vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I, the undersigned, hereby declare that I am not liable for the alleged debts associated with the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX ). I have no contractual relationship with the collections agency attempting to enforce these claims. No executed, agreed-upon, or approved documentation exists between myself and said agency establishing any obligation to remit payment or acknowledge indebtedness. Despite my requests, the agency has failed to produce any valid contract or verifiable proof of debt as required by law. Furthermore, the collections agency is illegally reporting this information to credit bureaus without lawful authority or jurisdiction, in violation of applicable regulations. Accordingly, I dispute the validity of these claims and assert that I am not legally obligated to satisfy any such alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX XXXX  - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-09-14 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: OH

Complaint narrative:
I am filing this complaint because Experian Information Solutions , Inc. has engaged in willful violations of the Fair Credit Reporting Act ( FCRA ) by unlawfully re-inserting a previously deleted XXXX  XXXX account onto my credit file without compliance with federal law. 

Details of the Violation Account Information Creditor : XXXX XXXXXXXX Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Collection/Charge-off Prior Deletion This account was previously disputed and deleted from my credit file as inaccurate/unverifiable under FCRA 611 ( a ).

Unlawful Reinsertion Experian reinserted the account without providing the legally required written notice within 5 business days under FCRA 611 ( a ) ( 5 ) ( B ).

I received no notice whatsoever.

FTC Identity Theft Report I submitted an FTC Identity Theft Report, obligating Experian under FCRA 605B to block fraudulent/unverifiable information. 

Experian ignored this requirement and reinserted the account anyway. 

Damages As a direct result of this unlawful reinsertion, my credit score dropped more than XXXX points. 

This caused denial of credit, higher borrowing costs, reputational harm, and emotional distress.Violations of Law FCRA 611 ( a ) ( 5 ) ( B ) : Failure to notify consumer within 5 business days of reinsertion.

FCRA 605B : Failure to block fraudulent/unverifiable information after FTC Identity Theft Report.

FCRA 607 ( b ) : Failure to follow reasonable procedures to assure maximum accuracy.

15 U.S.C. 1681n & 1681o : Willful and negligent noncompliance with consumer protection 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 2025-09-14 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/year> -Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
Order placed XX/XX/year> Order # XXXX, which included XXXX for XXXX  XXXX Pocket Reference Guide Great Study Card for XXXX Interpretation - XXXX  and XXXX  Training Cardiac Rhythm Interpretation Made Easy Sold by : XXXX Concepts LLC XXXX Instead of receiving what I ordered as described beforehand, I received a tiny XXXX XXXX Badge also Sold by : XXXX XXXX  XXXX XXXX same company ). XXXX sent me 2 of the same item ( badge ) instead of the reference guide and the XXXX badge. Having not gotten the job that I would have needed these for, I returned them. I returned what the merchant sent me, using the QR code and shipping label provided by XXXX, and a refund was issued. They claimed that I did not return the correct item- I can't return the correct item when I didn't receive the correct item. When I initiated the return, I explained this to the representative. I disputed this with XXXX again after receiving a notice that I would be charged for it if I didn't return the correct item. A representative reviewed records and verified that it was in fact returned- what I had received and the refund was to keep. The refund was still reversed on my XXXX card, despite the verification and email. I disputed it again with XXXX XXXX. They denied my claim, despite all of the documentation and proof that I provided.

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 2025-09-14 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: MD

Complaint narrative:
Complaint XXXX I have reviewed the company 's response, and I disagree with their claim that this matter " may be fraud ''.

I am not a victim of fault or identity theft in this case. This is an accurate dispute under the fair credit reporting Act ( FCRA ). The information being reported is an accurate, and the company has not provided any supporting documentation to verify its validity.

I request that the CFPB Direct the company to provide : 1. Documentation verifying that this account/ information is accurate and belong to me, or 2. Immediate corrections or deletion of the inaccurate information, as required by FCRA The company 's vague reference to " possible fraud '' does not resolve my dispute and appears to be an attempt to avoid properly investigating. I asked that this matter to be reviewed with appropriate documentation.

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 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am writing to dispute certain inaccurate, unverifiable, and misleading information on my credit file as provided to me in my recent credit reports. This letter is a formal request under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. * *, for reinvestigation and deletion of the following accounts and notations : Collection : Credit Collections, Account # XXXX Charge-Offs : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX Reported Bankruptcy : XXXX XXXX XXXX XXXX  XXXX # XXXX Filed on XX/XX/XXXX ( if present, dispute as unverifiable without proper court documentation ) Negative Notations : including Late Payments and Derogatory Marks, that can not be verified with full documentation from the original creditor. XXXXXXXX XXXX Fin, Account # XXXX, Consumer Portfolio Services, Account # XXXX, Under * * FCRA 609 ( a ) * *, I have the right to request the method of verification used in reporting these items. Unless the bureaus can provide original, verifiable, and complete documentation from the original creditors ( signed contracts, payment histories, and assignment documents in the case of collections ), these accounts must be * * deleted immediately * *.

Additionally, under * * FCRA 602 ( A ) * * and * * 607 ( b ) * *, consumer reporting agencies are required to maintain maximum possible accuracy. Reporting unverifiable or incomplete information violates my rights and causes me direct harm.

