vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: Experian Information Solutions Inc.
State: AL

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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME XXXX XXXX  XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXXXXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an 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 2025-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME XXXX XXXX  XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXXXXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an 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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: MO

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
I am writing to dispute multiple errors arising from the transfer of my loan and the handling of my loan modification. These errors include : - The principal balance should have transferred at {$470000.00} but was instead recorded as {$510000.00}. 
- The new modification agreement reflects a balance of {$550000.00}, which far exceeds my calculated balance - Duplicate foreclosure fees have been assessed despite only XXXX foreclosure initiation. 
- A XX/XX/XXXX payment was never posted, resulting in an incorrect outstanding balance. 
I first notified them of these issues on XX/XX/XXXX I have received no corrected statement, no refund of duplicate fees, and no confirmation that my missing payment has been posted. 
- XX/XX/XXXX : Approved for modification by prior servicerterms included a principal balance of {$470000.00}, a reduced interest rate, and adjusted monthly payments. 
- XX/XX/XXXX : Loan transferred to your servicing portfolio ; the principal balance was incorrectly recorded as {$510000.00} instead of {$470000.00}. 
- XX/XX/XXXX : I made a timely payment of {$3500.00}, which was never applied. 
- XXXX XXXX : they issued a modification agreement showing a principal of {$550000.00}, increasing my interest rate and raising payments by {$630.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CFPB COMPLAINT ( Complainant ) : 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 Account Number : [ XXXX ] Complaint Narrative : I am filing this complaint against XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  for repeated violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

On XX/XX/XXXX, I sent a written request for validation of an alleged debt pursuant to 15 U.S.C. 1692g ( b ). Then again on XX/XX/XXXX, and then again on XX/XX/XXXX, and then again on XX/XX/XXXX, and then again on XX/XX/XXXX, and then again on XX/XX/XXXX, and once again on XX/XX/XXXX. The collector responded to all my requests, but failed to provide the required documentation ( original signed contract, full accounting, and unredacted chain of title proving ownership ). Instead, they sent generic computer-generated account statements and incomplete documents, over and over again. 

I sent a Final Demand for Proper Validation on XX/XX/XXXX, again pointing out the deficiencies. The collector responded with the same inadequate information and has continued collection activity. 

Their actions constitute ongoing violations of : 1692g ( b ) : Continuing collection activity without proper validation.

1692e ( 5 ) : Threatening litigation that can not legally be taken.

1692e ( 10 ) : Using false and misleading representations.

1692f : Engaging in unfair and unconscionable practices.

1692d : Harassing me through repeated threatening letters.

I have sent all correspondence via Certified Mail with Return Receipt and have retained copies of their responses. Despite this, the collector continues harassment and refuses to provide lawful validation. I will to provide ALL documentation in my FDCPA Violation log, as well as saved letters received and sent upon your request.

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 2025-08-26 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: FL

Complaint narrative:
I'm writing here hoping we can resolve this issue. I was victim of a Fraud on XX/XX/scrub>XXXX  and my bank Wells Fargo is not solving and investigating about it. I called wellsfargo because I received an alert on my phone for a purchase of {$2400.00} by XXXXXXXX XXXX XXXX XXXX and while on the phone with the agent another transaction of {$82.00} by XXXX XXXX XXXX. I called the bank to stop the transaction and let them know that it wasn't being me, and to replace my card because apperently it was duplicated or something because I didn't lost it at the time. I had the card with me, however I was at home and have proof the I was home for my security cameras. Also I called them cuz the transactions normally take a while to post, and I assume that as a bank they would be able to stop it right away and reject the money to come out from my account. However according to them the claim was denied because the merchant reported the card inserted and they consider it couldn ; t be a fraud. There is not receipts with my signature shown to me, security video tape, ID provided with my information and apperently the Fraud department for the bank don't go further ininvestigations. They will relay on what XXXX reports. I'm being affected now, and money is being taken even thought I called right on time the transaction was ocurring.I 've been calling everyday for resolution on the escalation I did to their executive office, but nothing they will do. Please help me how to report this fraud and such a horrible work form Wellsargo which definetely does not care about their consumers.

