vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX, I made a purchase for {$180.00} through XXXX for a customized wig advertised as XXXX  inches in length. The item I received was not as described, as the wig delivered was only XXXX inches in length. I contacted the seller promptly, and the seller initially approved a return and provided return instructions and a return address. I returned the item as instructed, and delivery to the seller was confirmed. After the seller received the returned item, the seller refused to issue a refund, stating that the item was customized. I then filed a dispute with XXXX and provided documentation showing that the seller authorized the return and received the returned merchandise. Despite this, XXXX denied my dispute on XX/XX/XXXX and again on XX/XX/XXXX and is continuing to assess a balance against me. As a result, the seller retains both the returned item and the funds, and XXXX has failed to resolve the issue despite multiple requests for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AR

Complaint narrative:
People are accessing my online mobile Bank altering information also going to Social Security and changing bank 's with forged power of attorneys this is my step sister XXXX XXXX and other people doing this the bank has let them do it also take my bonus with the smartly account no one has access to my banking are has control of any of my accounts or control of any of my financial affairs these people are the ones stealing my identity and should have something done about it prosecution and some kind of restitution cuz they're interfering with my bills being paid and me being able to eat and live therefore I'm homeless because of them in my bank accounts and the bank is letting them I don't know what the management is doing it's something needs to be done about them too cuz they are all should contact their customer to make sure this is accurate and I gave them permission and if I close my account and move it to another bank I need something done ASAP well I'm doing without food and shelter because of this please help me today

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 2025-12-25 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:
Verbiage for failure to block- The credit reporting agency has failed to fully comply with my formal privacy dispute and the supporting documentation I provided. While some accounts have been removed, several remain on my report despite my clear and written notice that I did not authorize their continued reporting and had formally revoked all consent under FCRA 604 ( a ) and the Gramm-Leach-Bliley Act ( GLBA ). 
These remaining accounts are being reported and transmitted without a valid permissible purpose, in violation of my federally protected privacy rights. Based on the unauthorized and non-consensual use of my personal identifying information, these items should have been permanently blocked or deleted under FCRA 605B, and I now request full compliance and confirmation of such.See attached

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 2025-12-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Verbiage for failure to block- The credit reporting agency has failed to fully comply with my formal privacy dispute and the supporting documentation I provided. While some accounts have been removed, several remain on my report despite my clear and written notice that I did not authorize their continued reporting and had formally revoked all consent under FCRA 604 ( a ) and the Gramm-Leach-Bliley Act ( GLBA ). 
These remaining accounts are being reported and transmitted without a valid permissible purpose, in violation of my federally protected privacy rights. Based on the unauthorized and non-consensual use of my personal identifying information, these items should have been permanently blocked or deleted under FCRA 605B, and I now request full compliance and confirmation of such.See attached

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 2025-12-25 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: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I am filing this complaint regarding Comenity Capital Bank XXXX XXXX XXXX reporting of a charged-off account. Prior to charge-off, I provided notice and documentation of medical hardship and loss of employment and requested assistance. 

No reasonable payment plan or hardship accommodation was offered before the account was charged off and reported negatively. This conduct violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and the duty to conduct a reasonable investigation under 1681s-2 ( b ). 

Further, proceeding with charge-off and negative reporting without hardship review constitutes an unfair servicing practice under the Consumer Financial Protection Act ( 12 U.S.C. 5531, 5536 ). 

I am requesting CFPB investigation and removal of any charged-off or negative information that can not be fully verified or that resulted from failure to offer hardship alternatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account was fully paid, but my file continues to show delinquency history please remove those inaccurate late payment entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Veros Credit, LLC
State: CA

Complaint narrative:
I recently purchased a vehicle on XXXX from XXXX XXXX XXXX in XXXX XXXX. The sales representative who sold me the vehicle is XXXX, and the manager is XXXX. I paid a {$3000.00} cash down payment to the dealership for a vehicle they claimed was financed. The finance company later confirmed that the loan was never approved or funded. 

Shortly after purchase, I discovered that the vehicle has serious transmission problems. I brought the vehicle to the dealership, and they sent me to a transmission technician. The technician confirmed that there is a problem with the vehicle, called the dealership, and then informed me that the dealership instructed him not to repair the vehicle. Despite the vehicle being under the dealerships 3-month/3,000-mile warranty, they have refused to address the issue, claiming it is not covered because the check engine light is not on. 

Due to the unresolved mechanical defects, I returned the vehicle. The dealership is now refusing to return my {$3000.00} down payment and falsely claims that I voluntarily surrendered the vehicle. Since no financing was approved, no valid contract existed. 

