vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 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:
Issue Summary : PayPal denied my dispute for a duplicate charge, despite clear documentation showing I was charged twice for the same XXXX XXXX order. I provided my bank statement, a paid receipt, and a letter from XXXX confirming they would not charge mebut PayPal closed the case and blocked my ability to appeal. 

-- - Details of the Complaint : On XX/XX/year>, I placed an order with XXXX XXXX and paid through PayPal. XXXX claimed they didnt receive the payment and refused to release my order unless I paid again. I paid a second timeresulting in XXXX charges for the same order. 

I submitted a dispute to PayPal and included : My bank statement showing both charges were withdrawn A receipt confirming the order was paid A letter from XXXX stating they would not charge me for the duplicate payment Despite this, PayPal denied the dispute and removed the option to appeal. I was left with no recourse and no refund. 

This experience has been frustrating and unjust. I trusted PayPals buyer protection policies, and I followed every step to resolve the issue. I am requesting that PayPal reopen the case, review the evidence, and refund the duplicate charge. 

-- - What Id Like to See Happen : A full review of my dispute by PayPal A refund of the duplicate charge A clear explanation of why the dispute was denied despite supporting documentation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-05 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: IL

Complaint narrative:
Some one used my information and open XXXX account I stay there for a couple months and used that address for mail I moved out and later found accounts under my name that one of my family members did .. not sure who did but I was not living there when it happened I was just receiving mail still there can u help

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 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GREENSTATE CREDIT UNION
State: TN

Complaint narrative:
his is my third attempt to obtain full validation from GreenState Credit Union. The company continues to furnish inaccurate and misleading data to the credit bureaus while refusing to provide proof of ownership or the complete accounting ledger I requested. GreenStates own response admits there are discrepancies between its records and the credit bureaus, yet it blames the bureaus and refuses to reinvestigate. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681s-2 ( b ) ) a furnisher must ensure maximum possible accuracy and conduct a reasonable investigationsimply repeating data from an internal system of record is not compliance. GreenState has also failed to provide a verifiable chain of title or ledger showing it still owns these debts after charge-off, which violates both FCRA 611 ( a ) ( 5 ) ( A ) and GAAP ASC 860-10-40. Reporting late payments and open balances after a charge-off is false and materially damaging to my credit. I am requesting that the CFPB escalate this matter for enforcement, compel GreenState to produce the full ownership and accounting trail, and direct deletion of all unverifiable tradelines from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This furnisher has repeatedly altered the reported balance of a previously closed account without legal or factual basis. The account originally reported a {$860.00} balance, which XXXX confirmed as {$0.00} in its written response to a CFPB investigation in XXXX. Despite that confirmation, the furnisher re-reported the account in XXXX with new verified balancesfirst {$860.00} again and now showing past due {$370.00}. This constitutes re-aging of a debt and false reinsertion of inaccurate information in violation of FCRA 1681e ( b ) and 1681s-2 ( b ).

The repeated changes in balance and status across reporting periods demonstrate the furnishers failure to maintain reasonable procedures to ensure accuracy. I request that the CFPB require immediate deletion of this tradeline from all credit bureaus and that the CFPB refer the matter to the Office of Enforcement for investigation of potential willful noncompliance.

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am writing to formally express my concern regarding the handling of a recent dispute involving unauthorized or fraudulent activity on my account, as well as broader issues with the Zelle platforms dispute resolution process. 

Despite being a regular user of Zelle and promptly reporting discrepancies when they occurred, both Zelle and my financial institution, XXXX, failed to adequately investigate my claims. I was informed that recovery of the lost funds was not possible and that tracking these transactions was unfeasible. This response is unacceptable and lacks the due diligence expected from financial service providers entrusted with consumer protection. 

My concerns are further amplified by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit, which highlights systemic issues with Zelles handling of fraud and dispute claims. According to the CFPB 's findings, Zelle has repeatedly failed to protect consumers from fraudulent activity and has allowed repeat offenders to exploit vulnerabilities in the system. This demonstrates a disturbing lack of accountability, transparency, and commitment to consumer safety. 

I am requesting a formal re-investigation into my claim, including a review of the transaction ( s ) in question, and a clear explanation of why the dispute was denied. I also request that this issue be escalated to the appropriate department for further review in light of the CFPBs recent findings. 

Please confirm receipt of this message and provide a timeline for response and resolution. I am prepared to escalate this matter to the CFPB and other regulatory bodies if a satisfactory resolution is not achieved. 

