vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I filed a dispute with Venmo On a transaction that was immediately cancelled the moment I sent XXXX to a wrong person. Venmo said they would refund my money and its been XXXX  days. They said they are closing the case yet I Still dont have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am filing this complaint against Aldous & Associates for violating the Fair Debt Collection Practices Act ( FDCPA ) over a disputed {$110.00} debt from XXXX  XXXX XXXX ( Membership # XXXX ). This debt, reported to my credit reports, has damaged my score, but the original creditor never notified me, and the agencys validation is inadequate. 
I used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, until its closure in XX/XX/XXXX without notice of a past-due balance via mail, email, phone, or in person. My agreement, executed on XX/XX/XXXX, was with XXXX XXXXXXXX XXXX, which closed without informing me. I suspect the {$110.00} includes a {$54.00} annual fee due XX/XX/XXXX, for a closed gym, which I dispute as invalid. I first learned of the debt in XX/XX/XXXX via Aldous & Associates notice. 
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I sent debt validation requests via certified mail. Their XX/XX/XXXX response provided an agreement but no proof of notification or fee validity. My XX/XX/XXXX request ( XXXX Mail # XXXX ) remains unanswered as of XX/XX/XXXX. 
The gyms failure to notify likely violates the XXXX  XXXX XXXX XXXX. Ive attached my letters, their response, the invoice, the XXXX receipt, and credit report excerpts. 
What I Am Asking For : Remove the {$110.00} collection from my credit reports. 
Cease all collection efforts. 
Confirm the debt is invalid and wont be pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Dear XXXXXXXX XXXX Team, I am writing regarding my account with XXXXXXXX XXXX ( Account Number : XXXX ). I have been experiencing severe pain and vomiting due to a XXXX XXXX XXXX and have upcoming XXXX. My illness also caused reduced work hours, which made it extremely difficult for me to make my payment on time. 

I made a payment on XX/XX/year>, and I will be making another payment today. However, I am unable to pay the late fees at this time. I sincerely apologizethis situation has been very hard on me, and I will not start getting better until after my XXXX. 

I am respectfully requesting that XXXX XXXX remove the late fees, ensure that this account is not reported as late on my credit, and temporarily stop repeated calls while my account is being reviewed due to this medical hardship. Additionally, I would greatly appreciate if the missed payment could either be pushed to the back of the loan or placed on a small $ XXXX payment plan along with my current due payment to make it manageable during this difficult time. I can provide medical documentation to support my situation if needed. 

I take my finances seriously and am committed to keeping my account current moving forward. I would greatly appreciate your understanding and assistance during this very challenging period. 

Thank you very much for your consideration.

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 monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: MT

Complaint narrative:
They made a double payment on my insurance. Because of that it has raised my mortgage I could not pay it and it went into forbearance. The forbearance is off now and they still refuse to fix my payment that I can barely afford. It has risen my payment XXXX a month. This is the second time they have messed up my escrow and refuse to fix. Also my mail is going to the wrong address and they refuse to fix that. They say they don't want to get involved. My wife 's lawyer keeps changing my mailing address and opening my mail. That is all besides 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 2025-08-23 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC

Complaint narrative:
I am submitting this complaint regarding a debt collection matter that has been improperly handled. I disputed an alleged debt and, pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I requested full validation of the debt.

The original creditor has informed me that they provided the debt collector with pictures as part of the alleged proof. However, the debt collector has failed to furnish me with these materials or any verifiable evidence, in direct violation of the FDCPA, which requires collectors to cease collection activities until proper validation is provided.

Despite my dispute, the collector continues to attempt collection activity without adequate proof. This is not only a violation of FDCPA 809 ( b ), but also potentially impacts my credit standing in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) if negative information has been reported without proper verification. 

This ongoing issue has caused damages to my financial well-being, undue stress, and reputational harm. I am exercising my rights under federal law and request that : 1. The debt collector be compelled to provide full and proper validation of the debt, including the documentation and pictures allegedly supplied by the original creditor.

