vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Hello, I purchased resin statues from an individual named XXXX XXXX, who is an employee of the company XXXX XXXX XXXX. We used PayPal for each purchase of goods and services. Some of the statues were delivered, but most were not, and no tracking has been provided. Shortly after, the seller in question asked me to claim my refunds through PayPal using the XXXX protection. I submitted the claims, with the evidence to PayPal, but without escalating the case, they closed the case in the seller 's favor. I've been going back and forth for months now with the employee XXXX XXXX about my different refunds, without any progress. I then called PayPal to try to get an explanation and find a solution. They refunded me XXXX of the cases due to the seller not providing any tracking number. Since that paypal said that it made an exception with the refund, and they are currently working with the seller. They are saying that they are currently working with the seller to get my money back. Every time I call, they said an answer will be given in XXXX  days, but it has been months already. 

Besides PayPal, a payment was made through XXXX and PayPal friends and family for the amount of XXXX, XXXX has been refunded XXXX is still owed. 

In late XXXX, I received a message from the actual website, XXXX custom studio, stating that the agent I was dealing with is no longer working for them. Then the company explained that they are taking FULL responsibility for everything that happened ( PayPal + XXXX payment ), and that they will refund everything. They are also claiming that their employee made the deal without them being aware, and that not all the deals are in the system. However, when I log in to my account, I can see all the purchases I've made through him. They said that they will talk to PayPal for a possible refund and reopen all the cases, and if no progress, they will directly send me the money on PayPal after XXXX to XXXX weeks. As of today, XX/XX/year>, I'm being ghosted and have no answer. 

Note that PayPal said that the seller has full possession of the money, but the seller claimed PayPal held their money. So I'm stuck in a position where MY money is being held and not returned to me, and the items I bought from them are not delivered : I include below the conversation with the agent, XXXX custom studio, and the PayPal cases. 

So there is : XXXX + XXXX + XXXX + XXXX from PayPal and XXXX from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: INTERCONTINENTAL EXCHANGE, INC.
State: FL

Complaint narrative:
Issue : Missing assignments, unreported activity, and potential misuse of XXXX  system. 

Subject : Missing XXXX  Reporting, Assignment Errors, and Possible Unauthorized Transfers Summary : XXXX  is listed as nominee on my Deed of Trust, but no XXXX XXXX assignment was recorded prior to the bankruptcy petition, despite being the originating XXXX  XXXX. XXXX XXXX recorder shows NO assignment of mortgage until years later indicating potential internal transfers never externally acknowledged. 
Ive requested the XXXX XXXX XXXX Report, but consumers are not allowed access. 

This internal report shows : transfers servicing changes investor changes electronic endorsements milestone flags certifying XXXX signatures Given the timeline inconsistencies, it appears possible that XXXX  assignments were executed without authority or post-petition. 

Violations : Failure to maintain accurate mortgage transfer records Failure to record assignments timely Potential unauthorized internal transfers Possible fraudulent execution of assignment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
There are negative items on my credit report that NEED TO BE REMOVED THEY are not accurate and i am not familiar with them. No company can show the proper documentation. I demand these negative items are removed per the FCRA and my rights. please see all attached info below. 

ALL INFO IS ATTACHED BELOW IN THE COMPILED PDF I HAD TO COMPRESS IT BUT PLEASE MAKE SURE THIS IS FULLY READ AND UNDERSTOOD I HAVE ATTACHED VERIFICATION DOCUMENTATION, FTC REPORT, LETTER EXPLAINING MY DISPUTE, AND A AFFIDAVIT OF TRUTH.

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 2025-11-17 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several inaccuracies on my credit report as reflected by the credit bureaus. The following accounts, including charged-off accounts, inquiries, positive accounts, and late payments, are in dispute due to errors, incomplete reporting, and discrepancies in the information reported. I respectfully request a thorough investigation into the following accounts. Please see the details for each bureau : Charged Off : XXXX XXXX XXXX, XXXX * * * *, XX/XX/XXXX, XXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Late Payment : 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 2025-11-17 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following account ( XXXX ) listed on my Equifax credit report, as I believe they are inaccurate and require correction. Below are the details of the accounts in question : Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} Issue : I believe this account is incorrectly reported, as it does not reflect accurate account history. 

