vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I disputed a charge with a transaction posting date of XX/XX/year> for {$390.00} on XX/XX/year> for items purchased from XXXX XXXX. The bank requested additional information from me about the dispute on XX/XX/year> via written letter via XXXX snail mail even though they had previously communicated with me via email. I was on vacation, back to back work trips, another vacation and had an illness and did not see the letter until XX/XX/year>. I called the customer service phone number at the bank in XX/XX/year>, was informed the udispute had been closed but could be reopened give my circumstances, and was provided an email address with instructions for how to submit the requested information. On XX/XX/year> I submitted the evidence verifying reasons for the dispute to be ruled in my favor. I then received several emails and letters that were contradictory. I called the bank and was assured my documents had been received and the dispute was being investigated. This went on until XXXX, I called again, was told the dispute was closed and nothing could be done. I believe from my interactions with customer service and from the emails and letters that I received, that my dispute was not properly investigated. The communciations were sporadic, contradictory, confusing, and this whole dispute process was purposely made difficult and I was given the run around. I am insisting on my {$390.00} returned to me due to the bank 's poor customer service, negligence, and improper handling of the dispute investigation.

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 2025-11-10 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-10 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo processed a wire transfer in XX/XX/year>, without XXXX information that they have published in their policy on their own website. 
The transfer should have been rejected as the required information was not sent on this wire, THEY list on THEIR website in their own policies and THEY CONFIRMED IN WRITING that all of that information was needed in order for them to process a wire. 
There are multiple open police reports and a state police detective working this case due to fraud/scam and yet Wells Fargo continues to avoid responsibility, closes complaints without answering questions asked, deflects blame, continually responds saying they have answered the questions when in fact they have not at any time and continue to skate around questions/concerns without answering. 
They have instructed the XXXX Police detective to send subpoenas to the address they give and when it is sent and received by them, they change where it should be sent. This has now been done XXXX times and the detective is now on his fourth subpoena after being redirected multiple times by Wells Fargo XXXX XXXX XXXX. They are providing no assistance and continually avoiding answers and help with this. 
After repeatedly sending the screenshot to them of their own policy on their own website, they avoid this issue and close the complaints each time. 
Trying to get someone to assist with this at Wells Fargo is next to impossible as they continually shift to another department, employee, location without ever addressing the issue at hand. 
They processed this wire with no relevant information, no required fields and refuse to help with where/who this money was paid to even though it went directly to Wells Fargo to process. 
Extreme lack of responsibility and customer service, ignoring complaints, ignoring police subpoenas for information, closed open complaints by only again saying this had been addressed when there is absolutely no documented response at all. I have left voice mail messages requesting this be reopened and request they answer how they could process a wire transfer when the information that they have published which is required was not given to them, why was this not immediately rejected if they did not have all of that information? 
I have attached their published policy from their website, their written confirmation from " XXXX XXXX '' XXXX XXXX and the wire instruction that was sent to Wells Fargo which clearly is missing the bank address information that they dictate, account number including leading zeros, as well as the customer name and address that is required to match their statement but does not as this customer/address is not existing in their system. 
VERY bad service with Wells Fargo overall.

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 2025-11-10 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: IL

Complaint narrative:
I am writing to dispute certain entries on my credit report from Equifax. The following accounts contain inaccurate information, and I request a thorough investigation and correction : XXXXXXXX XXXX XXXX  Charge-off Account XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX Reason for Dispute : The charge-off status is incorrect. This debt was either settled or reported in error as charged off. 
XXXX. XXXX XXXX Late Payment XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX  Late Payment Date : XX/XX/2025 Reason for Dispute : The payment was made on time, or the reported late payment date is incorrect. 
Supporting Documents : I have enclosed proof of payment, settlement agreements, and any other relevant documentation to support my claims. 
Please investigate these discrepancies and provide me with an update regarding the correction of these errors. According to the Fair Credit Reporting Act ( FCRA ), I am requesting that you resolve this dispute within XXXX days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: MI

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account 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 2025-11-10 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-10 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that XXXX ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: CT

Complaint narrative:
I am reaching out to inform you that I have received and reviewed the response provided by the XXXX Ombudsman via CFPB complaint process regarding my ongoing missing payments issue ; however, I must reiterate that the majority of my concerns and complaints are directed toward Federal Student Aid ( FSA ), an office of the XXXX Department of Education, rather than solely XXXX. 

