule-abiding user of Mercari with no prior violations. Recently, I had a dispute involving an order. I immediately canceled the related transaction, no money was transferred, and I provided accurate information throughout the process. Shortly afterward, Mercari suddenly banned my account and then banned a secondary account as well, even though it had no violations and was only used to make a legitimate purchase.

I contacted Mercari multiple times asking for clarification and a review, but they refused to provide a specific reason. Their responses have been vague and scripted, repeatedly stating that their decision is final without investigating the facts or reviewing the evidence I submitted. I also re-verified my identity as requested, but they still did not restore access. 

To this day, Mercari has not given me any meaningful explanation or an opportunity to appeal properly. I feel I was banned unfairly and without due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the following account listed on my Experian credit report. The reported information is inaccurate, and I am requesting a thorough investigation and resolution. 

CHARGED OFF : XXXX XXXX, XXXX, XX/XX/year>, {$320.00}

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 2025-11-19 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: Paypal Holdings, Inc
State: VA

Complaint narrative:
I purchased XXXX ( XXXX sets ) lighted fog machine street light props on XX/XX/25 from XXXX XXXX XXXX that was described as : XXXX. XXXX tall XXXX. XXXX XXXX. Shipping from XXXX XXXX. Fog machine XXXX. Red light w/interchangeable bulb XXXX. Plug-in or solar XXXX XXXX sets of XXXX each ( XXXX total ) What I received several weeks later was : XXXX. About XXXX ft tall XXXX. Less than XXXX in weight XXXX. Shipped from outside XXXX and took month to receive XXXX. Did not have atomizer to create fog. ( Does not even hold water. ) XXXX. Light is cool white and does not have ability to change bulb XXXX. Does not plug in XXXX. Received a total of XXXX, all of which were cracked and broken Furthermore, I discovered that the Seller was using stolen video footage from another content creator in their advertisements to falsely give buyers the impression that they will be receiving the same high-quality item. What was received was a cheap solar light that does not create fog or have red light. Seller has blocked original content creator, preventing them from warning others that the items are counterfeit. 

I filed a dispute through Paypal, and after providing clear evidence of fraud was told that I would receive a refund if I shipped the merchandise back to the seller at my own expense. 

After shipping the merchandise back to the seller at the return address provided by the seller through Paypal, I received a message from the shipping company that the merchandise is being returned as " the addressee was not known at the delivery address on the package ''. The case was then automatically closed by Paypal in the seller 's favor as " we did not receive valid proof or tracking that you returned the merchandise ''. 

I attempted to reach Paypal to request a manual review of my case and was told that they could not reopen the case. 

I am upset as I provided clear proof that I was the victim of a scam, and not only did I provide more than sufficient evidence that I had correctly returned the merchandise but also that the seller is deliberately using the knowledge of Paypal 's automatic dispute resolution system to effectively and systemically scam victims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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