UNAUTHORIZED COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Issue : This account is listed as an unauthorized collection, and I do not recognize this debt. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is incorrectly marked as charged off with a XXXX balance, which does not match my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I am submitting a dispute regarding inaccurate and incomplete information on my credit report. Below are the accounts that I am disputing with the respective credit bureaus : Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Nissan Motor Acceptance Company ( NMAC ) contacted me on XX/XX/year> and told me I qualified for a payment reschedule/modification. On XX/XX/year>, I spoke with an NMAC representative who confirmed my qualification and instructed me not to make any payments while the modification was being prepared and processed. I called again before XX/XX/year> to confirm, and was told a second time not to make payments. I followed these instructions in good faith. 

I signed the modification agreement on XX/XX/year>, and NMAC countersigned on XX/XX/year>, making it fully executed. There is no conditional or pending approval language in the signed contract. 

Because I followed NMACs instructions not to pay, my account later showed XXXX  days past due. This delinquency was caused entirely by NMACs guidance. 

On XX/XX/year>, a supervisor told me NMAC could not honor the modification because it was not done XXXX months before maturity, a requirement that does not appear anywhere in the agreement. The supervisor also gave me a disconnected fax number ( XXXX ) and an incorrect address ( XXXX XXXX XXXX ), delaying my dispute. 

Today, XX/XX/year>, I finally received a working fax number from Nissans Consumer Division. I successfully faxed my dispute, mailed a Certified Mail Return Receipt letter, and filed a complaint with Florida Consumer Protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: B9, Inc.
State: CA

Complaint narrative:
XXXX. CFPB COMPLAINT Subject : Complaint Regarding Bnine Unauthorized Charges, Misrepresentation, and Threatening to Seize Customer Funds To Whom It May Concern, I am filing this complaint against Bnine regarding unauthorized transactions, misrepresentation of services, and an illegal threat to seize my account balance. 

I enrolled in XXXX premium plan because they advertise that if I deposit my paycheck directly from my employer, I would qualify for an advance loan of up to {$1000.00}. I have had direct deposits since XXXX, yet Bnine never provided the loan advance they promised. 

Since XXXX, Bnine has been deducting {$19.00} every month, even though the service benefits were never delivered. I contacted Bnine to cancel the premium plan. Instead of honoring my request, the representative told me that if I cancel the plan, they will close my account and keep any money in my account, which is an illegal and abusive practice. 

Additionally, there were XXXX unauthorized transactions of {$100.00} each on my account. I reported these charges to Bnine, but they refused to refund me or investigate the fraudulent activity. 

Bnines conduct includes : False advertising and misrepresentation Unauthorized withdrawals Refusal to investigate fraudulent charges Attempting to seize customer funds as retaliation for cancellation Unfair and deceptive business practices I request the CFPB to investigate Bnine and require them to : XXXX. Refund the XXXX unauthorized {$100.00} transactions XXXX. Refund all {$19.00} monthly charges since XX/XX/XXXX. Stop threatening to confiscate my account balance XXXX. Provide written confirmation that my account will not be closed for canceling a subscription XXXX. Provide the services they advertised or terminate the plan without penalty Thank you for your attention to this matter. I am available to provide any documents, screenshots, or statements to support my complaint. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
I am requesting that TransUnion conduct a complete reinvestigation of the following charged-off accounts, inquiries, and late payments. Please ensure that these items are fully verified, and if they can not be substantiated with proper documentation, I demand they be removed immediately from my credit file. 

CHARGED OFF XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$0.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, {$14000.00} Please verify : The balance Charge-off date Account ownership If these accounts can not be verified with proper documentation, I demand they be immediately removed from my report. 

INQUIRIES 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 Please verify that these inquiries were authorized by me. If no documentation exists to show that I authorized them, I demand they be immediately removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: AL

Complaint narrative:
I am submitting this filing to the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of the following accounts on my credit reports. These accounts are being disputed for the reasons outlined below. 

