vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account with the XXXX XXXX XXXX XXXXXXXX XXXX has been reporting fraudulent past due or late marks on a credit line that is closed since at least XXXX of 2024. They are not reporting the correct balance that should show the auto loan that Im being said I owe money on is not correct as well. This surly does not show what I paid into the car nor what it shows the car was sold for on top of what gap insurance did pay. It is indeed illegal to add derogatory marks to an account that has been closed and for this reason I feel this item needs to be immediately removed from my credit report.

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 2025-05-25 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: FL

Complaint narrative:
This account with the XXXX XXXX XXXX XXXXXXXX XXXX has been reporting fraudulent past due or late marks on a credit line that is closed since at least XXXX of 2024. They are not reporting the correct balance that should show the auto loan that Im being said I owe money on is not correct as well. This surly does not show what I paid into the car nor what it shows the car was sold for on top of what gap insurance did pay. It is indeed illegal to add derogatory marks to an account that has been closed and for this reason I feel this item needs to be immediately removed from my credit report.

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 2025-05-25 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I filed formal disputes with my credit card providers ( XXXX and Venmo ) regarding charges made to XXXX XXXX XXXX for a custom furniture order. The order was never completed as promised, and the furniture delivered was defective and incomplete. Despite providing extensive documentation, both XXXX and Venmo denied the disputes without fair explanation. 

However, XXXX XXXX  reviewed the same case and approved my dispute, refunding {$2000.00} which confirms that the merchant failed to deliver the promised services. 

I am requesting CFPB to review how XXXX and Venmo handled these disputes, and why they disregarded the clear evidence I provided.

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 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Sparrow Financial, Inc.
State: NY

Complaint narrative:
THE COMPANY Sparrow. Still charge me {$8.00} twice after I closed the account for wanting not to be billed this monthly mentainance. I closed thus account well before this charge to start according to them. I told them at the closure that I will continue to pay the balance in installments till all paid off. But in addition to charging me interest. They also charge me {$8.00} annual fee for an inactive account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
My issue is with Concora Credit with my Destiny card ending in XXXX. I had an automatic payment on XX/XX/XXXX. The very next day, they reversed the posted payment and charged me an over limit fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One has an exploitable weakness in its card activation process that encourages fraud, and when I call as a victim of this fraud I am repeatedly told things by Capital One representatives that they fail to follow through on. 

I applied for a new credit card from Capital One and was approved on XX/XX/XXXX. After seeing I was approved, I requested an authorized user card. My card arrived first, around XX/XX/XXXX. I activated the card, but I saw that in doing so I had also activated the authorized user card, which had not yet arrived. This is an obvious and highly problematic flaw in Capital One 's process. I thought to myself at the time " well this is highly worrying- I'm activating a card before I receive it, and since this is a normal process I imagine some fraudsters know about this ''. 

On XX/XX/XXXX, in checking my account, I saw hundreds of dollars in charges on my authorized user 's card. I called my authorized user ( my wife ) and confirmed that she had not received the card - indeed she does not have the key to our apartment mailbox. I have scoured my USPS informed delivery dashboard and do not see the card letter for my wife even appearing there. That, combined with the fact that I am in a building with a 24/7 doorman guarding the mailboxes, suggests to me that the card was stolen even before arrival at our building. 

On XX/XX/XXXX I called Capital One to cancel the card and report the charges as fraud. During the call, I specifically asked the representative if all the charges related to the card would be removed, and she said yes. I was issued a new card for my authorized user, but I saw three weeks later that the fraud charges were still on the statement. I called again on XX/XX/XXXX. I went through each fraud charge in detail and was told that there would be a credit on my account while the fraud team investigated. I complained that in my last call the representative had already committed that all the charges would be removed. I also escalated to a manager what I saw as the obvious weakness in the activation process. On XX/XX/XXXX, seeing that there was not even a temporary credit on my account, I called again. The Capital One representative told me that the fraudulent charges I wanted refunded were not even flagged on the account, which is wild because at this point I've gone over them with Capital One representatives so much that I have them memorized. I was escalated to a supervisor, who again made the same commitment of a temporary credit in a few days while they conduct an investigation. I have little to no faith that this will happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00} & XXXX XXXX XXXX Balance : {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00} & XXXX XXXX XXXX Balance : {$1200.00}

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 2025-05-25 00:00:00
Product: Credit card — Store credit 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: Klarna AB
State: NY

Complaint narrative:
I noticed Klarna was charging me for an XXXX order that was never fulfilled or funded through their service. I contacted Klarna and explained that I paid XXXX directly with a different payment method, providing proof of that payment. 

Despite this, Klarna ignored my evidence, reactivated the charge, and locked me out of their service until I pay the disputed amount. They also confused this charge with another unrelated order. 

I have asked Klarna multiple times to clarify and close this dispute, but they have failed to respond properly. I am requesting that Klarna remove the incorrect charge and allow me to use their service without this wrongful balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXX/XX/year> Last 4 of SSN : XXXX To : Experian XXXX XXXX XXXX XXXX TX XXXX Subject : Formal Dispute of Unauthorized and Inaccurate Accounts under FCRA 15 U.S.C. 1681b and IRS Charge-Off Regulations Dear Experian Dispute Department, I am writing to formally dispute the following accounts that are being reported on my credit report without my lawful authorization and in violation of federal consumer protection and tax reporting laws : XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Pursuant to the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b, no consumer reporting agency may furnish a consumer report containing my personal credit information unless there is a permissible purpose under the law. I have not authorized any of the above entities to access or report information about me, and no valid permissible purpose exists for these entries. Your continued publication of this unverifiable and unauthorized information constitutes a willful violation of federal law.

