vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

Complaint narrative:
I am not liable for this debt with XXXX. I do not have a contract with Jefferson Capital Syst. They did not provide me with the original contracts as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I sold an item through XXXX and received a PayPal payment under " XXXX XXXX XXXXXXXX '' on XX/XX/year>. I immediately shipped the item via XXXX with tracking number [ XXXX ]. 

The item was delivered and confirmed on XX/XX/year> XXXX XXXX. I uploaded the tracking information and delivery proof to PayPal. PayPal then requested additional verification, including bank account information and a security code, which I provided and completed successfully. 

Despite providing all requested documentation showing the item was delivered, XXXXXXXX XXXX system denied my request for early release of funds. PayPal is now holding my payment of {$190.00} for the full XXXX period, even though : Tracking shows the item was delivered to the buyer My account has been fully verified There are no open disputes or claims from the buyer PayPal confirmed I completed all verification steps I have received payment but can not access my funds. XXXXXXXX XXXX policy of holding funds for XXXX days even after delivery confirmation and account verification appears to be an unfair practice that delays access to legitimately earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
THE COMPANY HAS FAILED XXXX  DOCUMENTS FOR THEM DENYING MY CLAIM. I DO NOT BELIEVE THE CLAIM WAS EVEN LOOKED INTO AND I XXXX  THAT XXXX IS ACTING IN BAD FAITH.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
Debt collector keeps calling my phone number after repeated telling them to only contact me through emails. Whenever I try to answer when they called me in the past the call would drop and they wouldnt try to call again. Theyve called me on the weekends. They call me constantly throughout the day after telling them to only email me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2025-11-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: NY

Complaint narrative:
What happened : I attended XXXX XXXX XXXX for a professional pilot training program. The school billed for a training package totaling approximately XXXX hours of flight and ground instruction. However, I only received XXXX hours of actual instruction before becoming medically unable to continue the program due to documented medical issues. 

Despite this, the school charged as if I completed the entire XXXX program. I am willing to pay for the instruction I actually received, but I should not be billed for hours, services, and training that were never provided. 

I requested accurate training records from XXXX XXXX XXXX, including : Flight hour logs Ground instruction logs Attendance records Instructor sign-offs A detailed accounting of funds billed vs. instruction delivered

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: FL

Complaint narrative:
Subject : Formal Complaint FCRA, XXXX  XXXX, and Florida Statute XXXX Violations by XXXXXXXX XXXX XXXX TransUnion / Experian / Equifax To the Consumer Financial Protection Bureau, I am filing a formal complaint regarding the account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as the information furnished to TransUnion, Experian, and Equifax contains multiple contradictions, impossible dates, missing required fields, and unverifiable data. These issues constitute violations of the Fair Credit Reporting Act, XXXX XXXX and Florida Statute XXXX. 

XXXX. Impossible Date of First Delinquency FCRA 1681e ( b ) Equifax reports a Date of First Delinquency of XX/XX/XXXX, while the account was opened on XX/XX/XXXX. 
A XXXX  can not occur before the account exists. 
This is inaccurate, impossible, and unlawful. 

XXXX. Contradictory Account Status Across Bureaus TransUnion reports the account as an Open Factoring Account, yet also closed on XX/XX/XXXX. 
Experian reports it as a collection account with outdated status updates. 
Equifax reports it as Closed while maintaining an active past-due balance. 

A single account can not be open, closed, and in collection at the same time. 
This violates FCRA 1681e ( b ) maximum possible accuracy. 

XXXX. Incomplete Required Data XXXX XXXX & FCRA No bureau reports : last payment date payment history original contract documentation validating ownership itemized accounting Under XXXX  XXXX, incomplete data = unverifiable data. 

XXXX. Failure to Conduct a Reasonable Reinvestigation FCRA 1681i Previous disputes resulted in template responses with no evidence of actual documentation review. 
This is not a lawful reinvestigation. 

XXXX. Violation of Florida XXXX XXXXXXXX XXXX is furnishing misleading, incomplete, and contradictory information, which is prohibited under Florida consumer collection laws. 

Requested Action I request that CFPB require XXXX  and the credit bureaus to : Provide full documentary validation, including the signed contract, XXXX  proof, ownership records, and itemized accounting, or Delete this account from all consumer reports due to its inaccurate, contradictory, incomplete, and unverifiable reporting. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
It just said that I had inquired about whether I will receive Customer Service remediation funds for all of my old accounts under the old Wells Fargo case number and they said theyll contact me if reading a remediation applies however, I want to make sure that I am not qualifying for remediation I feel like maybe not receiving any replies so I called recently on XXXX XXXX for the escalations representative XXXX XXXX XXXX who sent the letter and I never received a response back, confirming that my case is closed and that this does not apply to me, so I wanted to open another case and make sure that I do not qualify for remediation funds from any accounts I had with their company, I can give you the old Wells Fargo case number also it is a 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 2025-11-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Oquirrh Mountain Law Group, P.C.
State: CA