Charged Off Accounts XXXX  XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$18000.00} XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$5800.00} XXXX XXXX  XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$18000.00} Late Payments XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On the night of XX/XX/year>, my wife XXXX XXXX XXXX attended a concert where her Wells Fargo debit card was held by the bar for payment. That same night, Wells Fargo sent her a suspicious activity alert after multiple large charges appeared on our account at XXXX AM, all going to XXXX. XXXX charges were for {$1900.00} and {$4900.00}. XXXX reversed the {$1900.00} charge, but the {$4900.00} was completed. Wells Fargo has denied my fraud claim, stating the transaction came from the digital wallet on my wife 's phone, although she and I did not authorize it and have no record of making these purchases. I immediately cancelled my card, received a new one, and filed a police report. 

I have : Cancelled my debit card and will receive a replacement. 
Contacted Wells Fargo to dispute the charges and provide all relevant information. 
Filed a police report for identity theft and unauthorized charges. 
Contacted XXXX and still waiting on a reply. 
Provided Wells Fargo with documents and explanations, but my dispute was denied.

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 2025-11-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I NEED HELP WITH HAVING THESE DATA FURNISHERS TO REPORT CORRECTLY. I SPOKE WITH XXXX IN XXXX AND I GOT INTO A FORBEARANCE. THIS CORRECTS AND UPDATES ANY LATE INFORMATION TO CURRENT AS STATED TO ME BY XXXX XXXX XXXX XXXX. I HAVE RECEIVED A LETTER STATING THIS XXXX WELL AND THE CREDIT BUREAUS XXXX YET TO UPDATE XXXX XXXX AND CORRECT ANY LATE PAYMENTS. PLEASE HELP ME AS THIS IS A VIOLATION OF MY RIGHTS AND I KNOW THEY SHOULD HAVE CORRECTED THIS ALREADY. I HAVE PROOF ATTACHED TO THIS COMPLAINT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: NC

Complaint narrative:
This is a XXXX XXXX  XXXX XXXX. No inactivity fee. Funds don't expire and card valid date is XX/XX/XXXX. 
XX/XX/XXXX - Attempted to check balance by internet at www.prepaidgiftbalance.com and calling number on card, XXXX. Entered card number and CVC code multiple times. Neither method recognized the card number and security code. By phone the recording indicated " We're sorry we can not locate an account with that number.... '' On website it simply says " Please try again. '' Tried filling out form online with the full barcode number and my personal information. Received this error : " Your request can not be completed at this time. Please contact the number on the back of the card. '' There is no way to contact support via the website or phone -- human or otherwise -- because the card number is not accepted via either means.

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 2025-11-17 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$230.00} - Date Opened : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: KS

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 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: KY

Complaint narrative:
Around XX/XX/XXXX I entered into a payment program with US Bank for my credit card. The system set up automatic payments which I believed to have been deleted. Apparently, an automatic payment was processed for XX/XX/XXXX. The app did not show this payment was pending when I ran a manual payment on XX/XX/XXXX. The app did not mention anything regarding the automatic payment so in my mind I was making one payment and that was it. The app is not very easy to use in terms of seeing scheduled payments, just easy to make payments. Today, I finally found where payments were scheduled because I received a payment reminder call, but I knew I made the payment the day before. When I looked back at the app and finally found the pending payments area, I realized that there was a double payment. Not once did US Bank send out an email to remind me of this " scheduled '' payment ahead of time so I could make the proper arrangements. When I spoke to customer service, all they could do was remove the interest for the month since they could not delete the duplicate payments. The app is misleading and does not help consumers make sound choices, and there should have been some sort of payment reminder via email or text. None of that ever happened, but the bank sent out a reminder email about my statement, that was all. So now, I have to deal with an NSF fee at my bank and all I got was {$34.00} taken off of the balance and not even the amount due, so I still have to deal with an NSF and move funds around to cover that. I feel like US Bank let me down with their poorly designed app and payment system. I did have the supervisor remove the bank account that should not be used anymore to protect myself. I should not have to protect myself from a bank.

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