vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I made a {$520.00} purchase using PayPal Pay-in-4. The seller is located in XXXX. The item arrived defective, and I opened a dispute with PayPal. I provided photo and video proof. 

The seller refused responsibility and then instructed me to falsify a customs declaration by declaring the {$520.00} item as {$50.00} when returning it. I refused, as this is illegal. I informed PayPal of this. 

PayPal denied my dispute incorrectly, claiming the issue was a warranty problem, even though the defect happened within days and the device was never functional as advertised. I appealed the decision, and PayPal denied the appeal without reviewing the illegal seller request. 

PayPal then responded : Contact your bank to file a chargeback. My bank confirmed they can not do that because I paid XXXX dollarstwo attempted XXXX payments were reversed by my bank. 

PayPal refuses to acknowledge this contradiction. They say I paid the seller, which is untruePayPal paid the seller as part of the XXXX loan. PayPal is now demanding I pay the full {$520.00} even though the merchandise was defective and the seller acted illegally. 

I can not return the item because : The seller requires illegal falsification of customs value PayPal told me to pursue a chargeback that is not possible PayPal refuses to handle the dispute correctly I am requesting CFPB assistance to : Close and forgive the XXXX balance Prevent PayPal from sending me to collections Correct their mishandling of the dispute Acknowledge the illegal seller request that PayPal ignored I am willing to provide screenshots of : The sellers message requesting falsified customs value PayPals denial and appeal denial PayPals instruction to contact your bank for a chargeback The banks confirmation that no chargeback is possible I am seeking relief because PayPal has trapped me in a defective merchandise loan with no legitimate path to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FXXXX XXXX XXXX XXXX XXXX XXXX XXXX  which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-18 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/year>, U.S. Bank made an outbound marketing call offering a 4.00 % promotional APY on the XXXX XXXX XXXX account and explicitly told me I qualified for the 4 % rate. 

Relying on that representation, I applied on XX/XX/year>, opened the account, and deposited {$25000.00}. 

After approval, the rate was set at only 1.00 %. Between XXXX XXXX XXXX, U.S. Bank sent two emails with broken links to verify the 4 % rate, told me on XX/XX/XXXX that a back-office code would be applied to grant the 4 %, and then on XX/XX/XXXX reversed course and permanently denied the promotional rate. Branch employee XXXX XXXX was escalated to and offered no resolution. 

On XX/XX/year>, I filed a formal complaint by calling XXXX. The representative promised a response within 5 business days ( due XX/XX/year> ). As of XX/XX/year> now 3 business days past their own deadline I have received no response by phone, secure message, email, text, or mail. 

This is deceptive marketing and bait-and-switch. U.S. Bank represented that I qualified for the 4 % rate, induced me to open and fund the account, and then revoked the promised rate.

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 monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
A collection shows up on credit report from I C System with the original creditor being XXXX XXXX. I have never received written notice of this debt and have not had an account with 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 2025-11-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: MI

Complaint narrative:
I am submitting this urgent complaint because Sallie Mae has sent me a Final Default Notice dated XX/XX/year>, stating that my loan will default on XX/XX/year>. This imminent default is happening solely because of Sallie Maes repeated errors, misrepresentations, and mishandling of my in-school deferment, not because of borrower negligence. 

Sallie Mae admitted on a recorded call ( XX/XX/year> ) that they repeatedly sent me the wrong deferment forms. I completed and submitted the forms they gave me each time, believing they were correct. Sallie Mae never informed me that their system automatically rejects documents submitted as PDFs, despite their website instructing borrowers to upload PDF documents. This undisclosed system rule directly caused my deferment requests to fail. 

I am an actively enrolled student. My school has consistently verified my enrollment. Sallie Maes errors forced my loan into repayment prematurely, resulting in unaffordable monthly payments that exceeded my income. I repeatedly asked Sallie Mae for hardship, reduced payments, or any assistance program. Their representatives lied and told me no payment programs existed, which Sallie Mae later contradicted in writing to the CFPB by acknowledging I was offered programs. 

These errors pushed my loan into past-due status. Sallie Mae then reported negative credit marks that severely damaged my credit and also harmed my cosigner, XXXX XXXX, who has had a XXXX score for years. 

I have taken every step available, including sending a certified demand to XXXX XXXX XXXX XXXX XXXX and preparing a complaint for the Michigan Attorney General. Despite Sallie Mae acknowledging representative error, they refused to reverse the harm or stop the delinquency escalation. 

