vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the dent violation/damage notice issued to me on [ insert date ] regarding [ vehicle/unit/property ]. After reviewing the claim, I believe this violation was issued in error and respectfully request a full investigation and removal of the charge.

The alleged dent/damage did not occur under my responsibility, and I did not cause any damage during the time the vehicle/unit/property was in my possession. Prior to receiving this notice, no issues were communicated to me, nor was I provided with verified documentation or time-stamped evidence showing the condition before and after.

To support my dispute, I am requesting : 1. Clear photos or video evidence of the alleged dent/damage 2. Documentation showing timestamps proving when the damage occurred 3. Inspection reports conducted before my use or occupancy 4. Any written statements from staff associated with the claim Until this information is provided, I respectfully request that the violation and any associated fees be placed on hold or removed entirely. 

I take pride in maintaining responsibility and ensuring all property under my use is kept in proper condition. Based on the information I have, I firmly believe this charge is inaccurate. 

Please respond within 10 business days with confirmation that the claim has been reviewed and corrected. I am available at [ your phone number ] or [ your email ] for any further clarification. 

Thank you for your time and prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: UPGRADE, INC.
State: SC

Complaint narrative:
UPGRADE INC Inaccurate, Unverified, and Potentially Fraudulent Account Reporting Violations : FCRA 602A, 604, 605B, 609, 611, 616, 617, 623 ( a ) ( 1 ) ( A ) I am submitting this rebuttal regarding the UPGRADE INC account still appearing on my credit reports with XXXX XXXX XXXX XXXX  The companys response to my complaintstating that I may have been a victim of fraudsupports my original dispute and confirms that Upgrade can not validate, document, or legally substantiate this account. 

This admission directly aligns with my ongoing disputes, which have been filed repeatedly and most recently reinvestigated by the credit reporting agencies in XX/XX/year>. At no time has Upgrade produced application records, identity verification documents, signatures, or any substantiating evidence linking me to this account. 

The company can not simultaneously claim the account may be fraudulent and continue to allow it to remain on my credit reports. 

The credit bureaus ' XX/XX/year> reinvestigation failed to correct the inaccurate reporting. Upgrade has never provided validation despite multiple opportunities. 

If they can not verify itand their statement implies they cannotthe account must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had my phone stolen in XXXX XXXX. The person who stole it used two paypal accounts to transfer {$1000.00} multiple times. The accounts were XXXX and XXXX I made them aware of this and provided all the requested information and the person i talked to on the phone said that what I provided was enough, but promised to call me the next day to update with a police report I filed. They did not call me back. I provided information showing that I blocked the phone, reported it to my mobile service XXXX, a receipt for the new phone i bought and the email from XXXX  that they agreed that the charge they sent through XXXX  was determined fraudulent. Paypal still is stating that the transactions are consistent with my account. I have never sent anyone that amount of money or close to it. I generally use my PayPal  for XXXX or small purchases under {$100.00}, so having multiple {$1000.00} transactions is not normal at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MECHANICS BANK
State: CA

Complaint narrative:
I am submitting a complaint regarding inaccurate and unlawful credit reporting by XXXX XXXX XXXX. XXXX is reporting an auto loan deficiency balance of approximately {$1300.00} related to an account originally financed through Mechanics Bank. The information being reported is incorrect, incomplete, and unverifiable. 

The vehicle associated with this account was not repossessed by the lender. Instead, it was impounded by law enforcement and transferred to a third-party tow yard, where it still remains. The vehicle has not been sold at auction, and no statutory notices required under UCC Article 9 ( right to redeem notice, sale notice, auction disclosure, or deficiency calculation ) have ever been provided to me. 

After the impound, Mechanics Bank discussed a verbal settlement agreement with me regarding the remaining balance, and after this communication, they stopped sending written notices. I later discovered that the alleged debt was transferred to XXXX without any written notification, documentation, or explanation, and the reported balance was increased to more than double the original amount without any accounting records or supporting information. 

XXXX has failed to provide : Proof of sale of the vehicle Auction records or bid sheet Sale price or accounting calculation Legally required deficiency notices Documentation proving balance increase Proof of lawful transfer and chain of assignment Under UCC Article 9, a deficiency balance can not legally exist until after a lawful sale occurs and proper notices are issued, and reporting an unverified deficiency is a violation of FCRA 607 ( b ) accuracy requirements.