I am requesting that the C.F.P.B to investigate this matter, ensure the dealership complies with Californias used vehicle warranty laws, and help me recover my {$3000.00} down payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
I opened a line of credit with National Bank of Arizona for my new business, but with me as the sole personal guarantor. I submitted a complaint with the CFPB because despite multiple requests to receive signed copies of the documents I signed, NBAZ did not provide them. After my last CFPB complaint, I did finally receive the documents. However, NBAZ has been incorrectly charging me payments on this loan, in a matter which is inconsistent with the loan documents. Per the loan documents, my monthly payments of principal and interest are supposed to be {$1200.00}. However, for the last several months, NBAZ has only charged me interest and no principal, which has resulted in me paying more interest than I would have. I called the branch and asked for this to be corrected, but it doesn't appear to have been corrected and I'm unable to do so in online banking due to their extremly limited functionality. I would like NBAZ to correct my previous payments to reflect principal and interest, like they were supposed to, and adjust the interest paid to align with what is outlined in the loan documents. It feels very much that they're engaging in deceptive acts and practices and now it makes sense why they were trying so hard to avoid giving me copies of the 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
Consumer complaint received 2025-12-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely frustrated that unauthorized inquiries are still appearing on my credit report this morning. Even after refreshing my browser, they remain. I urgently request that the documents I submitted be reviewed in detail so I can finally stop worrying about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Wrong DOB and information. 
I accidentally used my mothers birth date instead of my own please regard this concern and fix it to my original birthday which is XX/XX/scrub>XXXX 

Sincerely XXXX XXXX XXXX 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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Inaccurate late payments are still showing up on my credit reports this morning, and I am extremely concerned. They were not removed when I refreshed the browser. I urgently request that the documents I provided be examined carefully so I no longer have to worry about these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
SETTLEMENT AGREEMENT AND UNLAWFUL COLLECTION On XX/XX/year>, I entered into a binding Settlement and Resolution Agreement with XXXX XXXX XXXX XXXX XXXX ( XXXX  ) regarding my Oportun account ( Account No. XXXX ), which fully and finally resolved all disputes related to this account. Under this agreement, XXXX expressly agreed to remove the account and all associated tradelines from all consumer reporting agencies, permanently cease all collection activity and contact, not resell, transfer, or reassign the account, and not pursue any legal action against me in the future. Despite this binding agreement, on XX/XX/year>, I received a collection notice from XXXX XXXX XXXX attempting to collect the same account, now allegedly owned by XXXX XXXX XXXX XXXX XXXX. This demonstrates a clear breach by XXXX XXXX XXXX : they either transferred or allowed the reassignment of a fully settled and extinguished debt or failed to enforce the settlement terms. The continued collection effort is unauthorized, deceptive, and unlawful. 

Legal Basis and XXXX  Law : XXXX XXXX XXXX actions constitute a violation of federal and state law, including : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, 1692f, 1692g, which prohibit collecting a debt that is not legally enforceable and using false, deceptive, or unfair means ; XXXX  XXXX Fair Debt Collection Practices Act ( XXXX. XXXX. XXXX XXXX et seq. ), which prohibits debt collectors from collecting debts they are not legally authorized to collect, or using misleading or unconscionable practices ; XXXX  XXXX XXXX XXXX, supporting enforcement of contract obligations, including the Settlement Agreement prohibiting resale, transfer, or reassignment ; and XXXX  Business & Professions Code XXXX ( UCL ), as XXXX  and XXXX  conduct may constitute unlawful, unfair, or fraudulent business practices. 

This complaint is solely submitted to enforce the existing Settlement Agreement and is not an attempt to dispute, reopen, or renegotiate the resolved debt. I am requesting immediate CFPB intervention to require XXXX XXXX XXXX to : XXXX. Enforce the settlement by instructing XXXX XXXX XXXX and any other third parties to immediately cease all collection activity. 
XXXX. Confirm in writing that no party has authority to collect or litigate this debt. 
XXXX. Ensure that no credit reporting or future collection attempts occur related to this resolved account. 
XXXX. Acknowledge and uphold their contractual promise not to sue or take legal action regarding this account. 

The actions of XXXX XXXX XXXX constitute a material breach of a legally binding settlement and a disregard for consumer protections under both federal and XXXX  law. Immediate regulatory action is necessary to prevent further violations and protect the integrity of the original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had a CareCredit account with a deferred-interest promotional balance. I made regular payments and was not clearly informed that the promotion was ending or that deferred interest would be added if the balance was not paid in full. I was not aware the promotion was ending, and I am unable to pay the balance in full, which has caused significant financial hardship. 

When the promotion ended, approximately {$1600.00} in interest was added at once, which has increased my minimum payments and additional fees, making it very difficult to keep the account current despite my efforts. 

I contacted CareCredit multiple times by phone to request a courtesy interest adjustment or hardship assistance, but was told no adjustment could be made. I am requesting a review by a higher-level resolution team, removal or reduction of the deferred interest, and reasonable payment assistance so I can keep the account in good standing. 

I am no longer using this card and am seeking to responsibly resolve and close the account once the balance issue is fairly addressed.

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 2025-12-25 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-12-25 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: MN

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-12-25 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:
Verbiage for failure to block- The credit reporting agency has failed to fully comply with my formal privacy dispute and the supporting documentation I provided. While some accounts have been removed, several remain on my report despite my clear and written notice that I did not authorize their continued reporting and had formally revoked all consent under FCRA 604 ( a ) and the Gramm-Leach-Bliley Act ( GLBA ). 
These remaining accounts are being reported and transmitted without a valid permissible purpose, in violation of my federally protected privacy rights. Based on the unauthorized and non-consensual use of my personal identifying information, these items should have been permanently blocked or deleted under FCRA 605B, and I now request full compliance and confirmation of such.See attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: FL

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.

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 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 2025-12-25 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: EQUIFAX, INC.
State: FL

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.

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 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 response to consumer: Closed with non-monetary relief