Now, Sallie Mae is using THEIR errors to push my loans into irreversible private loan default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
This CFPB complaint is submitted pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to require TransUnion to block and remove all information on my consumer credit report that is the result of identity theft. Under federal law, TransUnion must complete this blocking within four ( 4 ) business days of receiving this request.

I also want to reiterate that I am the rightful consumer associated with this credit file, and I am the individual submitting this complaint. Any claim or implication that this file does not belong to me, or that my identity can not be verified, is incorrect. I have provided valid identification and FTC identity theft documentation, which satisfies the requirements of the FCRA. 

The following accounts were not opened or authorized by me and are fraudulent XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, balance {$0.00} XXXX XXXX Opened XX/XX/XXXX, balance {$2200.00} These items are fraudulent, inaccurate, and harmful to my consumer report, and must be removed under my rights provided by the FCRA and FDCPA. 

I have attached the FTC Identity Theft Criminal Complaint # XXXX, which confirms these accounts and inquiries are the result of identity theft and fraud. I expect prompt action and written confirmation once these items have been blocked and removed within the 4-business-day requirement.

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 2025-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
My loans from the Navient Servicing lender was sold unfairly to the XXXX XXXX lender for no reason, which may be unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
Advantage / Loan Servicer Name Subject : Dispute of Inaccurate 120-Day Past-Due Reporting for Student Loans To Whom It May Concern, I am writing to formally dispute the reporting of 13 student loan accounts marked as 120 days past due. This information is inaccurate and does not reflect the actual circumstances of my account.

I was not contacted by phone, mail, or through any direct communication regarding payments becoming due. Email communication from your company was filtered into my spam folder, so I did not receive any notice that my loans were coming out of deferment or that payments were required.

I was unaware that I needed to begin making payments or enroll in an Income-Driven Repayment ( IDR ) program until I recently took action on my own. At no point did I receive clear or direct notification from your office. Because my loans were previously in deferment and I did not receive the required communication, the reporting of a 120-day delinquency is not accurate.

fairly correct the situation and accurately reflect my account history, I respectfully request the following actions : 1. Removal of all 120-day past-due marks from my credit reports for all 13 loans, due to lack of proper notice.

2. Retroactive administrative forbearance for the months claimed as delinquent, since I was not properly informed my loans were entering repayment.

3. Retroactive enrollment in an IDR plan, effective as of the date my deferment ended, to reflect that I would have enrolled had I been notified.

4. Corrected reporting to all credit bureaus showing the accounts as Current or In Good Standing.

5. Written confirmation once corrections have been completed and submitted to the credit bureaus.

These steps reflect a fair and reasonable solution based on the communication issues and the fact that I acted promptly once I became aware of the situation.

Thank you for your time and prompt attention to this matter. I am willing to provide any additional documentation if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Issue : Fraudulent Capital One Account Ending in XXXX Identity Theft & Credit Reporting Violations Summary : I am submitting this complaint regarding a fraudulent Capital One account ( ending XXXX ) that I have previously reported with a completed FTC Identity Theft Report and Police Report. 

On XX/XX/2025, Capital One sent a written statement to me and the CFPB confirming that they were not reporting this account to any credit bureaus while investigating the identity theft claim. Despite this, the account appeared back on my credit reports less than one hour later. All three credit bureaus confirmed directly that they did not reinsert the account, meaning the reinsertion originated from Capital One.

This constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ), including : FCRA 623 ( a ) ( 1 ) ( A ) Furnisher knowingly reporting inaccurate information FCRA 605B Failure to block an identity theft account FCRA 611 ( a ) ( 5 ) ( B ) Illegal reinsertion without notice False statement to a federal agency ( CFPB ) I have attached a full legal addendum with supporting evidence, including : FTC Identity Theft Report and Police Report Capital One letters and call evidence Proof of account deletion and reinsertion Reinsertion block letters to all three bureaus I request CFPB investigation and enforcement to ensure Capital One permanently blocks this account and ceases all reporting to CRAs. 


