vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: CA

Complaint narrative:
The loan amount is for only {$400.00} and Ive paid on time every week for the 6-7 weeks, so far Ive paid {$570.00} and this week another payment is about to go out for {$96.00}. I try to ask for a settlement amount because I want to be done paying it and I feel like this loan company is taking advantage for a {$400.00} loan the total amount after 4 more payments would be a total of {$960.00} which is {$560.00} that they would make. Theyve made enough and Ive paid on time. This company isnt reasonable with their loan payoffs and Im in financial hardship. Now that Im trying to log back into the portal its saying my account isnt found.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I sent a wire for {$10000.00} from XXXXXXXX XXXX to Chase Bank at XXXX on XX/XX/year>. The account that it was sent to, Chase Account # XXXX, is an account that is unable to accept wire transfers ( Chase Secure Banking - Checking ). I verified with XXXX XXXX, XXXX  Chase branch XXXX XXXX XXXX that the receiving account rejected the wire and posted a " return '' on the same day. We have requested the new XXXX number for the return wire to XXXX XXXX  from Chase but they have denied providing that information to both me and XXXX XXXX  's wire department.

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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
disputed XXXX collection accounts reporting on my XXXX credit report : XXXX XXXX XXXX ( XXXX account XXXX XXXX  XXXX ) Portfolio Recovery Associates ( XXXX account XXXXXXXX XXXX  XXXX ) XXXX  responded claiming the furnishers verified the accounts, but neither furnisher provided ANY documentation required under FDCPA 809 ( b ) or FCRA 602A & 611 . 

I still have not received : A signed contract or agreement Proof I opened these accounts Any itemized charges A valid chain of custody showing ownership of the debt Accurate date of first delinquency Proof of last payment ( both show dates before the account was even opened ) The only thing provided was a data printout, which is NOT lawful verification. 

Additionally, the furnishers modified and updated the accounts with new fields during reinvestigation, including date of major delinquency, historical information, and scheduled payments, which indicates the original reporting was inaccurate. 

I am requesting that CFPB require : XXXX. Full validation of both debts with original documentation, OR XXXX. Immediate deletion for failure to provide proper verification. 

Both accounts are reporting inaccurate and unverifiable information and remain in violation of FDCPA 809 ( b ) and FCRA 611.

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: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: UT

Complaint narrative:
Have been calling the bank with the same issue since XX/XX/year>. They told me a supervisor would call me back within XXXX hours and no one has. I have made over XXXX calls now and my issue is still unresolved. This is horrible and an organization that operates this way should not have so much power over consumers ' money. Every time I call a rep tells me something COMPLETELY different and the last one said she could do nothing and I had to wait XXXX hrs for a supervisor callback and of course they never called

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: EQUIFAX, INC.
State: CA

Complaint narrative:
The reporting does not appear accurate or complete and misrepresents my financial record. I respectfully ask for investigation and correction.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
y report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please remove mentioned hard inquiry from my credit report its not mine and it is fraudulent

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I do not recognize these inquiries, and they appear to be unauthorized. I respectfully request a prompt investigation and resolution. Supporting documents are enclosed for reference.

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: MD

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 2025-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I purchased a series of items from a seller using my paypal account on XXXX. 

Items never arrived, seller provided fraudulent and/or inaccurate tracking saying they did arrive. ( XX/XX/XXXX ) of last month. Tracking pdf that was sent said that I signed for the items and that they were delivered. I never signed anything, my individual PO was empty, and the communal mail room was empty. I checked several times. Additionally, when I purchased from this seller in the past, I never had to sign.

Asked paypal to give me my money back since I never received the items. They gave me money for one item, and denied the others. I appealed their decision. Because I appealed their decision, they limited my account, and are not letting me have my account back in use until I give money to the seller who never sent me the items I purchased.

I have been a loyal paypal account user and customer for 10. Very disappointed. They also have no phone line allowing me to speak to an agent. It is all AI.

