vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I ported out my cell phone number and closed my account at the beginning of XXXX. I have called at least five times, gone into the store three times, and I am still being billed for this line. I can not even see the bill online because my account is closed so I don't have access. They even charged me a reconnection fee at one point. I am attaching my new cell phone and internet bills that started on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AZ

Complaint narrative:
I did not authorize this inquiry, nor did I initiate any application for credit with this company. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have expressly authorized are permitted to appear on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. Account name XXXX  XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account XXXX XXXX Account 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 non-monetary relief
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. Account name XXXX  XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account XXXX XXXX Account number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CreditNinja Lending, LLC
State: CA

Complaint narrative:
Today I went to pay off my loan with creditnija, website showed debit card option, debit card was input thinking XXXX time payment would be made for some reason card didnt go through went to remove card to try again however there was no option to remove card website stated to remove methods I needed to call support. I ended up adding a second card to pay off loan which was successful at no point did I agree to any terms or was I asked to check a box agree to terms XXXX. Called support to ask for payment methods to be removed support escalated situation to level XXXX XXXX named XXXX who stated they were not able to remove payment methods due to privacy acts and state and federal law, I explained I understood by taking my loan out initially my original payment method ( checking / savings ) could not be deleted however I recently added XXXX payment methods I wanted removed as I was not asked / nor did I agree to have these stored indefinitely she explained she could not remove them but could stop future payment I accepted this but requested information on copys of documents I agreed to as of today ( when storing debit card ) I wanted something stating I agreed to store this indefinitely and something stating I agreed to this never being able to be removed from credit ninja, they could not provide but said they would try and follow up. 

I did receive a confirmation to stop future payment on cards however I had concern for a payment that was recently precessed and just wanted XXXX card removed she stated payments were immediate and not pending which again states my loans were paid off so Im not understanding why the company can not remove my personal debit card 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Subject : Experian Failure to Provide 609 ( a ) ( 1 ) Full File Disclosure On XX/XX/year>, I submitted a certified FCRA 609 ( a ) ( 1 ) request to Experian, including my government-issued ID and proof of address. Experian received my identity documentationwhich is the same evidence already accepted in multiple CFPB complaintsbut has not mailed my full consumer file.

To date, Experian has only provided partial dispute results and reinvestigation letters. None of these satisfy the requirements of 609 ( a ) ( 1 ). I am entitled to a complete file disclosure, which must include : archived and suppressed data ACDV/AUD furnisher verification records investigation/dispute history inquiry logs fraud-alert/fraud-block history all vendor-system and internal-system data Experians failure to provide a complete disclosure violates both 609 ( a ) ( 1 ) and the 15-day deadline under 610 ( a ) ( 1 ). My identity documents fully complied with 12 C.F.R. 1022.123 ( b ) ( 2 ), and Experian never claimed otherwise.

This issue is separate from Experians previously documented 605B and 611 violations already on file. I am requesting immediate issuance of my complete 609 ( a ) ( 1 ) file disclosure and confirmation that Experian will comply with all FCRA requirements.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unauthorized inquiries are still showing up on my credit report today, which is causing me serious frustration. They were not removed after I refreshed my browser. I urgently need the documents I provided to be checked thoroughly so I never have to stress about this 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 2025-11-13 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: CA

Complaint narrative:
My original dispute for request for investigation into inaccuracies on report was sent out XXXX There has not been a response from the bureau. Under 15 U.S.C. 1681s-2, furnishers of information are prohibited from reporting inaccurate or incomplete data once notified of a dispute. Continuing to report this item without proper investigation or documentation violates federal law and my consumer rights.

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 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My original dispute for request for investigation into inaccuracies on report was sent out XXXX There has not been a response from the bureau. Under 15 U.S.C. 1681s-2, furnishers of information are prohibited from reporting inaccurate or incomplete data once notified of a dispute. Continuing to report this item without proper investigation or documentation violates federal law and my consumer rights.

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 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I bought a XXXX XXXX XXXX from a dealership in XXXX XXXX, UT in XX/XX/XXXX. Wells Fargo did the loan, and made it extremely difficult. I paid this loan off. Within week 1 and 2, one set of my keys and the purchasing paperwork was stolen. 

I ordered the replacement key. The service department, messes it up so the computer part has to be replaced. Last time, changed their mind with selling me the XXXX. I spent a lot of money on fees, taxes, accessories, packages, insurance, est. 

This is the second time, there has been a key issue with the same dealership. Now, the XXXX XXXX XXXX is in the shop as we speak. If I go in to pick it up this week and they do it again, then this dealership and it's service department should be punished. When it happens twice, it's knowingly or intentional, especially if they are the dealership that sold the XXXX to me in the first place.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year> at XXXX EST, I deposited $ XXXX cash into the Truist XXXX XXXX NC branch. The machine returned 2 {$5.00} bills, then ejected a receipt stating that the deposit could not be processed, and to call Truist. 

I immediately contacted the bank and filed a complaint. 

I also left 2 messages at the branch. 

Truist says they have no idea when their investigation will complete, nor will theybisdie a provisionsl credit despite holding an account in good standing for 18 years. 

There has been no deposit made to my 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Experian and TransUnion are reporting an inaccurate XXXX XXXX XXXX XXXX XXXX XXXX. Both bureaus show a balance of {$4900.00}. However, the lender informed me directly by phone ( XXXX at XXXX XXXX XXXX ) and in writing that the actual balance is {$5500.00}. I uploaded the lenders written statement confirming this. 

