vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: Atlanticus Services Corporation
State: IL

Complaint narrative:
On XX/XX/XXXX I was admitted to the hospital. While I was in the hospital I fell into a XXXX and my purse was stolen from my room. Because I was in a XXXX, I am not exactly sure what date my purse was stolen other than it was some point after XX/XX/XXXX. I did not know it was stolen until my discharge on XX/XX/XXXX. My purse contained my wallet with 23 credit cards, driver 's license, social security card, and cell phone. Two of my credit cards were used to make purchases in California. Both cards are issued by the same bank. I provided proof of my hospitalization and police report to the issuer of the cards and they still refuse to credit my accounts for the charges. Stating that the reason is because someone accessed my accounts online thru my cell. As I explained to them the thief also had my cell phone, which is also on the police report. Because I had a XXXX XXXX XXXX XXXX the with the credit card applications installed and the user name and passwords saved the thief had easy access to logging in and did so. I reported my disputes with the cards on XX/XX/XXXX and again on XX/XX/XXXX and they still refused to give me credit with all the evidence I provided. The first card is XXXX ( XXXX ) in the amounts of {$71.00} at XXXX XXXX XXXX XXXX XXXX In XXXX XXXX, CA, {$71.00} at XXXX XXXX XXXX in XXXX XXXX, CA and {$9.00} at XXXX XXXX XXXX XXXX  XXXX In XXXX XXXX, CA. The other card was XXXX ( XXXX ), in the amounts of {$38.00} at XXXX XXXX  in XXXX XXXX, CA, {$280.00} at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA, {$37.00} at XXXX XXXX XXXX in XXXX XXXX, CA, {$130.00} at XXXX XXXX XXXX in XXXX XXXX, CA and {$58.00} at XXXX XXXX in XXXX XXXX, CA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Capio Partners, LLC
State: FL

Complaint narrative:
The issue that I had is the fact that they texted a joint number out of the blue with a screenshot of a supposed mailer that was sent out that had my personal information and whatever the debt is which is now been shared with my partner. Because we share the phone. It was not okay or acceptable to randomly text without consent. A picture of personal information that is unethical and not okay. I have attached a screenshot of the page they sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
I didnt set up or approve these accounts and dont have any relationship to them. Please review and remove them. Supporting evidence is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I am submitting this complaint regarding a XXXX XXXX credit card serviced by Comenity Bank and a deferred-interest promotional balance. 

Throughout the promotional period, I made all required payments on time and maintained the account in good standing. As the promotion neared its end, the remaining balance was approximately {$500.00}. I intended to pay off the remaining balance in the following billing cycle but did not realize that the promotional period had already expired. 

When the promotion ended, Comenity Bank applied the full amount of deferred interest to the account at once, totaling approximately {$2400.00}. This retroactive interest charge was applied despite my consistent payment history and good-faith intent to satisfy the remaining balance. 

After discovering the charge, I immediately contacted Comenity Bank. I spoke with multiple customer service representatives and supervisors and requested a one-time courtesy adjustment or goodwill consideration. Although my payment history was acknowledged, I was told repeatedly that no adjustment or promotional extension could be offered under any circumstances. 

I believe this outcome is unfair and unreasonable. The remaining balance at the time the promotion ended was relatively small compared to the amount of interest assessed, and I did not receive a clear or prominent warning that the promotional period had ended or that failure to pay the full balance by that specific date would result in the entire deferred interest being added to my account. The magnitude of the retroactive interest charge is disproportionate and punitive in relation to the remaining balance. 

I acted promptly and in good faith once the charge appeared and am not disputing the principal balance owed. I am requesting that Comenity Bank remove or substantially reduce the deferred interest through a goodwill adjustment or otherwise resolve this matter in a fair and reasonable manner, consistent with my payment history and near-complete payoff of the promotional balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: MD

Complaint narrative:
Complaint Against PayPal Improper Dispute Handling and Automated Denials I am filing a complaint regarding PayPals handling of a dispute and appeals process related to a purchase from XXXX XXXX XXXX. XXXX. 

On XX/XX/year>, I purchased a Halloween costume for {$74.00} via PayPal ( Transaction ID : XXXX ). The seller advertised delivery between XXXX XXXX XXXX  I emailed the seller on XX/XX/XXXX requesting an update and received no response. 

On XX/XX/year>, having not received the item, I opened a PayPal dispute ( XXXX XXXX XXXX On XX/XX/XXXX, the seller responded to PayPal claiming the item shipped and provided a tracking number created that same dayafter the dispute was filed and after the promised delivery dates. The item did not arrive until XX/XX/XXXX, well after XXXX. 

On XX/XX/XXXX, PayPal denied my dispute. I called PayPal immediately and explained the costume was shipped late and no longer usable. A PayPal representative advised the dispute reason should be changed from Item Not Received to Delayed Delivery and instructed me not to return the item until PayPal contacted the seller.

Despite this, PayPal repeatedly denied my appeal using the same language stating that if an item is materially similar to the sellers description, it is not significantly not as described. This rationale does not address my dispute, which was based on non-delivery and delayed delivery after the holiday deadline. I repeatedly requested a human review, as the responses appeared automated and identical. I was assured multiple times that a human would review the appeal, but each denial appeared computer-generated. 