It remains deeply concerning that the issue of my missing qualifying payments has still not been resolved, despite my having provided all required documentationincluding my service payment history from XXXX supporting evidence. As previously noted, I applied under the XXXX XXXX XXXX XXXX XXXX XXXX which clearly stated that my current repayment plan would be considered eligible for both XXXX and XXXX. Under the terms of this waiver, all payments made between XX/XX/XXXX and XX/XX/XXXX must be counted toward forgiveness. 

After reviewing my FSA  account, it is evident that my qualifying payment counts have not been updated to reflect these missing payments. I am still missing approximately XXXX qualifying payments ( XXXX XXXX XXXX ) that should have been credited under the XXXX. These same XXXX years of payments were made under my former loan XXXX, XXXX ( XXXX  ), and XXXX XXXX XXXX  were explicitly included in my request for re-evaluation and correction via the XXXX, as detailed in my reconsideration request submitted on XX/XX/XXXX. 

Despite my formal request for escalation to the FSA Ombudsman, my cases XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX were closed without resolution or explanation. This lack of response or acknowledgment is unacceptable given the extensive documentation and time that has already been invested in this matter. 

At this point, I am requesting a clear and detailed update addressing the following : The reopening of my CFPB case XXXX  ( XXXX ) The status of the missing XXXX years of qualifying payments and when the XXXX  will XXXX updated to reflect them. 

A specific timeline for when my loan account will show the corrected qualifying payment counts toward forgiveness under the XXXX XXXX XXXX. 

The immediate processing of my loan discharge and forgiveness and any refund that is owed. 

A detailed explanation as to why my prior complaints were closed without resolution or review by the FSA Ombudsman, despite my explicit request for escalation. 

Lastly, I want to reaffirm that under the XXXX XXXX XXXX, my current XXXX XXXX XXXX XXXX  qualifies all payments made since XX/XX/XXXX toward XXXX and XXXX. 

This issue has now been pending for an unreasonable length of time ( XXXX submitted FSA complaint in XXXX to current ), and I respectfully expect a substantive update and resolution without further delay. 

Thank you for your prompt and thorough attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I used PayPal to pay a seller in XXXX for merchandise. The seller required me to use PayPal Friends & Family even though this was a commercial purchase. The package got stuck in customs and was returned to the seller. I have XXXX  proof showing the package was returned to the sender. The seller originally admitted receiving it, but later denied it and refused to issue a refund. 

I contacted PayPal multiple times and provided all evidence, but PayPal refused to help solely because the seller forced the transaction through Friends & Family. PayPal closed the claim without reviewing my documents and told me they could not protect me due to their policy, even though the seller used PayPal fraudulently to avoid buyer protection.

I paid for goods I never received, the item was returned to the seller, and I have tracking proof. PayPal is refusing to provide support or investigate the fraud. I am requesting a refund for the transaction and a review of PayPal allowing sellers to misuse Friends & Family for commercial sales.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
My account was close cause I withdraw money out my account and my deposit came to this well Fargo account no way I can withdraw it soon they close my account I was lock out my account instantly

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 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
I filed XXXX disputes totaling {$2800.00} for a XXXX  XXXX XXXX  scam ( XXXX ). 
Same scam every time : fake XXXX XXXX XXXX, XXXX  video calls, payment link XXXX XXXX XXXX Cash App has already refunded me on identical charges : - XXXX  {$3.00} ( proof ) But just denied another XXXX  charge and others for the EXACT same fraud. 
The scammer routed payments through these fake/shell merchants XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Every payment was made via her fake link XXXX XXXX XXXX for a non-existent XXXX XXXX XXXX 
I never received any code, XXXX XXXX XXXX XXXX 
Cash App inconsistently denied identical charges and removed the Appeal button. 

I want 100 % of my money back immediately no more partials, no more denials. 
Full {$2800.00} refunded to my original payment method within XXXX  days. Cash App is inconsistently ruling on identical transactions and now HIDING the Appeal button entirely. 
This violates XXXX XXXX XXXX XXXX and XXXX $ XXXX Block settlement for fraud victims. 
Force Cash App to refund EVERY remaining dispute in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
Was informed because I was late on payment that my membership was no longer active over XXXX mo.ths ago now they are asking for XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: MO

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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