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 2025-08-26 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: SC

Complaint narrative:
I am filing a formal consumer complaint against PayPal Holdings , Inc. for mishandling my funds and refusing to properly credit an erroneous payment reversal, resulting in financial loss to me. 
Timeline of Events : On XX/XX/scrub>XXXX XXXX XXXX I authorized a transaction for {$250.00} via XXXX XXXX XXXX. The amount was immediately withdrawn from my PayPal account, but XXXX confirmed the transaction was never finalized and they never disbursed the funds. 
On XX/XX/year>, I authorized a second transaction for {$160.00} via XXXX, which was successfully completed. My intended recipient collected the money, and PayPal deducted this amount from my account. 
Problem : PayPal maintains that both transactions ( {$250.00} and {$160.00} ) were credited back to my account. 
This is demonstrably false. While the {$160.00} was completed and received, I can not have that amount both remain with the recipient and also have been returned to me. 
Furthermore, there is no documentation in my PayPal account showing that {$250.00} was ever credited back. Other refunds and reversals appear clearly in my transaction history, but no such record exists for this transaction. 
XXXX states they never received the {$250.00}, while PayPal claims it was both withdrawn and refunded, leaving me without my money. 
Harm : I am currently out {$250.00} which was removed from my PayPal account on XX/XX/year>, but never provided to the recipient and never returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: LEXISNEXIS
State: CO

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ

Complaint narrative:
The collection account ( s ) being reported on my credit file are inaccurate, incomplete, and unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681s-2 ( furnishers duty to provide accurate and complete information ). The furnisher has failed to provide documented proof of ownership, a full chain of assignment, and records validating the debt pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the data being reported is nonMetro 2compliant, containing inconsistencies in dates, balances, and account status across all three major credit reporting agencies. This is an ongoing violation that continues to cause measurable harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
On XX/XX/year> I submitted a request for a new IDR repayment plan, since I was received an email stating that the SAVE Plan will run out next year and it would be best if I submitted for a new payment plan. Especially since interest will start hitting my loan again. 

I then received a notification that my request was denied because of my income. I then spoke to an Agent on the Aidvantage website chat and they said that I do not qualify for an IDR because of my income and that they were submitting for an approval of XXXX. I then received a notification that this was denied and I had XXXX payments remaining once the SAVE Plan ends of {$100.00} and XXXX final payments of over {$35000.00} each. I could not conceive a way to make those payments, so I reached back out to the Agent on the Aidvantage website to get a new payment on XX/XX/year>. They said they were then submitting a regular monthly payment of {$360.00}. They then informed me that they were cancelling the request and submitting a request for my loan to be researched since my " Loan Forgiveness Date '' was actually XX/XX/year> ( 6 months ago ). They informed me I will get notified that the research should be complete with my loan potentially forgiven on XX/XX/year> or I can call the week of XX/XX/year>. 

I did not believe this since it was never brought up before and was never made aware of my Loan Forgiveness date, so about XXXX minutes later I called to confirm with an Agent at Aidvantage on the phone on XX/XX/year>. The Agent looked in to the request and confirmed that there was a request to research my loan information and potential forgiveness as the date of the loan to be forgiven was XX/XX/year>. She congratulated me on the potential good news. 

I followed up the morning of XX/XX/year> and called Aidvantage to see what the status of the research in to my loans ' forgiveness. I was informed by the agent that this was a horrible mistake as they can not see the forgiveness date and it is not showing on their end as the payment counter is not available. She stated this never should have happened and I needed to reach out to the Federal Student Aid organization on the loan forgiveness, not Aidvantage. 

This is extremely disheartening and crushing as someone who has been paying on their loan for almost 18 years and never missed a payment to get the great news and even congratulations from an Agent that my loan will most likely be forgiven. I don't expect it to be forgiven, I was just doing my due diligence to call in and get a fair monthly payment to continue paying on my loan and have been absolutely devastated my their mistake and misinformation. 

I do hope something can be done about this and it doesn't happen to another person who is just doing the right thing to try and pay back their loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a formal dispute regarding an unauthorized account that has been reported under my credit profile. I have no association with this account, and I never authorized its creation. Its inclusion is false and continues to cause harm to my creditworthiness.

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 2025-08-26 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: NV

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2025-08-26 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: NC

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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