On XX/XX/year>, PayPal informed me that because my appeal had been denied three times, the case could not be reopened and advised me to dispute the charge with my bank. A supervisor confirmed PayPal would take no further action. 

Additional concerns include : The seller canceled my order on XX/XX/year>, yet later provided PayPal a shipping record on XX/XX/XXXX. 

The seller provided a return address that appears invalid according to XXXX, preventing a return. 

Due to the delayed delivery, I had to purchase a replacement costume from XXXX with rush shipping for {$58.00} so my grandson could participate in school XXXX activities. 

I have been a PayPal customer for 19 years and relied on PayPal Buyer Protection. PayPal failed to provide a meaningful human review, relied on irrelevant automated denial reasoning, and denied relief despite clear delayed delivery and seller misconduct. 

I am requesting CFPB assistance to ensure PayPal conducts a fair manual review and issues a refund of {$74.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I had Bill Pay send checks by XXXX to Citi Bank for deposit into my checking account. Both checks were {$300.00} and were recurring payment to my account. These payments have been made for several months before XXXX. I have copies of both checks with my Citi account number printed on the and both checks have cleared the issuing bank. Ive been trying to get this resolved for over 3 months with no cooperation from Citi bank. I normally transfer from checking to savings. I request reimbursement for both checks and interest lost. I have copies of both cleared checks if needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX provided Equifax with information regarding my XXXX XXXX bankruptcy ( Case Number : XXXX ) claiming to have verified it, when in fact XXXX is not the original source the XXXX County Bankruptcy Court is. This admission is visible in Equifaxs reporting, which explicitly lists XXXX as the verifying party. 

I submitted multiple verified disputes to Equifax on XX/XX/year>, XX/XX/year> ( twice ), XX/XX/year>, XX/XX/year> ( twice ), XX/XX/year>, and XX/XX/year>, each with unique confirmation numbers proving my actions. Immediately following these submissions, I received fraudulent and spoofed emails claiming to be from Equifax, referencing fake case numbers and dispute details temporally aligned with my submissions. 

This is axiomatic evidence that XXXX mishandled my personal data, as the only plausible explanation for the timing and specificity of these phishing attempts is that my dispute-specific information was exposed. By failing to verify the bankruptcy directly with the court and by supplying unverifiable data to Equifax, XXXX violated FCRA 611, Minnesota statutes ( 332.70 et seq., 325D.44 ), and Georgia consumer protection law ( O.C.G.A. 10-1-393, 10-1-372 ). 

XXXX repeated failure to provide accurate verification, properly secure dispute data, or correct errors on the report constitutes systemic negligence, legal noncompliance, and active endangerment of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
I filed a complaint XX/XX/year> concerning a loan I made XX/XX/year>. The purpose of my complaint was to inform the Corporate office of unethical/illegal practices that are taking place in the GA office. I received a reply from XXXX XXXX the regulatory and business controls director, in her reply she used the word " alleged '' to describe my complaint, whereas my concerns are valid. Instead of saying the company would look into my concerns she basically called me a liar. So since my loan is valid proof, if the add-ons were offered as optional, why was I waiting on refunds from those items. I was right there in the office, so the items wouldn't have been added once rejected, or were they trying to add it on anyway? I wrote Cancel on an auto membership ( the day of the loan ) that was added on without asking, and had to wait 3 weeks for the refund. The other 2 items they told me would be refunded by check then called me in to pay me instead. The purpose of this new complaint is to request an Audit be done on all Current and Past loans, including phone calls made to those customers to ask if the memberships, Life Insurance, and XXXX were offered or just added to the loan. That will prove this company is doing illegal unethical practices as I stated in my 1st complaint, and my concerns are valid, and not alleged as XXXX stated without any investigation. This is a XXXX company as I witnessed 1st hand. By the way I was treated, and also my the way a XXXX man was treated when making a payment on his loan. They seem to prey on the poor, and XXXX people. I think an Audit would be appropriate at this point, not by the liars and thieves themselves, but by you guys, and they should be fined once they find proof. AND THEY WILL FIND PROOF my concerns ARE VALID.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX my card was used to withdrawal XXXX dollars, I didn't found out till XX/XX/XXXX that money was taken from my cashapp account. I reported it stolen and filed a dispute. Day later cashapp denied my dispute said that either I did the transaction because the pin was used or I gave my pin to someone to pull cash out. 
I never pulled cash out and I also did not give my pin out to anyone. I also called social security XXXX and had my check stopped as I'm missing money. I've tried contacting cashapp they will not answer my questions, I've asked for a manager several times and told I would get a email from a manager and never have. They refuse to help me. I've also requested that they pull the video from the atm but they never did. I believe my card was skimmed when I swiped my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MI

Complaint narrative:
XX/XX/XXXX. I received an email from my company saying my account access has been restricted. 
XXXX XXXX I called the company and was told I have to wait 48 hours for the review to go through XXXX I called again aiming to find out what the suspicious charge was and if we could speed up the process, the information was not given to me. Later that night my access was unrestricted and then 7 minutes later was again placed under restriction. 
XX/XX/XXXX I called the company again and they talked in circles not telling me what the problem was and not being of any help stating I have to wait 48 hours once again.

Company response to consumer: Closed with explanation