2. All collection activity be suspended until validation is properly provided.

3. Any inaccurate or unverified information furnished to the credit bureaus be corrected or deleted immediately, in accordance with the FCRA. 

I am tired of the damages this situation has caused, and I respectfully request the XXXX intervention to enforce compliance with federal consumer protection laws. 

Thank you for your time and attention to this matter.

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 2025-08-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
Subject : Caine & Weiner FDCPA and FCRA Violations Failure to Validate Debt Before Reporting Complaint : I am filing this complaint against Caine & Weiner for reporting a collection account without complying with validation requirements. 
In early XXXX, I sent Caine & Weiner a written debt validation request asking for : A copy of the original agreement with my signature ; Evidence the alleged debt was for personal, family, or household purposes ; Internal procedures verifying FCRA compliance.

Caine & Weiner did not provide these items. They only sent me a generic bill/statement, which does not meet the validation requirements under 12 CFR 1006.34 ( b ) ( 5 ) and 15 U.S.C. 1692g.

Their continued reporting violates : 12 CFR 1006.34 ( b ) ( 5 ) no proper validation provided; 12 CFR 1006.34 ( c ) ( 4 ) ( i ) I was not given the chance to dispute before reporting ; 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( a ) ( 7 ) furnishing data without required disclosures ; 15 U.S.C. 1692e using deceptive and misleading collection means. 


I dispute owing any debt to Caine & Weiner. I revoke all rights for communication via phone, text, or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: SC

Complaint narrative:
Reviewed my report and noticed fraudulent accounts and errors! I want these accounts deleted from my credit report immediately! They are making it hard for me to obtain credit! Thank you.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Request for negative impact to be removed multiple times. The student loan was paid in full. Multiple attempts have been made via phone calls, emails, and letters to have this removed. I have not received any notification nor a response. This has been going on for several years.

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 2025-08-23 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: NY

Complaint narrative:
I am the victim of identity theft under 15 U.S.C. 1681c-2. Fraudulent accounts were opened in my name and continue to appear on my credit report despite my formal disputes. I have provided written identity theft statements and proof of identity, yet the bureaus/creditors have refused to block the fraudulent items as required by FCRA 605B. This is a direct violation of the law. I am requesting immediate intervention by the CFPB to enforce deletion of these fraudulent accounts and hold the reporting agencies/creditors accountable for noncompliance.

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 2025-08-23 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: GA

Complaint narrative:
I dont recongzie the address, will like address and name to be remove from my report. 

XXXX XXXX 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 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 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 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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am enrolled in automatic debit with XXXX ( Account : XXXX ) for my federal student loans. Every payment has been withdrawn on time for years, as my XXXX payment history shows. Despite this, XXXX has been inaccurately reporting my accounts as XXXX  days late beginning in XXXX, and Experian continues to list these false delinquencies every month. 
I have contacted XXXX multiple times over the past XXXX months, and each time I was told the issue would be fixed. However, no correction has been made, and my credit report continues to show false delinquency. This inaccurate reporting is destroying my credit score and has already jeopardized my ability to refinance my home.

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 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I transferred {$610.00} of cash rewards from my capital one savor card to my capital one venture card, and realized it converted the cash value to points which cut the cash value in half. I immediately called to have the transfer canceled. On XX/XX/year>, I spent XXXX minutes on the phone with Capital One Rewards. The first rep repeatedly placed me on hold telling me she was working on reversing the transfer, then at XXXX minutes asked for my savor card number and refused to wait for me to find my card. She told me I needed to call back. I found it in under XXXX minute by rushing despite mobility issues. At XXXX minutes, she said she tried to help and there was nothing she could do. She only escalated when I asked. The supervisor ( Sunday, ID XXXX ) was condescending, blamed me for the call length and that since I've been a customer for XXXX XXXX, I should know that transferring rewards would cut their value in half, then ended the call despite having authority to escalate. I am requesting a review, for the {$610.00} cash reward to be returned to my savor card, and acknowledgment that this treatment was unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: LEXISNEXIS
State: AZ