This debt is being reported without lawful basis, proper validation, or supporting documentation. I dispute the validity and accuracy of the information being furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXXVehicle repossessed illegally XXXX XXXX XXXXCheck cashed XXXX XXXX XXXX payment numberXXXX1. Improper Notice:\n   I did not receive proper notice prior to the repossession of my vehicle. According to [specific laws or regulations applicable in your state, if known], I was entitled to receive notice regarding any potential repossession. Instead, the vehicle was repossessed without my knowledge or the opportunity to remedy the situation.\n\n2. Funds Intended to Bring Account Current:\n   During the recovery period, I provided XXXX  to Navy Federal Credit Union, which was meant to bring my account current. However, the company failed to apply this amount to my account. I expected these funds to be credited appropriately, thus allowing me the opportunity to retain ownership of my vehicle, but Navy Federal did not take the necessary actions.\n\n3. Auction of Vehicle:\n   Following the repossession, my vehicle was subsequently sold at auction. I was informed that the company attempted to stop the unauthorized sale at the auction; however, it was too late. This sale was conducted despite my attempts to resolve the outstanding payment, and the failure to apply the funds contributed to this unfortunate outcome.\n\n4. Impact on My Credit and Finances:\n   The illegal repossession and sale of my vehicle have significantly impacted my financial stability and creditworthiness. Losing my vehicle placed a strain on my ability to work and manage daily responsibilities. Furthermore, the improper handling of the funds has created additional financial challenges.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
Experian is reporting multiple accounts inaccurately, including a fraudulent XXXX account that I did not open or authorize. Experian failed to perform a lawful reinvestigation under FCRA 611 and continues to report unverifiable, re-aged, inconsistent, and chronologically impossible negative information. 

Accounts include : XXXX FRAUD XXXX Charged-off with impossible payment history XXXX Re-aged charge-off XXXX  XXXX Inaccurate late payments XXXX XXXX XXXX  Incorrect late payments XXXX XXXX XXXXXXXX Mixed and duplicated derogatory information I submitted a formal dispute to Experian, but they returned a generic response without providing method of verification as required by FCRA 611 ( a ) ( 6 ) ( B ). I am requesting the CFPB to intervene and require Experian to delete all unverifiable and fraudulent information and comply with FCRA accuracy obligations.

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 2025-11-21 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 this follow-up complaint regarding the continued reporting of inaccurate information on my credit reports from Experian, Equifax, and TransUnion, despite my previous disputes and requests for correction or removal. My addresses continue to be incorrectly reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, violating FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) ). Accounts are still inaccurately reported as late closed, including XXXX  XXXX ( Experian, Equifax, TransUnion ), XXXX XXXX ( Experian, Equifax, TransUnion ), and XXXX XXXX XXXX XXXX ( Experian, Equifax, TransUnion ), and charge-offs remain unverifiable, such as XXXX XXXXXXXX ( Experian, Equifax, TransUnion ) XXXX in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 1681c-2. Unauthorized or inaccurate inquiries, including EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX across all three bureaus, continue to appear without permissible purpose, violating FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) ). These inaccuracies have persisted despite my prior disputes, causing ongoing financial harm, misrepresenting my creditworthiness, and negatively impacting my ability to access credit and financial services fairly.

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
It has now been over 6 months since I filled my dispute with eBay MasterCard. I was charged {$6500.00} for something that you can not use in the United States. I explained I was not told about this when I made the purchase for ai software to buy stock. Also I keep getting harassed by credit card company with payment reminders even though I pay on time each month.

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 2025-11-21 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 this complaint regarding multiple persistent inaccuracies on my credit reports from Experian, Equifax, and TransUnion, which continue to misrepresent my identity, addresses, financial obligations, and creditworthiness in violation of the Fair Credit Reporting Act. My name is incorrectly reported as XXXX XXXX XXXX ( Experian ), XXXX XXXX XXXX ( Experian ), and XXXX XXXX ( TransUnion ), violating FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) ). My addresses are also inaccurate, appearing as XXXX XXXX XXXX XXXX XXXX, TX XXXX ( Experian ), XXXX CANTURA MLS CONVERSE, TX XXXX ( Experian ), and XXXXXXXX XXXX XXXX  TX XXXX ( TransUnion ), which similarly violates the same FCRA provisions. Multiple charge-offs are reported without verification, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a Balance Owed : {$25000.00} ( Experian, Equifax, TransUnion ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a Balance Owed : {$22000.00} ( Experian, Equifax, TransUnion ) XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a Balance Owed : {$8900.00} ( Experian, Equifax ) * *, in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 1681c-2, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) ) due to lack of proper verification or supporting documentation. Additionally, several inquiries are appearing without my authorization, including XXXX XXXX XX/XX/year> ( Experian ), XXXX XX/XX/year> ( Equifax ), XXXX XXXX XX/XX/year> ( TransUnion ), and XXXX XXXX XX/XX/year> ( TransUnion ), in violation of FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) ), as these inquiries were reported without permissible purpose. Despite multiple prior disputes, all of these inaccuracies remain, causing significant harm, misrepresenting my credit profile, and negatively impacting my ability to access credit and financial services.