Therefore, I am demanding deletion of these disputed items within * * 30 days * * as required by * * FCRA 611 ( a ) ( 1 ) ( A ) * *. If you can not provide proper documentation proving accuracy, you must remove these accounts from my report. 

Please send me written confirmation of the results of your reinvestigation, including an updated credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
On XX/XX/XXXX after a long exam to get my teaching license I received a phone call from my banks phone number. I had already experienced debit card fraud a couple weeks prior so I was frustrated when my back called me and told me I was part of another fraud warning. The person on the phone asked me security questions and told me they were transferring me to the fraud department. I talked to a gentleman for over an hour I lost the call a few times and everytime they called back it was my bank phone number. I verified the number each time. By time I was done with the call I had answered their questions and they took my money over {$4100.00}. I immediately called my bank back and reported fraud. My bank is denying my fraud claim and they took the {$4100.00} from me and they said there's nothing they can do about it. Now I can not pay my mortgage payment or all the other bills I have to keep my family safe and secure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank unfairly closed my new credit card account and erased my accumulated cash back rewards. 

When I applied, the card was advertised with [ 4 % ] cash back, and I earned approximately [ XXXX ] under those terms. Shortly after this card was issued, U.S. Bank changed the rewards rules for new customers, but existing customers were allowed to keep the original benefits. Instead of honoring this, the bank closed my account and confiscated my rewards. 

In addition, this card required me to maintain deposits of over {$100000.00}. I believe the banks practice was designed to attract large short-term deposits under misleading promotional terms, only to later close accounts and withhold rewards. 

Requested Resolution : Restore my cash back rewards ( [ insert amount ] ) or issue equivalent reimbursement, and provide a clear explanation for the account 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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : DEPTEDXXXX # XXXX -Balance {$4700.00} -Date Opened XX/XX/XXXX XXXX # XXXX -Date Opened XX/XX/XXXX XXXX  XXXX # XXXX -Date Opened XX/XX/XXXX XXXX XXXX XXXX  # XXXX -Balance {$140.00} -Date OpenedXXXX XXXX  # XXXX -Balance {$1100.00} XXXXDate OpenedXXXX XXXX # XXXX -Balance {$530.00} XXXXDate OpenedXXXX XXXX # XXXX -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccuracies in the reporting of my student loans. Specifically, for the months of XXXX and XXXX, my loans are being reported as late. This is incorrect. 

I applied for and was approved under the XXXX XXXX repayment plan through XXXX XXXX XXXX ( XXXX ). During this period, payments should have been reported as current or unknown, given the federal injunctions and payment pause that were in effect. 

I contacted XXXX, my loan servicer, and they acknowledged this error. They confirmed that these months should be reported as current or unknown and agreed to make the necessary adjustments. However, the credit bureaus have not updated my records to reflect this correction. 

I have attached/retained documentation, including the approval letter and related correspondence, to verify that my account should not reflect delinquency during this time. 

I respectfully request that the CFPB assist in ensuring that my credit report is corrected promptly, so that XXXX and XXXX are no longer shown as late, but instead as current or unknown in accordance with the agreement and federal guidance.

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccuracies in the reporting of my student loans. Specifically, for the months of XXXX and XXXX, my loans are being reported as late. This is incorrect. 

I applied for and was approved under the XXXX XXXX repayment plan through XXXX XXXX XXXX ( XXXX ). During this period, payments should have been reported as current or unknown, given the federal injunctions and payment pause that were in effect. 

I contacted XXXX, my loan servicer, and they acknowledged this error. They confirmed that these months should be reported as current or unknown and agreed to make the necessary adjustments. However, the credit bureaus have not updated my records to reflect this correction. 

I have attached/retained documentation, including the approval letter and related correspondence, to verify that my account should not reflect delinquency during this time. 

I respectfully request that the CFPB assist in ensuring that my credit report is corrected promptly, so that XXXX and XXXX are no longer shown as late, but instead as current or unknown in accordance with the agreement and federal guidance.

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 2025-09-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also 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, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

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 2025-09-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also 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, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: CT

Complaint narrative:
Attempted to send funds via XXXX, was told account required relinking. Attempted to add/verify/link etc multiple times, was told accounts could not be verified.

Contacted local bank where accounts are located, they stated zero issues on their end, no restrictions, etc. 

Contacted XXXX  after attempting to relink and add for approximately 6 hours. Could not reach live person on phone due to menus. Help section was AI, no way to get to live person. Went to app and followed vendor 's instructions to obtain help, did not match their own help files or directories. 

Finally found link to customer service app buried on 3rd level account screen, started chat and provided all information and screenshots, was told that I needed to use another bank. Was using same bank as before, no issues, FDIC insured and up to par. Told CSR that using another bank was not an option, requested escalation, got told to wait 24 hours for response. Requested escalation and assistance to obtain funds again, was told that I was not going to be escalated and told to wait 24 hours.

I asked, no escalation to resolve this issue to obtain/send funds? Was told issue was escalated. I asked for timeline and was told escalations at least 24 hours. No access to funds to receive/send.

Company response to consumer: Closed with explanation