Complaint narrative:
I signed up with Lexington Law because of a credit report issue I could fix myself. I recently paid off a child support account, in full, for XXXX XXXXXXXX, after XXXX the account was finally paid and then closed in good standing. Then it was completely removed from my credit report bringing my XXXX credit history down to XXXX & XXXX  months. Even though there were a ton of late payments, the time it was opened was better for my credit than removing all together. So I signed up with them & asked if they could bring this account back on to my report. I was told they could. Well they never did. They didn't attempt to, nothing. Even though I expressed what I wanted multiple times, they never listened. All they did was allegedly, send XXXX letters to XXXX credit cards companies. After XXXX  days I decided to close my account and ask for a refund for services that were never provided. They told me it takes time and that was why the first month did cost anything which was not true because they charged my card {$130.00} after XXXX  days & then wouldn't let me quit after I asked them to on multiple occasions. They told me that these things take time & that they hadn't received a response for my. Inquires after XXXX days. Which i XXXXXXXX XXXX understand because it only took a week to get responses from the disputes I filed with the same companies. They refused to refund my {$130.00} initial payment & then proceeded to charge an additional {$120.00} for " hours they spent working on my problems '' which they didn't do. When I asked for proof, on XXXX separate occasions, they closed out my chat with them. They also never called or attempted to call me like they said they would, they never responded to any of my emails genuinely & just sent me generic response probably from XXXX  to delt time or just blow me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Called and sent in letters to have my name and current address updated and have all the rest taken off due to accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have been charged late fee with no grace period. I have only bedn XXXX to XXXX  days late do to my social security depost being deposited on the XXXX. Yet they have charged me with {$37.00} twice. Ca law require them much lower amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-29 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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-11-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I had an XXXX XXXX card and I went to XXXX for vacation and broke my phone so I was unable to look at my billing, and although I had put enough money in my bank account to pay for the upcoming bills they were bounced back for some reason. I was able to get a new phone and saw they bounced back, and then I sent in a physical check, but it was too late and they closed my account and my XXXX XXXX took a big hit. I contacted XXXX and they said it doesnt matter, they cant do anything. Id like that negative report taken off my XXXX XXXX as it was not my fault and I had money readily available to pay for the payments, and tried multiple times to pay on time.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Bankruptcy was filed XX/XX/year> in which all accounts on my credit report were included besides consumer portfolio services. There was XXXX payment history for any and all accounts reported. XXXX XXXX and XXXX XXXX went back and reported old payment history. Also there is no way an investigation was properly done by the credit bureau ( s ) because my LAST NAME IS SPELLED WRONG, which is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX had a form for me that I was told for tax purposes should I buy anything on duty free. I didn't purchase anything. XXXX XXXX, I received a credit card for the store on XXXX XXXX. I didn't request a credit card and any application was misrepresented. I didn't activate the card and called XXXX, who told me of a $ XXXX charge on it. 
XXXX said they will remove the charges and any credit report or score effects. They will do an investigation and I will be sent the report in XXXX business days. No case number was issued. 
No report to the authorities, yet. 
I've submitted disputes on the credit bureaus ( XXXX of XXXX showed this credit card ). I'm still working through everything I need to do for this.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
I consolidated my debt with a debt consolidation company ( XXXX ). The company has been paying my creditors but the payments aren't reflecting and the accounts are still being reported as XXXX  days past due and as charged off. I've provided proof of them accepting to be paid through XXXX and dates payments were made to them, which is every XXXX weeks. Nothing is being updated with the credit bureaus and the neglection of these companies doing this is causing irreparable damage to my credit. 
The other account I want to file a dispute on, offered me a settlement amount that I paid the day they offered it but again the balance the same and the account is labeled as a charge off instead of reflecting the balance has been paid or settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: AL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: LA

Complaint narrative:
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 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: FL

Complaint narrative:
Subject : Formal Complaint Inaccurate and Incomplete Reporting by XXXX XXXX XXXX XXXX FCRA, XXXX XXXX  & Florida Statute XXXX ) To whom it may concern, I am submitting a formal complaint regarding inaccurate, incomplete, and misleading reporting of my XXXX XXXX XXXX account across multiple credit bureaus. These errors violate the FCRA ( 15 U.S.C. 1681e ( b ), 1681i ), XXXX XXXX  ( XXXX CFR XXXX ), and Florida XXXX XXXX ( XXXX ). 

The following issues were identified in my reports : The reported high balance is {$0.00} despite a credit limit of {$4000.00}, which is impossible for an account that was open and in use. This indicates inaccurate or corrupted data. 

The account closed on XX/XX/XXXX, but the bureaus continue updating or refreshing the item as of XXXX, which is misleading and violates the accuracy requirements of FCRA 623. 

TransUnion displays a Payment History section with no data, which constitutes incomplete reporting and creates a misleading impression regarding payment performance. 

Equifax does not list a last payment date, actual payment amount, or any final payment details, despite the account being reported as XXXX and XXXX. This is incomplete information under FCRA 1681e ( b ). 

XXXX XXXX requires furnishers to transmit only accurate and verifiable information, and these inconsistencies demonstrate non-compliance. 

Under Florida XXXX XXXX ( XXXX ), it is unlawful to communicate false or misleading information regarding a consumer debt. The inconsistencies above materially alter the character of the account. 

These inaccuracies are harming my credit profile, and I am requesting that the CFPB investigate XXXX XXXX XXXX and XXXX : A full reinvestigation under FCRA 1681i ; Verification of all data elements ( high balance, payment history, last payment, balance history ) ; Correction or deletion of any inaccurate or unverifiable information. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief