vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or accounts or to view my credit report. In addition, I did not permit transUnion or Equifax or Experian permission to furnish this incorrect information on my credit report this violation of the fair credit reporting act section 1681b ( c ) constitutes fraudulent activity, and a serious breach of my privacy rights i am requesting that this account to be removed within 4 business days, Please remove these inquiries from my report XXXX XXXX XXXX XXXX please remove this fraudulent account and activity from my account

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: Experian Information Solutions Inc.
State: OH

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i do not know who this is and i have never done business with them i haev called and they can not pull up any account with my number they violated the fair debt collection practices act by asing me for my entire social secuity number on the phone ive asked for veification and they cant even tell me what number or home address they have for this account they have called my family members several times harrising them saying somwone needs to pay or i will go to XXXX  XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) TransUnion XXXX  Equifax Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/year> XX/XX/year> Balance : {$2400.00} {$2400.00} No. of Months ( terms ) : - - High Credit : {$2400.00} {$2400.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/year> XX/XX/year> Comments : Placed for collection Subject has not satisfied debt. 
Date Last Active : XX/XX/year> XX/XX/year> Date of Last Payment : - -

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint with Experian regarding inaccurate collection accounts on my report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved. I request an immediate investigation and removal of these items as they are incorrect and hurt my credit.

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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: One Source Technology
State: MI

Complaint narrative:
I am submitting this complaint regarding the continued reporting of an eviction and alleged balance related to a landlord-tenant account that is inaccurate, misleading, and unlawful. 

The landlord failed to maintain the property in a habitable condition, including unrepaired water damage, moisture intrusion, and related conditions that materially affected the livability of the unit. These conditions were reported to the landlord, yet repairs were not timely or properly completed, in violation of state habitability and maintenance requirements. 

Despite the landlords material breach of the lease, they have reported an eviction and balance owed to consumer reporting agencies and tenant-screening databases. This reporting is improper and should not exist for the following reasons : Key Violations XXXX. Unlawful Reporting of a Balance Any alleged balance is disputed and invalid, as the landlord failed to meet basic habitability obligations. 
Charges stemming from an uninhabitable unit are not legally collectible. 
Reporting a balance under these circumstances constitutes inaccurate and misleading information. 

XXXX. Improper Eviction Reporting The eviction reporting does not reflect the true nature of the tenancy dispute, which arose from unresolved maintenance failures and water damage. 
An eviction connected to landlord non-compliance should not be reported as a consumer default. 
Reporting an eviction without full context or legal basis is materially misleading to future creditors and housing providers. 

XXXX. Failure to Conduct a Reasonable Investigation Disputes were submitted, yet the reporting party failed to properly investigate or correct inaccurate data. 
Continued reporting after notice of dispute violates the duty to ensure maximum possible accuracy. 

XXXX. Violations of the Fair Credit Reporting Act ( FCRA ) The landlord and/or reporting entity violated : 15 U.S.C. 1681s-2 ( a ) Furnishing information known to be inaccurate 15 U.S.C. 1681s-2 ( b ) Failure to reasonably investigate disputed information 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy XXXX. Consumer Harm This inaccurate reporting has caused : Denial of housing Financial hardship Emotional distress Ongoing reputational and economic harm

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate payments\nClosed\n\nAccount info\nAccount nameXXXXAccount numberXXXXOriginal creditor\n-\nCompany sold\n-\nAccount type\nSecured Loan\nDate openedXXXX XXXX XXXXOpen/closed\nClosed\nStatus\nPaid, Closed.\nStatus updatedXXXX XXXXBalance\n-\nBalance updated\n-\nOriginal balanceXXXXMonthly payment\n-\nLast Payment DateXXXX XXXX XXXX Months\nResponsibility\nIndividual\nYour statement\n-\nPayment XXXX\nCurrent / Terms met\nCLS\nClosedXXXX XXXX XXXX days\n-\nData Unavailable\nContact info\nAddresXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPhone numberXXXX XXXXComments\n-\nbureau-logo\nPrepared For XXXX XXXX XXXXDate generated: XXXX XXXX XXXX XXXX XXXX XXXX XXXXClosed\n\nAccount info\nAccount nameXXXX XXXX XXXXAccount numberXXXXOriginal creditor\n-\nCompany sold\n-\nAccount type\nSecured Card\nDate openedXXXX XXXX XXXXOpen/closed\nClosed\nStatus\nAccount charged off. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXStatus updated\nDec XXXXBalance updatedXXXX XXXX XXXXCredit limitXXXXMonthly payment\n-\nLast Payment DateXXXX XXXX XXXXPast due amounXXXX XXXXTerms\n-\nResponsibility\nIndividual\nYour statement\n-\nPayment historyXXXXCurrent / Terms met\nCO\nCharge off\nND\nNo data for this period\XXXX\nPast due XXXX  days\XXXX\nPast due XXXX  days\XXXX\nPast due XXXX  days\XXXX\nPast due XXXX  days\XXXX\nPast due XXXX  days\n-\nData Unavailable\nContact info\nAddressXXXX XXXX XXXX XXXX XXXX XXXX XXXXPhone number\XXXX XXXXComments'

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, I made a purchase with XXXX XXXX XXXX, XXXX using PayPal Pay in XXXX for a total transaction amount of {$140.00}. A portion of the order, specifically makeup powder puffs and a XXXX XXXX charge totaling {$23.00}, was never delivered to my apartment. 

The carrier marked the package as delivered to my building, but it was not delivered to my apartment unit, even though my full address included my apartment number. Instead, the package was left in an unsecured mailroom, despite posted management signage instructing carriers not to leave packages there. I did not authorize delivery to a shared or unsecured area, and no signature was obtained. 

As a result of this improper delivery, the missing items were taken before I could retrieve them. I never received those items. 

I contacted XXXX immediately and requested a refund or replacement for only the missing items. During multiple communications, one XXXX representative confirmed that a refund would be issued, but this was later reversed by another representative, who refused to refund or replace the items and instead demanded unreasonable documentation, such as verification from building management. 

Because XXXX refused to resolve the issue, I escalated the matter to PayPal under Item Not Received ( PayPal Case ID XXXX, reported XX/XX/year>XXXX  ). I provided extensive evidence, including screenshots of XXXX  contradictory statements, proof that the package was not delivered to my apartment, and documentation showing the unsafe delivery location. 

Despite this, PayPal closed the case on XX/XX/year>, solely because the seller stated the item was delivered, without evaluating whether delivery was completed to a secure and authorized location. PayPal required me to continue paying the XXXX in 4 installments even though I did not receive the disputed items. 

PayPal failed to properly investigate the dispute and relied only on a delivery scan rather than whether the merchant fulfilled delivery to the customer as addressed. I am now being required to pay for items I never received due to improper delivery. 

I am requesting that PayPal reopen the dispute, conduct a proper review of the delivery failure, and issue a refund of {$23.00} for the undelivered items.

Company response to consumer: Closed with 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: OH

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: OH

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: UT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MoneyLion Inc.
State: MA

Complaint narrative:
The Current Problem, Going Forward Is That I Tried To Make A Transaction, I Got Nofication Of The Transaction Through A Pop Up Message. I Than Looked At My Transactions History, An No Receipt Of Transaction. I Contacted The Bank Money Lion App VIA Phone Number, They Sent Me A Email On Instructions To Access The Transaction History, I Did The Steps They Advised. Then I Realized The Bank Lied To Me, I Requested To Delete My Account, They Denied To Do So. I Disposed Of The Card That I Reported To Them As Damaged.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Today I received a bill for {$2.00} from this bank. My account was paid in full early on XX/XX/XXXX before the due date of XX/XX/XXXX. As per the enclosed statement, I paid {$88.00} which paid the account in full. This bank chose to close my account and is attempting to collecting money they are not owed now that I have paid the account off. They are trying to charge a fee on a zero-balance account and that is fraud. In addition to reporting here, a complaint will be filed with the FTC.

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: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: KY

Complaint narrative:
I received a XXXX XXXX XXXX with funds loaded. The card will not activate. Customer service repeatedly disconnects my calls and will not allow me to speak to a representative. I am unable to access my money and request immediate refund or account resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My account was closed and my money was never sent to me and its been years please help me I need my funds issued to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX  was contacted on XX/XX/XXXX regarding individual XXXX XXXX ( image attached ). XXXX XXXX has scammed me out of {$63.00}. In exchange for ~ {$60.00}, XXXX agreed to drive me to/from work. He agreed to refund me after requesting more money. XXXX has since blocked me after claiming he would refund me. Fraud is defined as an intentional misrepresentation of a material provision of a contract. Here, XXXX has taken my {$63.00} but is now refusing to drive me or refund me. 

XXXX  has yet return my money despite what is clearly fraud. Note that I selected XXXX  business, so that I would incur no liability in the event of fraud ( not a friend to friend payment ). Case is ID XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting this complaint regarding Wells Fargo Banks improper handling of a disputed transaction and its reversal of my provisional credit without providing evidence or a legally sufficient explanation. 

I timely reported an unauthorized transaction on my Wells Fargo account. Wells Fargo issued provisional credit, indicating that it was unable to complete its investigation within the required timeframe. However, Wells Fargo later reversed this provisional credit without providing proof, documentation, or a clear explanation supporting its determination, causing my account to go into the negative. 

To date, Wells Fargo has failed to provide : Evidence supporting its conclusion Documentation showing how the transaction was authorized A legally sufficient written explanation justifying the reversal Proof that its investigation complied with Regulation E requirements Under the Electronic Fund Transfer Act and Regulation E ( 12 CFR 1005 ), financial institutions are required to conduct a reasonable investigation and, if provisional credit is reversed, provide a written explanation and supporting evidence. Wells Fargo has not met these obligations. 

I believe Wells Fargos actions constitute : Failure to conduct a reasonable investigation Improper reversal of provisional credit Violation of Regulation E consumer protections Unfair and deceptive banking practices I am requesting that the CFPB require Wells Fargo to : 1. Provide full documentation supporting its decision, and 2. Reinstate the provisional credit pending a proper investigation, or permanently credit the account if compliance can not be demonstrated.

I have suffered financial harm due to Wells Fargos actions and am requesting regulatory review and corrective action.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with explanation