This means the information Experian and TransUnion are reporting is materially inaccurate and not verifiable under FCRA 1681e ( b ). I disputed the account with both bureaus, but they issued blanket verified responses without correcting or removing the inaccurate balance. No real reinvestigation occurred. 

XXXX, however, reviewed the same account and removed/corrected it to a {$0.00} balance on XX/XX/year>, confirming it could not be verified accurately. This shows clear inconsistency between the bureaus and proves that Experian and TransUnion did not contact the furnisher or follow FCRA 1681i requirements for a lawful reinvestigation. 

I am requesting CFPB assistance to require Experian and TransUnion to conduct a legitimate reinvestigation and delete this account since it has been shown to be inaccurate and unverifiable by both the lender and another bureau.

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 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I applied online for a payday loan and was approved on the XXXX of XXXX this year, and the funds were supposed to have been transferred into my account at XXXX XXXX but they were never transferred. Yet they are charging me for the loan that I never received. They tell they have taken this up with corporate, but they still refuse to give me the money they approved me for on the XXXX. I need help in either getting this loan deposited into my account or taken off as owed in my online account because I never received it. .The loan ID for this transaction is XXXX. I think this is a fraudulent matter that needs to be looked into!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal has unlawfully restricted my account and has been holding my funds since XX/XX/year>, without providing any factual evidence or specific justification. My account was permanently limited on that date, and as of today, my money has been withheld for almost three months. 

I fully complied with all verification requests. On XX/XX/year>, PayPal confirmed that they reviewed all documents I submitted, including : my government-issued photo ID, proof of shipping, invoices for transactions, and a written explanation of my business activity. 

Despite providing all required information, PayPal permanently limited my account and refused to release my funds. 

I have no disputes, no chargebacks, no complaints, and no negative balance on my account. I have never violated the User Agreement. 

PayPal claims that my account is connected to multiple accounts and high-risk or fraudulent activity, yet they have not provided : any names or details of these alleged accounts, any evidence of matched data ( device, IP, address, etc. ), any transactions considered risky, any explanation of the alleged risk, or any documentation supporting their accusations. 

These statements are vague, unsupported, and do not justify holding my balance. 

PayPal also informed me that I can not open or use any future PayPal accounts, without explaining the basis for such a permanent ban. This is unfair, damaging, and feels discriminatory. 

Because my funds are frozen, I have been unable to access my own lawfully earned money since XX/XX/year>, which has caused serious financial harm. I rely on these funds for my freelance work and daily living expenses, and PayPals actions have deprived me of income and financial stability for months.

PayPals claim of a 120-day hold is not supported by any demonstrated risk. They have provided no evidence, only general statements. 

I am requesting CFPB assistance to : 1. Require PayPal to release my funds immediately, without waiting the full 120 days.

2. Require PayPal to provide documented evidence supporting their claims.

3. Review the unfair, unsupported, and unexplained permanent limitation placed on my account.

4. Ensure that PayPal complies with consumer protection laws and the Electronic Fund Transfer Act ( Regulation E ).

PayPal should not be allowed to freeze or seize a consumers money without evidence, transparency, or due process. 

They are currently holding my balance of {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: U.S. BANCORP
State: UT

Complaint narrative:
I took out a mortgage loan through US Bank. It was originally paid off and then US Bank generated new loan paperwork and I just paid the loan off again. 

All the problems I am having with my loans are being autowithal from my US Bank. I need help.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NC

Complaint narrative:
RE : Dispute of JEFFERSON CAPITAL SYSTEMS COLLECTION ACCOUNT Unverified, Inaccurate & Legally Deficient To Whom It May Concern : I dispute the Jefferson Capital Systems account as it appears on my report. The reporting is inconsistent, incomplete, and unverified.

LEGAL BASIS FCRA 1681i Duty to Reinvestigate Jefferson Capital Systems has not provided : A signed contract A complete payment history Proof of legal assignment from the original creditor FCRA 1681b No Permissible Purpose Without Proof of Assignment Unless you provide legal documentation that Jefferson Capital owns this alleged debt, you are reporting without proper authorization.

FDCPA 1692e & 1692f Any reporting of an unvalidated or disputed debt is a violation. 

REQUESTED ACTION Immediately delete the Jefferson Capital Systems entry if it can not be verified per federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My fast report shows a {$110000.00} balance for my XXXX classes. We have a aggregate loan limit of XXXX and I have been cut off the program for over a year because I reached that limit now my XXXX report is showing that I owe {$110000.00} when I stopped at XXXX the print out shows that the loans from each school are added up and calculate it to exactly XXXX. The printer also shows that I have two duplicate loans one from slow loan company, and the other from the federal government. They should be the same loan and they have not been fixed. The problem has not been fixed yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AZ

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy.

The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I contacted company asking status of agreed settlement- they verbally told me. I verbally paid the remaining amount. When I asked for proof to provide mortgage lender and underwriting team they denied me, consistently. 

Failure of proof from company has delayed closing and added on fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion, Equifax and Experian are all reporting incorrect addresses and a suffix has been added to my day of " XXXX ''. I have disputed all the addresses and suffix in the past but nothing has been changed.

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 2025-11-13 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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