My uploads it will should it have been removed, two week ago I called and they said it will not be reporting they keep reporting this fraud account I remove it they add it back, I have proof of everything they are giving false statements to government agencies and to me about this fraud account I have video documentation of everything even them saying the dispute was completed and that it was a fraud account and should not be reporting and that it has been removed XX/XX/XXXX call aXXXX XXXX XXXX  saying what I stated above XX/XX/XXXX XXXX XXXX XXXX XXXXtating the same XX/XX/XXXX, XXXX XXXX also stating that it is not reporting and did come back that it is a fraud account and I have proof of the calls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to inaccurate late payment information on my credit reports and requesting that it be corrected to reflect my true payment history under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported on Experian as having a {$1200.00} balance with late payments listed as 30 days late in XXXX XXXX, 60 days late in XXXX XXXX 90 days late in XXXX XXXX 120 days late in XXXX XXXX  150 days late in XX/XX/XXXX, and 30 days late in XX/XX/XXXX, which is inaccurate. Another Experian account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a {$9100.00} balance * *, is incorrectly reported with 30 days late in XXXX XXXX 60 days late in XXXX XXXX 30 days late in XX/XX/XXXX, and 30 days late in XX/XX/XXXX. 
On Equifax, the accounXXXX XXXX XXXX XXXX XXXX XXXX is reported with 30 days late in XXXX XXXX  60 days late in XXXX XXXX, 90 days late in XXXX XXXX, 120 days late in XX/XX/XXXX, and 30 days late in XX/XX/XXXX * *, and the account XXXX * is reported with 30 days late from XXXX to XX/XX/XXXX and 30 days late in XX/XX/XXXX, which does not reflect my actual payment history. Similarly, on TransUnion, XXXXXXXX XXXX XXXX XXXX XXXX is reported as 30 days late in XXXX XXXX 60 days late in XXXX XXXX, 90 days late in XXXX XXXX 120 days late in XX/XX/XXXX, and 120 days late in XX/XX/XXXX * *, and XXXXXXXX XXXX  is reported with 30 days late in XXXX XXXX  30 days late in XXXX XXXX, 60 days late in XXXX XXXX  30 days late in XX/XX/XXXX, and 30 days late in XX/XX/XXXX, which is also inaccurate. 
These late payments are inaccurate, inconsistent, and unverifiable, in violation of FCRA 1681i ( a ), which requires you to investigate disputed information and correct or delete any information that can not be verified.

Additionally, FCRA 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint to inaccurate late payment information on my credit reports and requesting that it be corrected to reflect my true payment history under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported on Experian as having a {$1200.00} balance with late payments listed as 30 days late in XXXX XXXX, 60 days late in XXXX XXXX 90 days late in XXXX XXXX 120 days late in XXXX XXXX  150 days late in XX/XX/XXXX, and 30 days late in XX/XX/XXXX, which is inaccurate. Another Experian account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a {$9100.00} balance * *, is incorrectly reported with 30 days late in XXXX XXXX 60 days late in XXXX XXXX 30 days late in XX/XX/XXXX, and 30 days late in XX/XX/XXXX. 
On Equifax, the accounXXXX XXXX XXXX XXXX XXXX XXXX is reported with 30 days late in XXXX XXXX  60 days late in XXXX XXXX, 90 days late in XXXX XXXX, 120 days late in XX/XX/XXXX, and 30 days late in XX/XX/XXXX * *, and the account XXXX * is reported with 30 days late from XXXX to XX/XX/XXXX and 30 days late in XX/XX/XXXX, which does not reflect my actual payment history. Similarly, on TransUnion, XXXXXXXX XXXX XXXX XXXX XXXX is reported as 30 days late in XXXX XXXX 60 days late in XXXX XXXX, 90 days late in XXXX XXXX 120 days late in XX/XX/XXXX, and 120 days late in XX/XX/XXXX * *, and XXXXXXXX XXXX  is reported with 30 days late in XXXX XXXX  30 days late in XXXX XXXX, 60 days late in XXXX XXXX  30 days late in XX/XX/XXXX, and 30 days late in XX/XX/XXXX, which is also inaccurate. 
These late payments are inaccurate, inconsistent, and unverifiable, in violation of FCRA 1681i ( a ), which requires you to investigate disputed information and correct or delete any information that can not be verified.

Additionally, FCRA 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: QC HOLDINGS INC
State: AZ

Complaint narrative:
On XX/XX/year>, I submitted a complaint regarding a collection account being reported by QC E-SERVICES , INC . The company responded on XX/XX/year>, stating they could not identify me as a customer and were unable to verify or validate the reporting. However, this collection account is still appearing on my credit reports. 

I never received a signed contract, an itemized statement, or any proof that I owe this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), if a debt can not be validated, it must not be furnished to consumer reporting agencies. Despite their own admission that they can not verify the account, QC E-SERVICES, INC. has not taken steps to remove the account from the credit bureaus. 

I am requesting permanent deletion of this account from all credit reports ( XXXX XXXX XXXX XXXX ) due to failure to validate and continued inaccurate and unverifiable 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