vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I am filing a complaint regarding PayPals XXXX payment terminal and the lack of effective customer support to resolve a device lockout that has disrupted my ability to process transactions. 

My XXXX Terminal suddenly displayed a Security Alert, Code XXXX, Sensors : XXXX  message. This indicates that the internal tamper sensor triggered. When that happens, the device permanently locks and can not be reset by the user. I contacted XXXX support multiple times and received inconsistent information, repeated transfers, and no clear resolution. 

XXXX own documentation states that a tamper-locked device must be replaced. Despite providing the serial number, error code, offering photographs of the device, and proof of purchase, I have been unable to obtain the replacement terminal I need to continue accepting payments. 

This device is essential for my business. The failure to provide a functioning terminal, clear support, or timely guidance has caused financial loss and operational disruption. I am requesting CFPB assistance to compel PayPalXXXX to : XXXX. Acknowledge the tamper lock and confirm the device can not be restored XXXX. Provide a replacement terminal without additional cost or delay XXXX. Offer clear written instructions and a direct support contact to prevent future runarounds I have made good-faith efforts to resolve this with the company and have documentation of the device error, serial number, and all communication attempts. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is continuation of complaint XXXX. 

Bank of America 's representative- XXXX XXXX - called and left a voicemail to contact her on XX/XX/XXXX. I called back on XX/XX/XXXX and left a voicemail. I specifically requested that if she calls back and I'm not available to leave a time she will call back or give me a time to call back to prevent further phone tag. She called back later that day and left an identical message she left originally ; my request was ignored. I called back today and got her XXXX again. 
I need a resolution to my request for hardship and it's urgent. I don't have the luxury of time to play phone tag. If phone isn't convenient, I'd be happy to communicate via secure email. 
There was an email sent indicating that if I can't be reached an email will be sent, but nothing was received.

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 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Account Name THD/CBNA XX/XX/year> I have a claim # with Home depot # XXXX I went to check my mail, and someone has used my personal information to apply for a new credit card. The credit line amount is {$8000.00} and they purchased {$1100.00}. I am also filing a police report. 

Collection details XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX - Collection amount {$800.00}. 
XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX - XXXX amount {$410.00}. 
When I pulled my credit report, I noticed these XXXX accounts that were open on XXXX, XXXX. I added it to the police report.

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 2025-12-02 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: NC

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint because the following information being reported by Experian is inaccurate, incomplete, and harming my credit profile. I am requesting a full investigation and correction. 

CHARGED OFF ACCOUNTS IN DISPUTE XXXX  Acct : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/year>, Balance : {$1100.00} XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/year>, Balance : {$8700.00} LATE PAYMENTS IN DISPUTE XXXX  XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX Acct : 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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge 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: U.S. BANCORP
State: IL

Complaint narrative:
Fidelity Visa ( Elan Financial Services ) is incorrectly processing domestic merchandise purchases as cash advances. I purchased XXXX solar equipment from XXXX, shipped from XXXX warehouses ( CA, NJ ) via XXXX. These legitimate purchases were coded as " cash advances '' with " quasi cash merchant '' category, resulting in fees and high-interest charges. 
Critical evidence : On XX/XX/year>, Fidelity correctly coded a {$30.00} XXXX transaction as " Purchase - Men 's and women 's clothing stores. '' On XX/XX/year>, they coded a {$450.00} XXXX transaction as " XXXX - XXXXXXXX XXXX XXXX '' Same merchant, same transaction type, inconsistent coding. 
I called XX/XX/year> ( confirmation XXXX ). Rep stated " that is just how XXXX is processing '' and admitted " you're not the only person who's had to deal with this. '' They waived fees only after protest but refused to reclassify transactions or waive interest, claiming they " can't do anything because of how XXXX bills it. '' I am returning one {$450.00} item - you can not " return '' a cash advance, proving this was merchandise. I lost 2 % cash back ( {$21.00} ) and was forced to pay entire balance ( {$1500.00} ) immediately to stop interest accrual.

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 2025-12-02 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: FL

Complaint narrative:
XXXX XXXX XXXX Account ending in XXXX In Accordance with the fair credit act XXXX XXXX XXXX Account # ending in XXXX has violated my rights. 

