vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: PA

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 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 2025-12-27 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: NJ

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 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 2025-12-27 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:
Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Date of Birth : XXXX Companies : XXXX XXXX Account XXXX : XXXX XXXX  / XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Credit Reporting / Fraud / Identity Misuse I am disputing the above collection accounts because I have no agreement with these accounts, they are not mine, and they were reported under the incorrect name XXXX XXXX instead of my full legal name, XXXX XXXX XXXX XXXX XXXX 

These accounts are fraudulent, and I have not authorized them in any way. Despite prior disputes, no verification or proof of legitimacy has been provided by the creditors or collection agencies. 

I request a full investigation under the Fair Credit Reporting Act ( FCRA ) and that these fraudulent accounts be immediately removed from my credit report. I have attached documentation supporting my identity and showing these accounts are not mine.

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 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Veros Credit, LLC
State: NV

Complaint narrative:
I am filing this complaint against Veros Credit , LLC, for continued inaccurate and misleading reporting of a closed auto loan that has been paid and carries a XXXX balance. 

Despite the obligation being satisfied and closed, the account continues to appear in a manner that adversely affects my credit profile. Any remaining derogatory or misleading reporting o

n a discharged obligation lacks a lawful commercial basis. Under * * UCC 3-602 * *, payment discharges the obligation. Additionally, * * UCC 1-201 ( b ) ( 20 ) * * and * * 1-304 * * require honesty and observance of rea
sonable commercial standards of fair dealing. Continued adverse reporting after discharge violates these standards. 

Under * * FCRA 611 and 623 * *, Veros Credit , LLC is required to report information that is accurate, complete, and verifiable. Failure to correct or delete misleading data constitutes noncompliance. 

I am requesting that the CFPB require Veros Credit , LLC to : * Correct or remove inaccurate payment history * Verify the account with complete and accurate records * Delete the account if it can not be properly substantiated This inaccurate reporting has caused measurable harm to my financial standing. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Albert Corporation
State: FL

Complaint narrative:
I have been charged $ XXXX monthly for an Albert Genius subscription that I no longer use and have repeatedly attempted to cancel. 

Albert states that the only way to cancel the subscription is by withdrawing funds from an Albert savings account linked to a bank that is now defunct and permanently closed. 

The withdrawal is technically impossible. Every attempt results in an error stating the bank connection has permanently failed. 

Despite knowing this condition can not be met, Albert continues to withdraw subscription fees from my current savings account. 

I have contacted Albert customer support multiple times and they refuse to cancel the subscription unless the impossible withdrawal is completed. 

This practice effectively traps consumers in a subscription and results in unauthorized recurring withdrawals. 

I am requesting immediate cancellation of my subscription, cessation of all future charges, and review of this unfair business practice.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I purchased a XXXX cold plunge tub using financing through Bread XXXX. 

On XX/XX/XXXX, the unit experienced a sudden and severe water failure originating from inside the tub structure. XXXX actively leaked from beneath the unit and from internal foam-insulated cavities, releasing a substantial volume of water. The leak resulted in documented property damage, including saturated baseboards, water intrusion beneath flooring seams, and wet underlayment. The tub also lost measurable water volume, which is not consistent with condensation. All external fittings and the chiller remained completely dry, confirming the failure originated internally. 

I notified XXXX immediately on XX/XX/XXXX. Because XXXX does not offer phone support, all communication occurred by email. Plunge did not respond until XX/XX/XXXX, at which time additional documentation was requested. Extensive photographs were promptly provided. There was then no response again until XX/XX/XXXX, when I was given a scheduling link for a phone call, with the earliest availability being XX/XX/XXXX, despite this being an active water-intrusion situation. These delays occurred while water damage was ongoing. 

To prevent further damage, the unit was drained. Even after draining, water continued to drip from multiple internal foam insulation cavities, confirming widespread internal water intrusion. I repeatedly explained that this represented a catastrophic internal failure, not surface condensation, and that a repair could not reasonably remediate water trapped within internal insulation or eliminate mold and safety risks. 

Despite the documentation provided, XXXX characterized the issue as possible condensation and stated that repair was the only option under warranty, or alternatively that the unit could be returned subject to a 25 % restocking fee. XXXX refused to approve a replacement or a refund and refused to waive the restocking fee. This position was confirmed in writing as their final determination unless I agreed to a repair. 

Given the nature of the failure, the resulting property damage, and the safety and mold concerns, I requested a reasonable resolution in the form of a full refund or replacement. XXXX refused. Because this purchase is financed through Bread XXXX, I disputed the charge and paused payments, as I am being required to continue paying for a product that failed in its essential function, caused damage, and for which the seller has refused a reasonable remedy. 

