vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
Using the XXXX  app, I paid my landlord {$1500.00} on XX/XX/XXXX, using her email address ( XXXX ), and now the funds are stuck. Apparently, I should have used her name. Despite numerous tries, I am unable to cancel, or use their Take Back option, which for me doesn't appear. Please, could you help? XXXX  Transaction ID : XXXX I am XXXX XXXXXXXX on XXXX. They could not possibly make it more difficult for customers to resolve issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: I.C. System, Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX I C SYSTEM XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Debt Validation Request and Cease and Desist Notification To Whom It May Concern : I am writing in response to a debt collection notice I received from your company regarding the alleged debt with account/reference number. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692c ( c ).

1. Debt Validation Request I do not acknowledge or accept any responsibility for this alleged debt and request that you provide proper validation of the debt, including : The name and address of the original creditor ; The amount of the alleged debt, including an itemized breakdown of all fees, interest, and charges ; Proof that I am legally obligated to pay the debt ( e.g., a signed contract or agreement ) ; Verification that your agency is authorized to collect this debt ; The date of default and when this debt was charged off ( if applicable ) ; A copy of the last billing statement from the original creditor.

Until you provide the requested documentation, you must cease all collection efforts, including calls, letters, reporting to credit bureaus, or legal actions.

2. Cease and Desist Pursuant to 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist from all communication with me, except to provide the debt validation documentation as required by law or to notify me of specific legal action you intend to take. 

If you continue to contact me or attempt to collect on this debt without providing validation, you will be in violation of the FDCPA, and I will not hesitate to report your actions to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Please note that any further communication must be in writing only and sent to the mailing address provided above. 

Sincerely, 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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
on XX/XX/XXXX apparently my XXXX student loan that i took out for college back in XXXX was apparently 45 days past due. the balance was around $ XXXX interest. I have never once missed or been late on any payments in my entire life. I received a notification back when one of the loans was fully paid off because some genius at XXXX decided to split the loan into 2 groups being XXXX and XXXX  i believe. i had assumed the balance that said {$0.00} meant it was paid off, and around that same time the SAVE act, ironic because of how many people this has negatively impacted at this point, went into effect. this aused a loan balance on the second grouping of this loan at around that {$850.00} spot. once i was made aware of this issue i had completely paid off the loan in full right away and any interest. Now i have no issues paying my debts, what i owe is what i owe. even that of the interest. fine. But what this has done to my credit history is just down right criminal. A class action lawsuit aught to be brought to light for all the people in my similar situation. Please, if there is anything someone can do to make this right with my credit XXXX  i would appreciate it more than you know. 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 2025-10-01 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc.
State: AZ

Complaint narrative:
Not that I expect this to do anything its more for me to get my documentation in order so when I sue wisely and the CFPB, I can at least prove that I am trying to resolve this and that you guys have done nothing to help protect the consumer, which is why you exist I filed a dispute with my bank wisely for three different charges that this same vendor took from me. They of course denied it like they have 100 % of the claims that Ive put in for this type of issue. The problem is this time they made a mistake and they sent me documentation stating that the merchant refunded me, but as you can see per my bank statements wisely never pass those refunds on to me they simply kept them for themselves. Well, they passed one on to me, but they kept the other two for themselves as they are not reflected on any of my bank statements. I tried dealing with wisely and they told me that they can see it on XXXX XXXX hitting my account, but theres nothing showing anything like that on any of my statements of which is illegal for them to with hold any financial transactions that take place on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY

Complaint narrative:
In XX/XX/year>, my Wells Fargo account was closed. In XX/XX/year>, XXXX issued a refund for concert tickets ( Shakiras concert in Washington, XXXX ) to my former Wells Fargo account. XXXX has provided me with the transaction references showing the refund was sent. Wells Fargo told me that the funds were not received because the account was closed. However, XXXX insists the funds were sent to Wells Fargo. 

I filed a formal complaint with Wells Fargo in XX/XX/year> and was told I would receive a resolution within 15 business days. It has now been over two months, and Wells Fargo has not provided any written response or confirmation of what happened to the funds. 

I am requesting clarification and resolution of where the refund is, and whether Wells Fargo received, rejected, or is holding the funds

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 2025-10-01 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: OH

Complaint narrative:
After numerous attempts with XXXX XXXX SERVICES AND EXPERIAN CREDIT REPORTING AGENCY to correct all the incorrect information to include but not limited to incorrect names and dates, ammouts owed, charge-off dates and amounts, and numerous other incorrect information there sham reviews and inaccurate information still being reported inaccurately to the credit reporting agencies. After reporting the information that is incorrect to the company and the credit reporting agencies and receiving the same sham investigations by both the company and the reporting agencies showing more of the same inacute information instead of the correct and complete information reporting back correctly its reporting back verified with the wrong information over and over again due to sham investigations on the credit reporting agencies part and the complete lack of the companyto follow CFPB regulations. Both the company and the reporting agencies are not following CFPB laws by reporting inaccurate and incomplete information which after numerous attempts to correct are by CFPB regulations violating my consumer rights and I will be pursuing legal action if this information is not corrected properly. CFPB regulations state that the information must be reported fair, accurate, and complete but after numerous violations of this the company and the reporting agencies with there sham investigations keep violating my consumer credit rights. This information should be correct, accurate, and complete or be removed from all credit reporting agencies immediately before. I am being forced to peruse legal action due to the blatant violations to CFPB regulations by both the companyandthereportingagencies. All I have been requesting is that the information be corrected or now be removed since the company and the reporting agencies can not or will not follow CFPB regulations this shows how they just don't care about reporting the correct information and continue to violate the fair credit reporting act, along with other numerous violations of the CFPB regulations. Please remove the information from my credit report immediately.