Sincerely, [ XXXX XXXX ] [ XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was on a website buying gift and some coins. It was for XXXX and something dollars. I moved the money over to my account went back to the webpage and checked out of my cart. When the cart page pulled up, it looked really weird and shabby not put together well. I could tell that there is something up or weird with this payment system. So my phone put my bank account information in automatically I freaked out I was able to delete that, but as soon as I deleted that my PayPal information filled in the screen and went through. However, instead of XXXX and something dollars they charged me XXXX and something dollars and when it went to PayPal it was split up One went to some XXXX XXXX name I couldnt even read and one went to another vendor. Half of my money was returned, but they saw {$120.00} from me. I called PayPal escalated it as far as as it would go and I lost and they said its because I called my bank immediately and canceled my credit card that is the reason they could not help me and they were not responsible? It makes absolutely no sense. I called XXXX XXXX and told that the same thing and they said that PayPal is 100 % responsible for the money And I lost through the bank as well when I sent my decision through. So the scammer was still supposed to send me something within six months. I never got it. They made up fake numbers. They did all this crazy stuff. I have screen pictures of and everything else. Long story short I ordered something They tried to rob my credit card once I pulled the credit card. They stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-05 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: NC

Complaint narrative:
FCRA violations Reinsertion 15 U.S.C. 1681i ( a ) ( 5 ) Permissible Purpose 15 USC 1681b Accuracy 15 USC 1681 ( e ) ( b ) and 15 USC 1681i5a Verification 15 USC 1681i7 I, XXXX XXXX, is a victim of Equifax data breach and having issues with unauthorized transactions that keeps being reinserted on my credit report. The entry is the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit report. The presence of the inaccuracy due to data breaches, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted all Federal and State agencies to assist me regarding this matter. This statement is true and not misleading, and I have not authorized to the reporting of fraudulent information, nor have I received proper notices of the erroneous accounts. I will hire a lawyer due to violations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX : Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX : Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
Warning About Venmo Tap to Pay ( by PayPal ) Do not use Venmo s Tap to Pay feature. Between false advertising, lack of support, and questionable handling of funds, this system checks every red flag. 
Venmo claims that funds will be received within XXXX minutes. 
A customer paid me over {$14000.00} for services. Venmo immediately took {$330.00} in fees, with no hold, and the charge cleared on the customers end. Yet a week later, my payment is still pending. 
After multiple calls where reps hung up, left me on hold, or couldnt help, I finally reached someone in escalations. She offered no solution and said to hang tight. When I asked for a manager, I was told that managers dont take calls and that they arent set up to do that yet. 
A 27-year-old tech company with no way to reach management? 
Venmo appears to be holding customer funds and collecting interest while providing no transparency or support. 
How many others have been affected?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: NY

Complaint narrative:
Subject : Chime withheld entire deposit without authorization, leaving me unable to buy food for my child Complaint : I am filing a complaint against Chime for unfair banking practices. 

On XX/XX/year>, I received a deposit into my Chime account. Without my authorization, Chime applied the entire deposit to cover a negative balance. This action left me with no money to cover essential living expenses, including food for my young child. 

While Chime agents informed me this is part of their policy, I was not clearly made aware that any deposit would be automatically taken in full to cover a negative balance without any ability to opt out or access even a portion of my deposit. This practice is predatory, causes extreme hardship, and disproportionately harms customers who are already financially vulnerable. 

I requested a reversal or a hardship accommodation, but Chime refused. I explained that this money was all I had left to feed my child, yet they declined to assist. 

This action has caused significant distress and left me unable to provide for my child. I believe Chimes policies and refusal to make exceptions demonstrate unfair and harmful practices that require regulatory review. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under UCC1-308 without prejudice I reserve all rights, I received several notices regarding a data breach that took place with these credit bureaus. I am monitoring this information and have made several attempts to contact a live representative and it's impossible to connect with anyone. I don't feel these companies have prioritized the personal data that it collects and markets for their benefit. My personal information has been compromised on so many occasions that I don't have any confidence in their setup and their ability to secure my personal information. I am requesting that these companies cease and assist with compiling any personal information. I've attempted to submit notice to this profile they've created to reserve all my rights under UCC. code 1-308 without prejudice and there's no way to submit documentation to these files that are composed by these companies who are frivolous and incapable of securing extremely private and personal information. I have absolutely NO CONFIDENCE IN THESE BUREAUS

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 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, my colleague deposited a check into our Wells Fargo account. Wells Fargo placed a hold until XX/XX/XXXX and advised me to contact the maker. 
On XX/XX/XXXX, the makers bank XXXX XXXX XXXX  ) confirmed that the account had sufficient available funds to cover the check in full. Despite this verification, Wells Fargo representatives stated that they can not lift the restriction internally and declined to review or shorten the hold.