I am submitting this complaint because a defective, financed product caused documented property damage, the seller delayed response during an active failure, and a fair resolution has been refused while financing enforcement continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
I am formally disputing an incorrect balance and inaccurate credit reporting by CBE. 

I have been on an agreed three-payment payment plan with CBE. Under this agreement : I made my XXXX payment as scheduled I made my XXXX payment on XX/XX/XXXX, which cleared my bank on XX/XX/XXXX with no interruption My final and third payment is scheduled to be withdrawn on XX/XX/XXXX CBE is now incorrectly claiming that my XXXX payment was returned for insufficient funds. This is false. My bank statements clearly show the payment was withdrawn on XX/XX/XXXX and successfully cleared, with no reversal, return, or XXXX 

Despite this, CBE has : XXXX. Added an unauthorized additional payment to my account XXXX. Increased my balance inaccurately XXXX. Reported incorrect information to the credit bureaus, resulting in a XXXX drop in my credit score I have documentation showing : The original three-payment agreement Proof of payment for XXXX and XXXXXXXX XXXX  statements confirming the XXXX and XXXX payment cleared

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
In XX/XX/year>, I sold a XXXX phone through the online marketplace XXXX and was required to use PayPal as the payment processor. Approximately XXXX days after delivery, the buyer raised an issue claiming the phone was not as advertised. 

The buyer exploited XXXX automated dispute system and was able to open, escalate, and close the dispute in a single business day on Monday, XX/XX/year>. PayPal sided with the buyer, issued a full refund, and did so without requiring the phone to be returned. As a result, the buyer kept my property. 

A few days later, the buyer admitted on XXXX that he took the phone and resold it for profit. 

The financial impact is as follows. 
The original transaction total was {$770.00}, consisting of a sale price of {$710.00} plus {$59.00} in taxes and fees. PayPal charged back the full {$770.00} to my account and also assessed a {$30.00} high-volume dispute fee, bringing the PayPal impact to {$800.00}. I also paid {$34.00} for overnight shipping. My total loss is {$840.00}. 

Because I had already withdrawn part of the funds, PayPal immediately drove my account negative by {$550.00}, and I was left with neither the phone nor the payment. 

When I attempted to contact PayPal during this time, I was informed that my account was suspended and that there was nothing I could do. Since XXXX was the marketplace involved, I pursued them for a replacement device, but they repeatedly told me to return to PayPal, stating that PayPal controlled the dispute. 

I filed a complaint with the Better Business Bureau. PayPal responded, requested reference numbers, and acknowledged that it was not right for a refund to be issued without the phone being returned. A PayPal representative stated the matter would be reviewed. After months with no response, I assumed PayPal was finished with the issue and moved on. 

I was then contacted by PayPal and told that I still owed the refunded amount because I did not respond in the allotted time, despite the dispute being opened and closed in less than XXXX business day. PayPal further informed me that I was permanently banned from the platform and instructed not to contact them again except to pay the alleged balance. 

I do not owe PayPal any money. This loss was caused entirely by PayPals decision to issue a refund without requiring the return of my property and without providing meaningful seller due process. I am requesting that PayPal correct this error, restore my account balance to zero, and reimburse me for the full amount of the loss caused by its improper dispute handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: MI

Complaint narrative:
Understanding under these UCC codes you are to are delete anything that has to do with the following : 15 USC 1666 ( b ) 15 USC 1681 ( c ) 2 : to specify thats is dealing with the XXXX XXXX account 15 USC 1681 ( s ) 2 : XXXX XXXX account as well 15 USC 1681 : All hard inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: MI

Complaint narrative:
Understanding under these UCC codes you are to are delete anything that has to do with the following : 15 USC 1666 ( b ) 15 USC 1681 ( c ) 2 : to specify thats is dealing with the XXXX XXXX account 15 USC 1681 ( s ) 2 : XXXX XXXX account as well 15 USC 1681 : All hard inquiries

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 2025-12-27 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: MI

Complaint narrative:
Understanding under these UCC codes you are to are delete anything that has to do with the following : 15 USC 1666 ( b ) 15 USC 1681 ( c ) 2 : to specify thats is dealing with the XXXX XXXX account 15 USC 1681 ( s ) 2 : XXXX XXXX account as well 15 USC 1681 : All hard inquiries

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 2025-12-27 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: PR

Complaint narrative:
A XXXX XXXX credit card account that does not belong to me is being reported on my credit file and has been maintained for months despite extensive disputes and notice of inaccuracy. I have disputed this account more than fifteen ( 15 ) times with TransUnion and XXXX  and have also filed three ( 3 ) prior complaints with the Consumer Financial Protection Bureau regarding this same account.

Throughout this entire process, neither XXXX XXXX nor TransUnion has ever produced a single document validating that I opened, authorized, or benefited from this alleged account. I have repeatedly requested documentary proof, including a signed or authenticated credit application or contract, proof of identity used to open the account, and any evidence tying this account to me. No such documentation has ever been provided.

