vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
I purchased a pair of hiking shoes from XXXX for {$190.00} using PayPal on XX/XX/year>. The seller sent the wrong model and size. I initially tried resolving this with the seller, where they agreed to a refund if I returned the shoes. The seller then rescinded the refund after receiving the returned item and sent it back to me again. 

I opened a dispute with PayPal, and on XX/XX/year> they ruled in my favor, committing to a full refund once I returned the item to the address they specified. On XX/XX/year> I returned the item exactly as instructed, using a valid shipping label with tracking. I then provided the proof of shipment and a copy of the shipping label to PayPal and the seller via the PayPal website. 

Despite this, on XX/XX/year>, PayPal closed the case in favor of the seller claiming that I did not provide sufficient tracking information. I called the next day and spoke with a PayPal customer service representative who reopened the case for me which allowed me to provide an unedited video showing me opening the package, confirming the incorrect shoes, repacking them, and attaching the shipping label. Then on XX/XX/year>, PayPal again closed the case in the seller 's favor with no provided reason. 

I called PayPal customer service again shortly after on the same day and asked for an explanation. I was told the seller claimed that the item they received was damaged. I have provided sufficient proof to PayPal that the item I sent back was packaged sufficiently and was not damaged when I packed the shoes. 

On the phone, PayPal customer service suggested I go to my bank. However, because this was a Pay-in-4 transaction, my bank has no jurisdiction. I was offered a {$50.00} voucher, which does not cover my {$190.00} loss. I am requesting that PayPal honor their Buyer Protection policy and the refund they have committed to provide. I have provided more than sufficient evidence that I adhered to the conditions of receiving a refund by their terms. PayPal is ignoring the evidence I provided that proves the seller is clearly being dishonest about the condition of the item I have returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: FL

Complaint narrative:
The company offered a new customer promotion for debit card cash back. While insurance was not excluded in the terms and conditions available in the disclosure they excluded the transactions from their promotions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: IL

Complaint narrative:
I am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and related federal consumer protection laws by creditors and/or credit reporting agencies. The following accounts are being reported inaccurately and are causing significant harm to my creditworthiness, financial opportunities, and overall reputation. 

Disputed Accounts : XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$92000.00} | Reported : Late Payment XXXX XXXX This account is reporting late payments that are either inaccurate, unverifiable, or reported outside the permissible timeframe under FCRA 605. 

XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$2500.00} | Reported : Late Payment XXXX XXXX  This furnisher has failed to provide documentation validating the alleged delinquency. Reporting unverifiable data violates FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Credit : {$59000.00} | Reported : Charge Off XXXX XXXX This charge-off is being reported without proper substantiation and may not comply with FCRA 607 ( b ), which requires maximum possible accuracy. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$0.00} | Reported : Charge Off XXXX XXXX A charge-off with a {$0.00} balance is contradictory and misleading, constituting inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$240000.00} | Reported : Late Payment XXXX XXXX  This late payment is not supported by proper records and violates the accuracy and reinvestigation requirements under FCRA 611. 

XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Credit : {$2700.00} | Reported : Charge Off XXXX XXXX This charge-off entry is unverifiable and damaging, and XXXX has failed to provide validation of this debt despite requests. 

Legal Violations : FCRA 607 ( b ) : Credit reporting agencies must ensure maximum possible accuracy. 

FCRA 611 : Consumers have the right to dispute inaccurate information, and CRAs must conduct a reasonable reinvestigation.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers of information can not report data they know or should know is inaccurate.

FCRA 623 ( b ) : Upon dispute, furnishers must conduct a reasonable investigation and correct or delete inaccurate information.

Requested Relief : I respectfully demand that the CFPB : Investigate these violations by the above furnishers and reporting agencies. 

Require immediate deletion or correction of all inaccurate and unverifiable information. 

Impose enforcement action and penalties on the creditors and/or CRAs for non-compliance. 

Ensure full compliance with all federal laws protecting consumers from unfair and inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-12 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: GA

Complaint narrative:
I am filing this complaint because a collection account is being reported on my credit file without a permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681 Section 602 ( a ), Congress found that 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.

This collection account is inaccurate and unverifiable, causing direct harm to me as a consumer.

Furthermore, under 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. 

I have never given written authorization or consent for this collection agency to access, report, or share my private financial information. 

Reporting this account without my consent is a violation of my privacy rights and is unlawful under federal law. 

The collection agency has also failed to provide original, signed documentation proving that the alleged debt is valid and that they are legally authorized to report it. 

Because this account is unverified and reported without proper authorization, it must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because a collection account is being reported on my credit file without a permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681 Section 602 ( a ), Congress found that 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.

This collection account is inaccurate and unverifiable, causing direct harm to me as a consumer.

Furthermore, under 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. 

I have never given written authorization or consent for this collection agency to access, report, or share my private financial information. 

Reporting this account without my consent is a violation of my privacy rights and is unlawful under federal law. 

The collection agency has also failed to provide original, signed documentation proving that the alleged debt is valid and that they are legally authorized to report it. 

Because this account is unverified and reported without proper authorization, it must be removed immediately.

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 2025-09-12 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: KS

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-12 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: Collection Management Holdings, LLC
State: MI

Complaint narrative:
XXXX XXXX AND XXXX  AND POSSIBLE  OTHER CREDIT REPORTING AGENCIES REPORTED DISPUTED XXXX  DEBT ON CREDIT REPORTS CONTRARY TO EXISTING LAW THAT WENT INTO EFFECT THIS YEAR 2025 IN XXXX WE CAN ALSO TRUST

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/XXXX, I purchased a mattress from Mattress Firm for {$2500.00}. At the time of purchase, the Mattress Firm sales representative clearly explained that if I applied for the Mattress Firm credit card and chose the 24-month plan, I could pay the balance over two years interest-free. 