I receive a check from this same issuer every month, and these deposits have never presented an issue. I have also been a Wells Fargo customer for over five years with a well-maintained account history.

Given that the checks originator is established, the funds were verified by the XXXX XXXX, and my account relationship is longstanding, I believe the extended hold through XX/XX/XXXX exceeds what is reasonably necessary under Regulation CC ( 12 CFR 229.13 ).

I respectfully request that Wells Fargo review the hold, explain the specific exception reason applied, and consider releasing the funds earlier or providing a written justification consistent with Reg CC requirements.

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 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has been trying to collect a debt from a third party who I have do not have an account with. I wish to have all derogatory entries placed against my credit removed from this company if they can not verify that they have the right to collect any said debt. I want verification of any debt owed to them or the proposed original credit showing my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
There are multiple companies trying to collect on the same said that like XXXX and resurgence and XXXX  theyre all sending me the same document saying I owe them the debt so I dont know what to do and they never sent me debt validation letters. I dispute them through XXXX  and they got deleted off my XXXX  credit reporting but then they show up on credit com and XXXX XXXX. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: AL

Complaint narrative:
Because of law 15 u.s code 1681a ( 4 ) this bankruptcy violated my rights to privacy and I would like it removed from my credit

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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I asked for a trial Experian app credit bureau info on the XXXX credit agencies. I asked to cancel before trial period was over yet I continue to be charged monthly. First, I thought it was free per the agencies one per year yet Ive never been able to access .. so at least o could evaluate the XXXX using this trial. I got the info and immediately asked for cancellation. Even with numerous attempts to get the refunds for the months they keep charging me $ XXXX month, Ive gotten no satisfaction. 
Im a senior XXXX  XXXX on XXXX  under the poverty level and {$50.00} is a lot of. Money I can neither afford to have thrown away/stoken, or keep getting charged each month. Im on top of my poor credit rating. Thats all I needed.

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 2025-10-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Subject / Short summary : Kia Finance continues billing after my vehicle was declared a total loss and the insurance company paid the full payoff amount. 

Detailed description : My leased vehicle, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), was declared a total loss on XX/XX/year>. 
The insurance company XXXX ( Claim # XXXX XXXX XXXX ) issued a total loss settlement payment of {$33000.00} to Kia Finance on XX/XX/year>, fully covering the remaining lease payoff. 

Despite this, Kia Finance XXXX XXXX Hyundai Capital America ) continues to charge me monthly lease payments and late fees. I have contacted both Kia Finance and XXXX multiple times, and both confirmed the total loss payment has been processed, but XXXX XXXX has failed to close the account and keeps reporting unpaid balances. 

I am requesting immediate intervention to : Stop all billing effective the total loss date ( XX/XX/year> ) Remove all late fees or false charges Provide a Final Lease Termination Invoice ( {$0.00} ) and Paid/Closed Letter Ensure my credit report is corrected if any negative marks were reported. 

I have attached proof of the XXXX Total Loss Settlement Explanation ( dated XX/XX/year> ) and can provide additional documentation if needed. 

Company name : Kia Finance America ( Hyundai Capital America ) Address ( for CFPB record ) : Kia Finance XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Website : 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 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinme Holdings, Inc.
State: HI

Complaint narrative:
I've had multiple attempts in fixing this issue with Coinme even reached out to the fraud department as I assume this was an employee exploiting there one sided no liability terms of use but I was shocked when the fraud department shut down my account permanently saying they will take no liability to the issue an that was the last I've heard I have all transactions and all the transcripts from trying to fix the issue with support I first believe it was negligence then I realized it's just plain fraud from this company using terms of use as a shield im willling to provide all my evidence on this matter at anytime please request these people are straight up stealing people 's money and nothing has been done IF CFPB WOULD LIKE MORE INFORMATION ICLUDING TRANSCRIPT FROM SUPPORT AND TRANSACTION IDENTIFIRES WITH SCREEN SHOTS FROM COINMES WEBSITE PLEASE REQUEST IT FROM ME....

Company response to consumer: Closed with explanation