vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase sent a letter regarding the {$2000.00} dispute charge, denying the dispute for the reason was because it was done face to face. I called and explain why I disputed the claim because of false representation due to mold and old food left by old customer. They informed me since it was a face to face transaction the claim was denied. This is a health hazard. I also provided them with pictures and they could not accept it because it could be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Hello, Im submitting this as a follow-up to my original CFPB complaint regarding PayPal. PayPal has now stated that their decision on my dispute is permanent and can not be undone, but they continue to avoid addressing the issues at the center of my complaint : I followed instructions from PayPal representatives that were misleading and ultimately placed me in danger. 
My personal information was shared with the individuals involved, which contributed to harassment, retaliation, and safety risks. 
When I reported that I was in danger, PayPal employees laughed, dismissed me, and refused to escalate my case. 
PayPal treated this as a standard XXXX XXXX case despite the fact that this involved exploitation, coercion, and criminal behaviornot a normal transaction. 
Their response does not address negligent misrepresentation, duty-of-care failures, or their handling of a vulnerable customer reporting safety threats. 

I am requesting that the CFPB escalate this complaint for supervisory review because PayPals responses are evasive, incomplete, and fail to address their harmful conduct. 

Thank you for your continued assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX has refused to delete the accounts after mailing them an affidavit ( XXXX ) via notary with presentment. 
XXXX has refused to delete the account ( XXXX ) after mailing them an affidavit ( XXXX ) via notary with presentment. 
XXXX XXXX has refused to delete the account after receiving an affidavit via notary presentment. 
XXXX XXXX, XXXXXXXX XXXX XXXX ( XXXX ), XXXX XXXX have all refused to delete the account after receiving an affidavit of notary presentment. 
See the attaached affidavits to actually see all the unfairness. 
Wells Fargo, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX are all committing tax fraud as I have mailed them an IRS accepted XXXX, hence the account is now considered income as per the IRS guidelines hence income shouldn't be reported to the credit bureaus. All these contract have been securitized hence the indentured trustee will be named in the pending upcoming lawsuit if these accounts aren't deleted. I have been damaged, see the XXXX attached/exhibits to prove I have been denied credit due to or partly due to these companies listed above. Federal rules of civil prosedure state more or less that I can use joinder ( XXXX ) to obtain XXXX lawsuit and include all companies that are in violation. If the companies aren't willing to do the right thing after contacting the CFPB then I will have no other choice but to file in court and I will be asking for damages of least {$63000.00}. Thank you for your time. I understand that things can sometimes slip through the cracks and this is a chance to do the right thing. 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 2025-12-02 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am responding regarding XXXX XXXX XXXX, which was closed. I am creating a new case because the issues were not resolved. I am also providing full authorization for the company to release, share, and disclose any information necessary for the CFPB to investigate and process my complaint. 

I want to make it clear that I do not own this account, I have already filed an FTC Identity Theft Report, and this account continues to appear on my credit report without proper validation or documentation. Because this matter involves identity theft and unauthorized reporting, I fully authorize the company to communicate with the CFPB and provide any records that may assist in resolving this dispute. 

This message serves as my explicit and complete authorization for the CFPB and the company to proceed with the investigation, share information, and address all issues raised in my complaint. I am requesting that the new case move forward immediately so this matter can be properly reviewed and resolved.

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 2025-12-02 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:
DEAR XXXX, I am requesting an investigation into inaccurate and outdated information being reported on my TransUnion file. I am simply trying to fix my credit, and these incorrect items are hurting my creditworthiness. Please verify everything under the FCRA. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX I dispute the accuracy of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-02 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: TX

Complaint narrative:
I am writing to formally dispute the listed accounts, which are not associated with me and were not authorized. Please remove them and complete a review. Documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any 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 2025-12-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
Acima hidden interests. I buy set of XXXX tire amount about XXXX. I know I passed the 3 month no interest if paid off but the hidden interest hitting me now is just double my initial purchase if paid all monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-02 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: AL

