vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: NY

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/2023 These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TN

Complaint narrative:
I am writing to formally request a copy of the 1099-C form for the debt cancellation of {$3900.00}, which was reported to the credit bureaus as written off. On XX/XX/2025, I contacted Discover to request the 1099-C form, as required by IRS regulations . According to the IRS guidelines, " Lenders must submit Form 1099-C : Cancellation of Debt to the Internal Revenue Service ( IRS ) when they forgive or cancel {$600.00} or more that a taxpayer owes. '' However, despite my request, I have not received the 1099-C form, nor have I received clarification on why this form was not issued.

In addition, it has come to my attention that Discover has reported to the credit bureaus that the amount of {$3900.00} was written off. Despite this, I have been informed that Discover is refusing to provide the 1099-C form, citing that the account does not show as written off on their end. This conflicting information has led to an inaccurate reporting of my account status, which I believe violates the Fair Credit Reporting Act ( FCRA ) provisions regarding the accurate reporting of account information to credit bureaus. 

I respectfully request that Discover immediately provide the 1099-C form for the canceled debt. Furthermore, I ask that you investigate and correct any discrepancies in the reporting of this account to the credit bureaus, in accordance with the FCRA and IRS requirements.

Please confirm receipt of this request and inform me of the steps you will take to resolve this matter. I appreciate your prompt attention to this issue and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
Im writing to inform you that there is an account listed on my credit report that I do not recognize. This account is completely unknown to me, and it appears to be a mistake or a case of mixed 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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I wrote a check ( # XXXX ) to XXXX of my agents for {$9100.00} for a XXXX XXXX XXXX he had earned. I placed the check inside a greeting card and took it to the US Postal Mailbox at the corner of our street.

The check never arrived at its destination but was fraudulently cashed on XX/XX/XXXX with altered recipient information. 
I noticed it on XX/XX/XXXX when I checked my account and realized after speaking with XXXX that the check had been " doctored with ''. 
Immediately I called the local branch of Wells Fargo to dispute the check. My account was frozen and outstanding checks were placed on stop payment. A fraud report was filed instantly. 
On the following Monday I closed the account and re-opened a new business account. I was told that the missing money might flow back into my account as there usually is a hold on a larger amount. I found out that day that the check was deposited electronically at XXXX XXXXXXXX XXXX 
I also filed a report with the Mail Fraud Department of the US Postal Special Service since the check was intercepted within the official mail system. Additionally, I filed a report with the local Police Department. ( XXXX XXXX Police Department ). 
On Saturday, XX/XX/year>, I received a letter from the Claims Assistance Center of Wells Fargo ( claim number # XXXX ) stating that they had completed their inquiry and found that the transaction was authorized and therefore my claim was denied and closed. 
I called the resolution department on Monday morning and spoke to a supervisor ( XXXX ). She basically told me that the check looked legitimate and that my signature matched those of other checks written, hence there was nothing else they would be able to do for me. I could escalate the claim to the next level but she insisted the check looked good to them. 
My signature on this check is absolutely mine, as I wrote the check but the recipient had been altered by whomever intercepted and deposited the check. 
The forgery is undoubtedly very good, which leads me to believe that this is not the first time this person has done this. However, I didn't do anything wrong and am now being treated as if I am lying. {$9100.00} is a lot of money that I can not afford to lose over no mistake on my end. I am a hard-working and honest person who has been banking with Wells Fargo for approximately XXXX years and there is no protection for the customer who fell victim to fraud. 
I implore you to please help me with this. I don't know if the person cashing other people 's checks will ever be caught but I don't feel it is fair letting crooks get away with this while innocent people have to pay for their scam.

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 monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Im put on a payment plan to pay back my loan but it is already showing closed and charged off but as of XX/XX/ it has yet to be repossessed and i still have possession of my vehicle. It should be reported on my credit as a payment plan or something along the line.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-02 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
Im reaching out because there is an account on my credit report that is currently in pending litigation. Given the legal circumstances, this account should not be affecting my credit report at this time.