Complaint narrative:
This is a formal dispute regarding the XXXX  you are reporting on my consumer file. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) and 1681i ( a ), you are required to ensure maximum accuracy and to fully verify any disputed item. Additionally, under UCC 3-501, I am demanding presentment of the original contract and any source documentation used to verify this public record. The court does not report consumer information to LexisNexis or any consumer reporting agencies. Therefore, unless you have firsthand documentation or the original furnishing party, you are in violation of federal law by continuing to report unverified and inaccurate public record data. I am requesting : A copy of the original source used to verify this XXXX  The method and party used to obtain and verify this information If you can not provide verifiable, documented proof, you are required by law to delete this item from my file immediately under FCRA 1681i ( a ) ( 5 ) ( A ). XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions 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 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$1200.00} XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXXXXXX Cards XX/XX/XXXX Experian XXXX XXXX - XX/XX/XXXX Equifa 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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$1200.00} XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXXXXXX Cards XX/XX/XXXX Experian XXXX XXXX - XX/XX/XXXX Equifa 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Company : Wells Fargo ( credit card provider ) Merchant : XXXX XXXX  XXXX  Number : XXXX Flight Confirmation Code : XXXX Transaction Date : Around XX/XX/year> Complaint Details : I am filing a formal complaint regarding XXXX XXXX handling of a dispute/chargeback request for a XXXX XXXX  package I purchased. 

I purchased a full vacation package ( flights + hotel ) from XXXX XXXX. Upon arrival at the hotel ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ), I discovered a XXXX XXXX XXXX XXXX  in my room. I suffered multiple XXXX XXXX XXXX, and XXXX. I have photos and videos documenting this. 

Despite immediately reporting the issue : The hotel did not provide medical support or timely room alternatives. 

My room was only changed on the last day. 

My family, including my daughter whose XXXX XXXX we were celebrating, could not use the services we paid for. 

XXXX XXXX later offered me only a {$250.00} credit toward a future trip, which I declined. This does not compensate for the unusable package or the health and safety risks endured. 

I filed a dispute with Wells Fargo under the Fair Credit Billing Act, requesting a full refund of the entire package. My concern is that this process may not be handled with the urgency and seriousness required, despite my strong evidence ( photos, videos, booking documents, correspondence, proof of rejected {$250.00} offer ). 

Why I am filing this CFPB complaint : The service I purchased was not delivered as promised. 

XXXX XXXX sold a package including unsafe and uninhabitable conditions. 

Wells Fargo must ensure proper enforcement of my rights under the Fair Credit Billing Act.

Requested Action : I request the CFPB to oversee Wells Fargos handling of my dispute to ensure : A full chargeback/refund is processed for this unusable package. 

Wells Fargo protects my consumer rights and does not allow XXXX to avoid responsibility. 

Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX, MA XXXX Phone : XXXX Email : 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 2025-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
I am in XXXX XXXX at the moment, but today XX/XX/year> at XXXX, I called XXXX XXXX discuss the XXXX approval for my account because I received a confusing notification the next day that I needed clarification account. During the call, I was trying to explain to the customer service representative that I had a brain injury and wanted to ask a few questions about the letter I received. In addition, I didn't feel that XXXX had done it's job to inform me that I was making the best decisions for my account in the last year. However, during the call I was trying to ask questions, but because of my brain injury I often have headaches and I having XXXX during the call, but the representative was giving me a hard time. He kept talking over me while I was trying to engage in the conversation trying to understand my account, which only to more confusion in the end. I didn't like how I was treated and being a person with a XXXX, I felt that the employee was mocking me while trying to ask more questions and then perceived to give me horrible attitude. I am not sure what has been going on with my account the XXXX years but I want to make sure I get my questions answers.

Company response to consumer: Closed with explanation