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting 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 2025-12-02 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: NJ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: INTERNAL CREDIT SYSTEMS, INC
State: MN

Complaint narrative:
Screaming and yelling into the phone using profanity. Very unprofessional and should Be put out of business there are so many complaints on the XXXX  and if you go and read the complaints he sits there and swears and argues back on the XXXX  website I tried to have an civilized conversation with him and was met with extreme hostility. This company needs to be shut down. After threating me with legal fees after I missed his call then called him back complete jerk

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I sent a certified FCRA XXXX direct dispute to Self Financial/LXXXX XXXX regarding the credit builder account they are reporting on my credit file. In my dispute, I requested full validation of the account, including the original signed application, the complete payment history, itemized accounting, and proof that the account information is accurate, complete, and legally reportable. USPS tr
acking confirms the dispute was delivered, but Self FinancialXXXXXXXX XXXX failed to respond within the required 15-day timeframe under FCRA 623 ( b ). They did not provide any documentation, verification, or investigation results. 
Despite receiving my direct dispute, the company continues to report this account to the credit bureaus without verifying the accuracy of the information. This violates : FCRA 623 ( a ) : Duty to report accurate information FCRA 623 ( a ) ( 8 ) : Duty to respond to direct disputes FCRA 623 ( b ) : Duty to investigate and validate disputed information I am requesting CFPB assistance because the company is reporting unverifiable information, failed to respond to a lawful dispute, and did not conduct a reasonable investigation as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I dispute this OPORTUN tradeline because it contains inaccurate and conflicting remarks. 

1. Data Error : It incorrectly reports the remark " Purchased by another lender '' twice, which is a clear duplicate entry error.

2. Contradictory & Misleading Information : The combination of " Profit and loss write-off '' and " Purchased by another lender '' is contradictory and misleading. It inaccurately suggests the account is both charged off and still an active obligation with the original creditor, when the 'purchased ' remark confirms the debt has been sold. 
XXXX. Obsolete Status : This original creditor account is obsolete. The continued reporting of this stale, charged-off account by OPORTUN does not reflect the true, resolved status. 

Please conduct a reasonable investigation pursuant to the FCRA. The tradeline must be corrected to show a {$0.00} balance with accurate, non-duplicative remarks, or deleted entirely to ensure my credit report is fair and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: AL

Complaint narrative:
I am a consumer requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these accounts with each credit bureau individually. Under the Fair Credit Reporting Act ( FCRA ), please verify all information and remove any item that can not be fully validated. 
Charged Off Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$970.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payments : XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-12-02 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 have no knowledge of these inquiries, and they seem to be both unauthorized and potentially fraudulent. I kindly request swift action to address this issue. Supporting documents are attached for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Issue : Unauthorized Credit Card Transaction Apple Card Refusing to Remove Fraudulent Charge I am filing this complaint because Apple Card ( Goldman Sachs / Apple Card Services ) is refusing to remove a {$3000.00} fraudulent charge made on my account on XX/XX/year>, even after I provided complete evidence that the transaction was unauthorized. 

My name is XXXX XXXX XXXX. I added my son, XXXX XXXX, as an authorized user because he is a student and uses the card when needed. On XX/XX/year>, XXXX was walking outside when he unknowingly came into contact with individuals using a wireless skimming device capable of capturing credit card information. He had no interaction with these individuals other than being physically bumped into, and he was unaware that his card information had been stolen. 

On XX/XX/year>, we discovered a {$3000.00} transaction on my Apple Card that neither of us made or authorized. 

Immediately after discovering this fraudulent charge, we took all required steps : Filed a police report documenting the credit card information theft. 

Reported the fraud to Apple Card the same day, and they instructed us to dispute the transaction. 

Provided the police report and all requested information to Apple Card. 

Apple Card representatives informed us they were able to obtain information identifying the individual who made the fraudulent {$3000.00} transaction. 

Despite this, Apple Card has denied removing the charge and is attempting to hold me financially responsible for an unauthorized transaction. This is in direct violation of the Fair Credit Billing Act ( FCBA ), which protects consumers from liability for charges they did not authorize.

This is a clear case of credit card fraud. Neither I nor my authorized user made this transaction, approved it, or benefited from it in any way. We followed all required procedures and provided evidence, yet Apple Card refuses to honor their legal obligation to remove the fraudulent charge.

I am requesting the CFPBs assistance to : Require Apple Card to remove the {$3000.00} fraudulent charge Remove any related interest or fees Correct my account to reflect accurate and lawful billing Ensure Apple Card complies with FCBA protections for unauthorized transactions I have acted promptly, in good faith, and with complete documentation. Apple Cards refusal to correct this fraudulent charge is unfair, unlawful, and harmful. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: AK

Complaint narrative:
I am submitting this complaint because the following accounts and inquiries are being inaccurately reported on my Experian credit file. As a consumer trying to fix my credit, I am asking for a proper reinvestigation. These items do not match my records and may contain errors. 

Charged Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$870.00} XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$360.00} Inquiries in Dispute XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments in Dispute XXXX 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