Complaint narrative:
I am a consumer requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these accounts with each credit bureau individually. Under the Fair Credit Reporting Act ( FCRA ), please verify all information and remove any item that can not be fully validated. 
Charged Off Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX * * * * * * * * * Opened : XX/XX/XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$550.00} Inquiries : ( No inquiries listed ) Late Payments : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-02 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This account is not mine. I was only an authorized user, not the primary account holder, and I am not responsible for this debt.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I sent a certified FCRA 623 ( a ) ( 8 ) direct dispute to Kikoff Lending regarding the account they are reporting on my credit file. In that dispute, I requested full validation of the account, including the original signed agreement, complete payment history, an itemized breakdown of the alleged balance, and proof that Kikoff has the legal right to report this account.

USPS tracking confirms that Kikoff Lending received my certified dispute, but they did not respond within the required 15 days as required under FCRA 623 ( b ). Kikoff has provided no documentation, no verification, and no investigation results of any kind.

Despite failing to respond, Kikoff Lending continues to furnish this account to the credit bureaus, which means they are reporting information that is unverified, potentially inaccurate, and in violation of federal law.

This failure to investigate and respond violates : FCRA 623 ( a ) : Duty to report accurate information FCRA 623 ( b ) : Duty to conduct a reasonable investigation upon notice of a dispute I am requesting CFPB assistance because Kikoff Lending is refusing to follow the law and continues to report an account they have not validated. I am requesting either full validation or immediate deletion from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: UT

Complaint narrative:
Received a balance transfer promotion from US Bank AAA Cashback card and called their customer service to inquire as to the process. With most banks you can send yourself the money ( and pay a fee ) electronically and I wanted to make sure. They assured me I could do that just put in my checking account number when it asked for the account. So I went and initiated the balance transfer. 

It is XXXX weeks later and the money has been pulled from the credit card account but NO MONEY HAS BEEN DEPOSITED ANYWHERE. I have called now SEVEN TIMES and each time sat on hold and spent way too much time on this. First they told me they SENT A CHECK to a bank but gave me an entirely wrong address of where the bank even is. Then they said they cancelled the check and initiated an electronic transfer to my checking account. However the money still didn't arrive so I called again. They said " all we see is the check was sent '' and had no info on the electronic transfer. The next person told me THEY CAN NOT DO ELECTRONIC TRANSFERS AT ALL AND IT CANT GO TO MY BANK ACCOUNT, which is the polar opposite of what I was told and why I did this! 

Now, not only do I have fees associated with the balance transfer, but because this took so long and the money is so late, I had to move money around in different accounts- which cost even more than their fees in terms of taxes, lost interest, and wire fees. AND THEY STILL HAVE NO IDEA WHERE THE MONEY IS! THEY TOLD ME XXXX NOW THAT A SUPERVISOR WOULD CALL ME BACK AND NO ONE HAS!!! 

This is absolutely ABSURD to allow a company like this to handle other people 's money!!! And they charge fees and make money on top of this in the first place, leaving consumers with XXXX options for recourse!!! Please do something!!!

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XX/XX/year>, I sent a certified dispute letter to XXXX XXXX XXXXXXXX regarding a collection account they are reporting on my TransUnion and Equifax credit reports. The letter was returned to me by the United States Postal Service stamped Return to Sender Not Deliverable as Addressed Unable to Forward. This shows that the address provided by the company and listed on my credit reports is invalid. 

Because the certified mail was undeliverable, I have no way to contact the company or obtain any validation of the alleged debt. The company is reporting information while being unreachable, which makes the account unverifiable. I also contacted the credit bureaus, but they failed to properly investigate the issue even after proof was provided that I can not reach the furnisher. 

Under the Fair Credit Reporting Act, any information that can not be verified must be removed. I am requesting that the collection account reported by XXXX XXXX XXXX  be deleted from my credit reports due to being inaccurate, unverifiable, and associated with an invalid address for the furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CT

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX  XXXX Account # : XXXX XXXX  Account # : XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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