Company response to consumer: Closed with 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: HI

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing in my capacity as a secured party creditor regarding the following account reporting inaccurately on my TransUnion credit file : Creditor / Account Name : XXXX XXXX  Account Number : Despite my prior disputes submitted on [ Insert Date ( s ) ], TransUnion has refused to conduct a reasonable investigation and continues to report unverified and inaccurate information, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

As a secured party creditor, I formally demand immediate deletion of this account from my TransUnion credit file. Under UCC Article 9 and applicable federal law, I maintain full rights to challenge, revoke, or demand correction of any unverified obligation. TransUnions failure to verify the account with documented proof from XXXX XXXX renders the account unverified, inaccurate, and invalid, requiring immediate removal. 

Demand for Immediate Action : 1. Delete the XXXX XXXX  account from my TransUnion credit file immediately. 


2. Provide written confirmation of deletion to me. 


3. Cease reporting this account unless it can be fully verified with documented evidence from XXXX XXXX. 


4. Acknowledge my secured party creditor status in all future communications regarding this account. 



Failure to comply with this demand may result in legal action under FCRA, UCC, and other applicable federal statutes to enforce my rights and seek damages for any continued reporting of unverified, inaccurate information.

I declare under 28 U.S.C. 1746 that the foregoing is true and correct. 

Respectfully submitted, XXXX XXXX ucc XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a credit card statement for the amount of {$1600.00} via email from my Best Buy Credit Card. However, I thought it was a phishing attempt, given the fact that I have not used this store card since XXXX. I went to check my account on XX/XX/XXXX and did see the charge, and I saw via my account that the purchase was made at the XXXX XXXX on XXXX, XXXX, TX, on XX/XX/XXXX. I did not go into that store on that day, so the purchase was not from me. I do not have any authorized users, and the card was secured in a safe in my home. The person who committed the crime used my information to look up the card and purchase the item. The item was later returned to XXXX XXXX in Delaware on XX/XX/XXXX, and the money was used to purchase another item and get store credit. 

I reported this fraudulent activity to the company on XX/XX/XXXX and XXXX. They have opened an investigation into this activity, and I have also closed the account. This was a fraud crime was committed on a " My Best Buy Credit Card '' managed by Citibank.

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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
On XX/XX/year> I returned an email from LVNV FUNDING LLC, And requested they provide a debt validation letter under 15 U.S.C 1692g and the company LVNV FUNDING LLC, Failed to provide any information that was requested. On XX/XX/year> the company LVNV FUNDING LLC, had again reported on my credit score without the 15 U.S.C 1692g verification this violated the Fair debt collection practices act if you request to any debt collector, the collector must pause all communications with a timely manor to notify you of your request under 15 U.S.C 1692g and unfortunately LVNV FUNDING LLC, just keeps reporting to the credit bureau like the 15 U.S.C 1692g does not apply to their company,

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: Experian Information Solutions Inc.
State: AE

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Hello, I am addressing my previous claim ( XXXX ) regarding Cash Apps failure to conduct a reasonable investigation under Regulation E ( 12 CFR 1005 ) and Consumer Financial Protection Act with new essential details. I spoke with and received a letter from Cash Apps representative who directly implicated that they returned the debit transaction back to XXXX XXXX, on XX/XX/XXXX and provided Return Code XXXX No Account/ Can not Locate and a return trace number in which Cash App refused to analyze comprehensively which was always apparent to them. Cash App incorrectly created a negative ledger on my account which caused my later deposits to unlawfully offset the negative balance which directly violates Regulation E. So, therefore Cash Apps representatives provided contradictory statements in addition to ignoring ( over the course of 4 months ) the underlying issue at hand, especially since the supervisor XXXX acknowledged the system deduction after a declined transaction by saying on XX/XX/XXXX and the funds were pulled from your Cash App balance. This resulted your Cash App balance being negative before adding {$13.00} on XX/XX/XXXX and Please reach out to your bank directly if youre having issues with the declined payment which again, violates Regulation E error resolution standards.

Company response to consumer: Closed with explanation