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 2025-11-21 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Phone : XXXX Date : XXXX XXXX Re : Unauthorized Hard Inquiries Request for Investigation Under FCRA 604, 606, 609 & 611 To Whom It May Concern, I am filing a complaint regarding several unauthorized hard inquiries that appear on my Experian credit report. I did not grant permission, initiate applications, or authorize these companies to obtain my consumer report on the dates shown. 

The inquiries in question are : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> XXXX / XXXX XXXX XX/XX/year> Under FCRA 604 ( a ), a consumer reporting agency may only furnish my credit file when a company has a permissible purpose AND when the consumer has provided clear authorization.

I have never provided these companies with written, electronic, or verbal authorization to access my credit report on or near the dates listed.

Under FCRA 609 ( a ) ( 1 ), I am requesting complete verification of each inquiry, including : Documentation of the application or authorization supposedly used The exact permissible purpose claimed The identity of the party who requested the report The method of verification provided to Experian Under FCRA 611, if ANY furnisher can not provide the required documentation, the inquiry must be removed immediately.

At this time, none of these companies have provided proof I authorized the inquiries. If the furnishers can not produce legally acceptable documents proving permissible purpose, I am requesting the CFPB to compel their compliance and require deletion of every unverified inquiry.

I have attached : A copy of my Experian report showing the inquiries My identity documents My prior dispute submissions Screenshots showing I did not apply for credit with these companies I am requesting a full CFPB investigation into these unauthorized inquiries and the lack of proper verification.

Thank you for your assistance. 
Sincerely, 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 2025-11-21 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Phone : XXXX Date : XXXX XXXX Re : Unauthorized Hard Inquiries Request for Investigation Under FCRA 604, 606, 609 & 611 To Whom It May Concern, I am filing a complaint regarding several unauthorized hard inquiries that appear on my Experian credit report. I did not grant permission, initiate applications, or authorize these companies to obtain my consumer report on the dates shown. 

The inquiries in question are : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> XXXX / XXXX XXXX XX/XX/year> Under FCRA 604 ( a ), a consumer reporting agency may only furnish my credit file when a company has a permissible purpose AND when the consumer has provided clear authorization.

I have never provided these companies with written, electronic, or verbal authorization to access my credit report on or near the dates listed.

Under FCRA 609 ( a ) ( 1 ), I am requesting complete verification of each inquiry, including : Documentation of the application or authorization supposedly used The exact permissible purpose claimed The identity of the party who requested the report The method of verification provided to Experian Under FCRA 611, if ANY furnisher can not provide the required documentation, the inquiry must be removed immediately.

At this time, none of these companies have provided proof I authorized the inquiries. If the furnishers can not produce legally acceptable documents proving permissible purpose, I am requesting the CFPB to compel their compliance and require deletion of every unverified inquiry.

I have attached : A copy of my Experian report showing the inquiries My identity documents My prior dispute submissions Screenshots showing I did not apply for credit with these companies I am requesting a full CFPB investigation into these unauthorized inquiries and the lack of proper verification.

Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I overdrafted my Citizens Bank account by approximately {$160.00}, but the bank charged me {$170.00} in overdraft fees. The total fees were higher than the amount of the actual overdraft. 

I contacted customer service and told them that I was expecting a direct deposit that didnt go through. I told my manager at work and they gave a check for my pay and I intended to deposit it. Then, a supervisor reviewed the account. They only refunded one {$35.00} fee, leaving the remaining fees in place. When I asked for an escalation or internal complaint review, the supervisor told me there was nothing else they could do refused to escalate the matter, and stated that there was no one else who could call me because there was nobody else higher at the call center and I asked about other people and he said nobody that he could get me in touch with. I was prevented from escalating the issue to a higher department.

I am experiencing financial hardship and am currently unemployed, and these excessive overdraft fees are creating a serious burden. I am not disputing the overdraft itself, but the fees charged do not match the overdraft amount and I was denied access to any escalation process. I even changed my account to a non overdraft account. I told them I would not deposit my check because it would not even cover the balance and I would still owe at the end. This happened in 2 accounts. 

I am requesting a fair review and refund of the remaining overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I got a Middle Class Tax Refund card during covid. The card is not expired and is active according to XXXXXXXX XXXX They made it impossible to access my money. I cant use the card, and I cant extract the money.

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