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 2025-04-02 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: MOHELA
State: AZ

Complaint narrative:
MOHELASERVCN XX/XX/XXXX {$3200.00} XX/XX/XXXX {$7200.00} XX/XX/XXXX {$12000.00} XX/XX/XXXX {$4500.00} XX/XX/XXXX {$7700.00} XX/XX/XXXX {$11000.00} I am formally disputing my student loan due to a violation of the Family Educational Rights and Privacy Act ( FERPA ), which protects the confidentiality of student records. My personal and financial information was mishandled, constituting a clear breach of your responsibility to safeguard my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing this complaint against PayPal regarding a dispute over a recent transaction in which I was sold a misrepresented item and was subsequently denied proper reimbursement despite following all return procedures as instructed. 



I purchased a pair of XXXX XXXX XXXX headphones through XXXX from a seller who listed the item as " brand new. '' Upon receipt, I discovered the headphones were clearly usedthey arrived dusty, with visible glue residue, an expired XXXX warranty, and bent interior packaging. I immediately contacted the seller and filed a return request, but the seller failed to respond. 



To resolve the situation, I escalated the case to PayPal. After going back and forth with their message center and call center, a PayPal representative instructed me to return the item to a third-party XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX than to the original seller. 

I followed these instructions and paid {$25.00} out-of-pocket to ship the item via XXXX. During that same phone call with the PayPal representative, I was explicitly told that once I submitted proof of the return shipment and cost, I would be fully reimbursed for BOTH the item and shipping cost. 


I submitted all necessary documentation : the XXXX  tracking number, the receipt for the {$25.00} label, and photos of the item as I packed it. Despite this, PayPal issued me a {$25.00} voucher instead of a direct refund to my account. I did not request a voucher, and I do not accept this as resolution. 

When I reached out to PayPal 's Executive Office, I received no response. I followed up via multiple channels ( email, case messages, and chat ) and was repeatedly told PayPal does not reimburse return shipping, directly contradicting what their representative had promised me. 


This entire situation has caused me considerable distress. I should not be penalized or financially responsible for returning a product that was misrepresented by the sellerespecially after receiving clear instructions and reimbursement assurances from PayPal staff. 


I am seeking a full reimbursement of the {$25.00} return shipping cost, in addition of course to the returned item, refunded to my original payment method, as was promised to me. 



Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: NE

Complaint narrative:
I have paid {$4900.00} over 21 months on a {$11000.00} loan, 17.99 % APR, 119 month term. Principal balance remains {$11000.00}, statements show {$0.00} to principal. Lender says interest accrues daily but wont provide payment schedule despite request. Terms imply amortization.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: VA

Complaint narrative:
In XXXX, I lived at XXXX XXXX XXXX XXXX XXXXXXXX, managed by XXXX XXXX XXXX. My experience there was unsafe and traumatic my XXXX  XXXX was broken into, my personal car was stolen, and I was stalked by another resident. The final straw was when I was XXXX XXXX by XXXX women in front of my apartment building while walking my dogs, and staff did nothing to help. I filed a police report and was forced to move out for my safety. 

After I moved, the complex reported a debt of over {$3000.00} to collections an amount I never agreed to and which has never been explained to me. I have repeatedly requested a full breakdown of the charges but have never received one. I was also charged multiple fees related to a {$1000.00} payment, which was only submitted once. My bank confirmed there was only one authorized transaction, yet the management company tried to run the charge twice, causing the second attempt to fail and trigger returned check fees. These were not my fault. 

Despite many emails to the company explaining this and requesting clarification, I received no sufficient response or resolution. They also changed management systems mid-lease, which created major issues with the rent payment system and led to confusion and billing errors. I have documentation showing all of this, including emails, payment confirmations, and my police report. 

This debt was not valid, was never verified, and was directly tied to a situation where I was forced to flee for my safety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
I moved out of my apartment on good terms it showed I owed about {$460.00} I paid it a little late as I never got the letter my forwarding address was incorrect on the apartment end. But when I apply to apartments it shows as an eviction and the apartment complex is confused as well as the creditor but with apartment application is being ran through EXPERIAN and equifax. I have been getting denied for places when I dont have eviction

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 2025-04-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Email XXXX XXXX Date : XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX CA XXXX. Dear Experian, I've been affected by the data breach. The following accounts have been reporting negatively on my file. Please take a look at the attachments below. 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 2025-04-02 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: PA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX 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 2025-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA continued to send requests to my home address - where the first name is correct- but the last name is incorrect! 

Ive had the email Return to sender and Not at this address! but they continue to come!

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