Despite the complete lack of validation, XXXX XXXX continues to furnish the account as verified, and TransUnion continues to update and maintain the tradeline as accurate. This conduct constitutes clear violations of the Fair Credit Reporting Act. Specifically, XXXX XXXX and TransUnion have violated 15 U.S.C. 1681e ( b ) by failing to follow reasonable procedures to ensure maximum possible accuracy ; 15 U.S.C. 1681i by failing to conduct a reasonable reinvestigation after receiving repeated disputes ; and 15 U.S.C. 1681g by failing to disclose the sources and underlying

documentation supporting the reported information. Additionally, the account is being reported with a balance exceeding the stated credit limit by more than 200 %, which is itself inaccurate, misleading, and damaging. Maintaining and updating an unverified account with an excessive balance further demonstrates reckless disregard for accuracy and compliance with federal law. 

XXXX XXXX continued furnishing of this account without validation, combined with TransUnions repeated acceptance and updating of the tradeline despite extensive notice, reflects ongoing noncompliance with the FCRA and has caused significant harm to my credit profile. This is not an isolated error but a pattern of continued reporting of unsubstantiated information after multiple disputes and regulatory complaints.

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 2025-12-27 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: PR

Complaint narrative:
A XXXX XXXX credit card account that does not belong to me is being reported on my credit file and has been maintained for months despite extensive disputes and notice of inaccuracy. I have disputed this account more than fifteen ( 15 ) times with XXXX  and Experian and have also filed three ( 3 ) prior complaints with the Consumer Financial Protection Bureau regarding this same account.

Throughout this entire process, neither XXXX XXXX nor XXXX  has ever produced a single document validating that I opened, authorized, or benefited from this alleged account. I have repeatedly requested documentary proof, including a signed or authenticated credit application or contract, proof of identity used to open the account, and any evidence tying this account to me. No such documentation has ever been provided.

Despite the complete lack of validation, XXXX XXXX continues to furnish the account as verified, and XXXX  continues to update and maintain the tradeline as accurate. This conduct constitutes clear violations of the Fair Credit Reporting Act. Specifically, XXXX XXXX and XXXX  have violated 15 U.S.C. 1681e ( b ) by failing to follow reasonable procedures to ensure maximum possible accuracy ; 15 U.S.C. 1681i by failing to conduct a reasonable reinvestigation after receiving repeated disputes ; and 15 U.S.C. 1681g by failing to disclose the sources and underlying documentation supporting the reported information.

Additionally, the account is being reported with a balance exceeding the stated credit limit by more than 200 %, which is itself inaccurate, misleading, and damaging. Maintaining and updating an unverified account with an excessive balance further demonstrates reckless disregard for accuracy and compliance
with federal law. 

XXXX XXXX continued furnishing of this account without validation, combined with XXXX  repeated acceptance and updating of the tradeline despite extensive notice, reflects ongoing noncompliance with the FCRA and has caused significant harm to my credit profile. This is not an isolated error but a pattern of continued reporting of unsubstantiated information after multiple disputes and regulatory complaints.

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 2025-12-27 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I financed a vehicle through Ally Financial in XX/XX/XXXX. The vehicle was later determined to be defective and was repurchased by XXXX XXXX XXXX pursuant to a California Lemon Law ( Song-Beverly Act ) settlement.

As part of that settlement, XXXX XXXX XXXX paid Ally Financial the full remaining loan balance directly in the amount of {$22000.00}, thereby satisfying the loan in full. The vehicle was surrendered as part of the manufacturer buyback. No repossession occurred, no repossession order was issued, and no deficiency balance existed.

Despite this, Ally Financial has reported the account to credit reporting agencies as a repossession and charge-off. I disputed this inaccurate reporting directly with Ally and provided documentation of the Lemon Law settlement and full payoff. 

On XX/XX/XXXX, Ally Financial concluded its investigation and responded in writing that my vehicle was repossessed and that the account was charged off as a loss, while simultaneously stating that the account was paid in full. These statements are contradictory and factually incorrect.

Allys investigation failed to correct the error and introduced false information, despite clear documentation showing a manufacturer repurchase and full payoff. Ally did not conduct a reasonable investigation as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) and continues to furnish materially inaccurate and misleading information to credit reporting agencies.

I am requesting that Ally Financial immediately correct or delete this tradeline to accurately reflect a manufacturer Lemon Law buyback paid in full, and to cease reporting any repossession or charge-off associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I demand that this bank immediately return the money I put as a guarantee on a credit card. The card has already been canceled, but they have been illegally withholding the money for two months. Therefore, I demand that my money be fully returned as soon as possible with the corresponding interest, and I also order that this bank compensate me for these inconveniences.

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