Based on that explanation, I applied for the card and set up autopay. I was never told that the promotion was a deferred interest plan, that autopay would default to Minimum Due, or that I would have to manually calculate and set a different payment amount to ensure the balance was paid in full before the expiration date. 

For two years I made payments under the belief that the balance would be fully paid off in 24 months. However, when the promotion expired in XX/XX/XXXX, I discovered that my balance had barely decreased and that more than {$1400.00} in deferred interest was suddenly added. 

I immediately contacted Synchrony Bank customer service ( Complaint Reference # XXXX ). They acknowledged that the sales representative may not have explained the plan clearly, but refused to reverse the interest, claiming it was correctly charged. 

I also filed a complaint with Mattress Firm corporate ( Case # XXXX ), as the misrepresentation originated at the point of sale. Despite these efforts, no resolution has been provided. 

This situation is misleading and deceptive. The promotion was presented as an interest-free installment plan, not as a deferred interest plan. I reasonably believed my payments were structured to pay off the balance within 24 months.

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 2025-09-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX  ) has been trying to charge me for going there when I have never. I went to XXXX in school for XXXX. They have been spamming me for literal years to try to collect an amount about {$3000.00} when I never went there and this company is currently trying to harass me by calling me and my family to collect a debt I've never had?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NM

Complaint narrative:
This mistake misrepresents my payment practices. Please address and correct it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: AZ

Complaint narrative:
I have received a notice of delinquency from my county regarding failure to pay property tax on XX/XX/XXXX. I did not receive any notification that my mortgage company would not be paying the tax and I was forced to pay the full amount + a fine for being late. Total property tax {$1300.00} with an interest fine of {$89.00}. BSI Financial Services did not contact me despite attempts to use their website for customer service and directly emailing their customer service email. I had assumed they would no longer be paying the tax. 

Now on XX/XX/XXXX, they have notified me that they would be increasing my escrow account by {$300.00} to continue to pay the property tax and no acknowledgment that I have had to pay on their behalf the bill and fine that my escrow should have covered and even if there was a revision on my property tax, they should have notified me in advance of inability to pay. As such, I have attempted to reach out to them through their ticket line, requesting the removal of the property tax charge from my escrow. They did not respond to my first request, simply unchecking my requests without a reply. Re-opening my complaint, expressing my frustration with them, they have sought to deny my request. They have caused me financial burden, and with this increase in escrow payment, they are putting me at risk of forbearance. I am willing to pay my Mortgage as the rate previously was {$1900.00}, but I can not pay this revised rate of {$2200.00}. 

Due to their actions, I have mailed a letter citing RESPA today, XX/XX/XXXX to their official address and am now completing this consumer finance complaint. All I seek is a loan modification that is not unreasonable. Their increase of {$300.00} is on top of existing escrow payments. At this point, they are seeking to collect {$510.00} in total in escrow payments and by the end of the year, this totals {$6100.00}, which vastly exceeds my property tax payment, property insurance payment, and even PMI upwards of {$3000.00}. This is unreasonable and theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
I respectfully request the removal of this credit inquiry from my report, as I did not authorize it and have no association with the creditor involved. Please ensure its prompt deletion to maintain the accuracy of my credit file.

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 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo closed my checking account while valid dispute claims were being investigated. I file a complaint with CFPB XXXX. 

results of the complaint was my original checking accounts are to remain closed and I will be issued a cashier check in the amount of {$230.00} and {$350.00} claims XXXX and XXXX. 

The dispute agent working on claims did not properly note my dispute and cashier check weren't issue in timely manner even thou I was receiving correspondents from Wells Fargo via mail that I would be receiving cashier checks in the amount of {$230.00} and {$350.00}. 

A claims supervisor informed me that checks were issued via usps however they were fraudulently cashed and or deposited into bank account that not in my name. because to date as of XX/XX/2025 have not received the cashier checks. 

my claims were transfer to check fraud department. The check fraud department said cashier checks sign over to someone else and this is considered whole sale fraud. 


Wholesale fraud created a case XXXX. 

Also even though I used my wells Fargo account as intended and didn't violate any banking policies my original checking ending XXXX remains closed and I cant get new wells Fargo account approved even thou on response i got from complaint CFPB XXXX said i could have another checking account with bank when i go to apply no account has been approved since original checking was sent for closure.

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline Furthermore According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. 



None of which has been verified or provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Secure One Financial Inc.
State: CA

Complaint narrative:
I was contacted by a representative from Secure One Financial regarding a personal loan. During our phone call on XX/XX/year>, I asked multiple times if the company was a direct lender. Each time, the representative confirmed that they were. 

Following the call, I received an email stating that my application has been submitted to our underwriting team for approval. However, after reviewing their website, I found a disclaimer that directly contradicts this claim. Their site clearly states : Secure One Financial is not a lender, broker, mortgage company, or attorney network Secure One Financial does not take loan applications, originate, service, underwrite, make loans or credit decisions When I brought this to the reps attention, he dismissively claimed I had read it wrong, which I found extremely misleading and insulting to my intelligence.

As a former mortgage loan officer, I verified through the NMLS database that Secure One Financial is not a licensed lender, yet they falsely presented themselves as one and claimed to be conducting underwriting.

While only a soft credit pull was conducted and no loan was finalized, this behavior appears to be intentional misrepresentation and a violation of consumer lending regulations.

I am requesting : That my personal information be fully deleted from their system.

That Secure One Financial be investigated for deceptive marketing and possible unlicensed activity. 

I am also in the process of submitting complaints to the FTC, California Attorney General, and the XXXX.

Company response to consumer: Closed with explanation