Additionally, I am invoking IRS Publication 535 and 26 U.S. Code 6050P, which require financial institutions to issue IRS Form 1099-C for canceled or charged-off debts. If these accounts have been charged off and reported as such, they must be legally considered discharged income, and therefore can not be simultaneously listed as collectible debts on my credit profile. Doing so is a form of double-dipping, which is unlawful and deceptive under federal tax code and consumer law.

I am demanding the immediate deletion of these accounts from my credit report. This is your legal obligation under the FCRA if you can not provide full validation and proof that the data is accurate, current, complete, and that the entities involved had a permissible purpose.

Failure to comply with this request within 30 days will result in my pursuit of legal remedies, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking relief in federal court for damages under FCRA statutes. I will not hesitate to initiate legal action if this matter is not resolved immediately.

Please send confirmation in writing that the disputed accounts have been removed or provide the required legal documentation verifying their validity, including original contracts bearing my signature and proof of permissible purpose.

Sincerely, 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 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
XXXX of 2025 I completed a debt consolidation loan. The escrow company mailed out 2 pay off checks for XXXX XXXX accounts to wrong XXXX XXXX. One check was returned the other one was cashed by synchrony bank. I have reached out numerous times to try and recover money no luck. they have no system to track down the actual check numbers

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
b'I am a victim of the Equifax data breach which made my personal information available online. As a result, fraudulent accounts were opened in my name without my knowledge. I had no knowledge of this account and have never had access to it. I have never had an account with XXXX XXXX XXXX XXXX XXXX XXXX A identity theft report has been filed with the Federal Trade Commission and local law enforcement\n\nFraudulent Account: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nOther information that is wrong on my credit report at Experian, Equifax and Transunion:\nAddresses: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
b'I am a victim of the Equifax data breach which made my personal information available online. As a result, fraudulent accounts were opened in my name without my knowledge. I had no knowledge of this account and have never had access to it. I have never had an account with XXXX XXXX XXXX XXXX XXXX XXXX A identity theft report has been filed with the Federal Trade Commission and local law enforcement\n\nFraudulent Account: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nOther information that is wrong on my credit report at Experian, Equifax and Transunion:\nAddresses: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-25 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: FL

Complaint narrative:
Due to all of the violations, Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit. These remarks have been detrimental to my life and credit health.

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 2025-05-25 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:
Due to all of the violations, Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received multiple emails that I had a recent credit inquiry which I did not authorize. I have not inquired any kind of credit card or have had my credit ran for any reason. It looks like it came from Capital One. I have not opened a recent credit card from them so I dont know why they would do a credit inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
I

want to report PayPal because they won't allow me to withdraw my own money in my PayPal account. They hold my funds beyond the 180 days timeframe they provide. My PayPal account was permanently limited on XXXX XXXX XXXX XXXXXX/XX/XXXX, without any valid reason from them. They only stated that they'll hold my funds up to 180 days to to cover things like chargebacks or other financial liabilities.

I have contacted them after 180 days timeframe they say, hoping that I can withdraw my funds because the 180 days is already done this time. Unfortunately, I still can't withdraw my money on my PayPal balance. Their reason was not clear, they only told me that my account still has restriction which is not very clear. I thought, they'll just hold the funds for 180 days. What happen now? I still message them, to release my money. Unfortunately, they won't allow me to withdraw my own money in my PayPal Balance.

Now years have already passed, its almost 2 years since my account got permanently limited. All I want is my money to be withdrawn. It's year XXXX already, but still they won't allow me withdraw my funds.

Hopefully CFPB could help me get my money back which PayPal hold very long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lending Tower LLC
State: NY

Complaint narrative:
Received a letter marked confidential in the mail for a {$21000.00} personal loan from XXXX XXXX. The website listed is www.mytowersavings.com The address on that website is XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX If you search that address XXXX XXXX comes up but with a similar looking website : www.lending tower.com This is clearly a scam. If you read reviews online people say its an agency to link you to people who actually give out loans or some such ( if they get helped at all ). They say they got less money than promised because XXXX XXXX takes a cut and because the loans given out are a smaller amount. They also say interest rates are much higher than advertised. 
The letter I received in the mail says Im eligible for a * XXXX XXXX * personal loan. They dont give out loans though. On the Consumer Affairs website it says, XXXX XXXX became a licensed financial broker in XXXX... It currently acts as a broker for unsecured personal loans and debt consolidation loans Its false advertising and predatorial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding the continued promotion and referral of services by XXXX XXXX through the XXXX XXXX XXXX 

As you may know, XXXX XXXX and its parent company XXXX XXXX were subject to enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) in 2023, resulting in a {$2.00} XXXX judgment and a 10-year ban on telemarketing credit repair services. Despite these actions, I recently noticed that XXXX XXXX is still being promoted as a credit repair option on the XXXX XXXX website. 

I find this highly misleading to consumers, especially those who trust XXXX XXXX as a reputable platform for financial guidance. Promoting a company that has been sanctioned for deceptive practices could cause harm to unsuspecting users. 

I respectfully request that this issue be investigated, and that appropriate actions be taken to ensure transparency and consumer protection. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/2025 I ask debt collection agency to update amount with accurate payment.

Company response to consumer: Closed with explanation