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 2025-10-02 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: OK

Complaint narrative:
XXXX credit card closed on XX/XX/XXXX. The account of charged off. However, I was contacted by XXXX to set up a payment plan to pay it. I set up a payment plan. I have made consistent payments and they are still marking the account as derogatory. To my understanding, a company can no longer collect on a debt that has been a charge off.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate addresses and unauthorized credit inquiries being reported on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. and are causing harm to my credit profile. 

Incorrect Addresses : XXXX Pleasant XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Wrongly reported. 

XXXX XXXX XXXX XXXX, Missouri XXXX, TX XXXX Wrongly reported. 

XXXX High XXXX XXXX XXXX XXXX, XXXX, TX XXXX Wrongly reported. 

XXXX XXXX XXXX XXXX XXXX Missouri XXXX, TX XXXX Wrongly reported. 

XXXX XXXX XXXX, XXXX XXXX, GA XXXX Wrongly reported. 

Unauthorized Credit Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX These inaccuracies and unauthorized inquiries are adversely affecting my creditworthiness and are in violation of the FCRA. 

Legal Violations : FCRA 1681c ( a ) ( 1 ) : Reporting of inaccurate personal information.

FCRA 1681b ( f ) : Unauthorized credit inquiries without permissible purpose.

FCRA 1681i : Credit bureaus failed to properly investigate and remove inaccurate or unauthorized items.

Requested Relief : I respectfully request that the CFPB : Conduct a thorough investigation into all listed addresses and inquiries. 

Require validation and removal of all unauthorized and inaccurate information. 

Correct or delete any inaccurate reporting to ensure full compliance with the FCRA.

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 2025-10-01 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: TX

Complaint narrative:
I formally dispute the inclusion of unauthorized accounts in my credit profile. I request an exhaustive examination and their removal. Supporting evidence accompanies this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: MD

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: AZ

Complaint narrative:
Between XXXX and XXXX I borrowed multiple private student loans from Sallie Mae. Each disbursement was reported as a separate tradeline. In XX/XX/XXXX, Sallie Mae charged off these loans. In XX/XX/XXXX, I refinanced and settled them through XXXX, which paid approximately XXXX XXXX across XXXX loans. XXXX XXXX own transaction histories ( provided to me in XX/XX/XXXX ) show all accounts reduced to {$0.00} balances by XX/XX/XXXX. 

However, my credit reports with Equifax, Experian, and TransUnion still show these accounts as active charge-offs with inflated balances. 

Example : XXXX ending in XXXX shows two disbursements totaling about {$2000.00}. XXXX XXXX transaction history shows a charge-off balance of {$5400.00}, followed by a {$1900.00} settlement payment on XX/XX/XXXX, which reduced the balance to {$0.00}. Despite this, my credit reports continue to show this tradeline as a charge-off with an inflated balance owed. 

This same issue exists across other loans. The reporting is therefore inaccurate and incomplete under the Fair Credit Reporting Act. I previously disputed this directly with Sallie Mae and the credit bureaus. Sallie Mae responded only with a generic statement about industry standards and did not provide documentation reconciling the balances or updating the accounts to settled/ {$0.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I moved out of XXXX apartments because I could no longer afford things I went on bed rest being pregnant : the amount is incorrect. The damages are incorrect. Everything is incorrect regarding this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: Klarna AB
State: MI

Complaint narrative:
I used my Klarna account to finance a {$1500.00} purchase of tickets from XXXX for my daughter. The tickets were never delivered. Despite repeated attempts to resolve the issue, XXXX refused to refund me. 

I filed a dispute with Klarna, but Klarna stated it was not their problem and refused to investigate. Later, I escalated the issue with my bank and filed a dispute with them against klarna, my bank temporarily credited me during a dispute, but Klarna reversed the credit and re-charged me for the {$1500.00}, even though I never received the tickets. 

Klarna failed to uphold its obligations under consumer credit protections. As the lender/payment provider, Klarna is responsible for ensuring consumers are not charged for goods or services that were never delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NJ

Complaint narrative:
I am filing this complaint because my credit report contains collection accounts and inquiries that are inaccurate, fraudulent, and causing significant damage to my creditworthiness. These items are not mine, and their continued reporting violates my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting their permanent removal, not correction, to restore the accuracy of my credit file. 
My report currently shows the following collection accounts : XXXXXXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX with a balance of {$12000.00} * and XXXXXXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX CO with a balance of {$1000.00} *. These accounts are unverifiable, fraudulent, and their reporting violates FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ). 
Additionally, my report lists unauthorized inquiries that I never approved, including XXXX XXXX on XX/XX/year> and XXXXXXXX XXXX on XX/XX/year>, which violate FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 605B ( 15 U.S.C. 1681c-2 ).

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 2025-10-01 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: NY

Complaint narrative:
I am formally disputing the accuracy and validity of the charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing.

Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent.

The balance, past due amount, and status are not accurately reported.

The account does not reflect complete and verifiable records of the debt.

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this account was lawfully established and charged off.

2. Copies of the original signed contract or agreement bearing my signature.

3. A detailed payment history, including how the balance and charge-off status were calculated.

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA.

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation