vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-13 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:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE..

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 2026-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On or about XX/XX/year>XXXX XXXXXXXX ( XXXX ) XXXX transferred {$1100.00} to XXXX XXXX via XXXX. XXXX XXXX account only reflected {$970.00} received ; which she transferred to her banking account on XX/XX/year>. Both XXXX XXXX and XXXX XXXX contacted XXXX regarding the error. On XX/XX/scrub>XXXX XXXXXXXX charged XXXX XXXX {$180.00} as a recovery payment.instead of paying XXXX XXXX the {$180.00} difference between the amount XXXX XXXX sent and the amount XXXX XXXX received. XXXX XXXX called XXXX and spoke to XXXX who acknowledged XXXX error. However, to-date, XXXX HAS NOT deposited the {$180.00} owed XXXX XXXX into her XXXX account. XXXX ( XXXX XXXX gave the control number : XXXX for this issue. XXXX owes XXXX XXXX {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
This complaint concerns violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate and unverified information being reported on my credit report. Under the FCRA, companies that furnish or report information to consumer reporting agencies are required to ensure that the information they report is complete, accurate, and properly verified. The account ( s ) listed in my dispute are not 100 % accurate and appear to be reported without proper verification. I formally disputed these account ( s ) and requested that the company conduct a reasonable investigation and provide documentation verifying the accuracy of the information being reported. However, the company has failed to provide sufficient evidence that the account is valid, accurate, and legally attributable to me. Because the information being reported is inaccurate, incomplete, and unverified, the continued reporting of these account ( s ) constitutes a violation of the FCRA. These actions have caused damage to my creditworthiness and have negatively impacted my financial standing. Consumers are protected under federal law from inaccurate or improperly verified credit reporting. Companies have a legal obligation to investigate disputes and correct or delete information that can not be verified as accurate.

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 2026-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Experian Information Solutions , XXXX XXXX XXXXXXXX XXXX Equifax Information Services LLC This complaint is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), which requires consumer reporting agencies to block information resulting from identity theft within four ( 4 ) business days of receiving proper notice and an identity theft report. I am formally requesting that Experian immediately block and remove fraudulent information appearing on my consumer credit report. The fraudulent information includes : A derogatory/collection account reported under XXXX XXXX Account number ending in XXXXReported open date : XX/XX/year> Associated hard inquiries related to this account. Any related collection accounts stemming from this fraudulent account. I did not open, authorize, initiate, or benefit from this account, nor did I authorize any associated inquiries. These accounts and inquiries are the result of identity theft. Attached to this complaint is : A copy of my FTC Identity Theft Report ( with case number ) A copy of my credit report highlighting the fraudulent items A list of the unauthorized hard inquiries. Under FCRA 605B, Experian, XXXX XXXX and Equifax Information Services LLC is required to Block the fraudulent information within four ( 4 ) business days. Notify the furnisher of the information that it has been blocked. Failure to comply with these statutory obligations constitutes a violation of federal law. I am requesting an EMAIL confirmation that the fraudulent accounts, collections, and hard inquiries have been blocked and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MA

Complaint narrative:
XXXX, XXXX and man I do not know scammed in half my Cash App account yesterday and took all of my money out of my banking account. He had probably done this to XXXX XXXX probably even XXXX of customers I do not know how he did this possible act but my debit card was linked to my Cash App account and as of right now Cash app is going through a major lawsuit. Where about XXXX of customers have been a victim of getting their accounts wiped out due to their debit or credit cards being linked to the cash app cards and other fraudulent fraud actions that happen throughout Cash App. I have lost {$1000.00} in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Re : DEBT VALIDATION REQUEST - DISPUTE OF ALLEGED DEBTS File # XXXX and File # XXXX - Alleged Creditor : XXXX XXXX XXXX XXXX. To Whom It May Concern : I am writing in response to your text message communications regarding the above-referenced file numbers. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting validation of these alleged debts within thirty ( 30 ) days of your receipt of this letter. I DISPUTE THESE DEBTS IN THEIR ENTIRETY. I do not recall ever purchasing anything from XXXX XXXX XXXX XXXX, and I do not believe these alleged debts are mine. Furthermore, I am aware that XXXX 's XXXX filed for Chapter 7 bankruptcy and closed all retail locations in XXXX. As the original creditor is now defunct, I question your ability to properly validate these alleged debts. This is what I sent. I get random texts from this company and sometimes calls from hidden numbers. Never mail. The text messages were not at appropriate times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
The last few months I have had a lot of purchases on my account that I didnt make. They have all been online purchases. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have had to get like XXXX new cards. Its very inconvenient and then the bank rejected some of the disputes and my acct isnt adding up. I would like my money back. I never let anyone use my card. Its always in my possession so I dont understand why all of a sudden Im having these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
I opened an account with XXXX in XX/XX/XXXX. My limit was {$500.00}. I use the card almost daily to pay my normal bills and then pay those bills off once they are posted to the account. I have dont this since I opened the account. I do this to avoid giving my debit card # to merchants and to avoid a balance reporting to my credit report. I would think this would be a good thing. On XX/XX/XXXX, my account was closed for unexpected activity. I spoke to someone XX/XX/XXXX and they questioned my payments that are coming from a VERIFIED CHECKING ACCT / debit card and purchases. I verified everything was valid. The next day the card was closed and only part of the annual fee was refunded. I didnt get the card to have it a few months. The entire fee needs to be refunded and they need a better explanation than I paid too often. The XXXX was not helpful at all.

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 2026-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I opened special financing credit card from floor and decor for XXXX $ as I purchased tile. XXXX XXXX XXXX representative offered special financing credit card and those money had to be divided for 12 months and paid off. Instead bank only charged my bank account minimum payment fees each month and after 12 months they retroactively applied fees for the whole amount from the beginning and started to charge each month fees and payment. Nobody told us about it. I already had prior special financing credit card from them when I purchased my mattresses and money were divided for 24 months we paid off and never paid any fees. This time also special financing but money werent divided and only paid minimum payment fees.

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 2026-03-13 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: OK

Complaint narrative:
I am filing a complaint regarding an unauthorized auto-renewal for a XXXX XXXX XXXX XXXX with Best Buy. The service renewed automatically without my authorization. When I contacted customer service to dispute the charge, I was told that I was outside their 90-day refund window and was only offered a partial refund. I did not authorize the renewal and should not be responsible for the charge. Despite disputing the charge, the account was sent to collections and reported to credit bureaus. This has negatively impacted my credit score. This account relates to an unauthorized auto-renewal for a XXXX XXXX XXXX . The account appears under a former name that is not my current legal identity. I dispute the accuracy of this reporting and request verification of authorization for the renewal I have spent significant time attempting to resolve this matter through customer service, but representatives have repeatedly stated that nothing can be done beyond a partial refund. Because the renewal was unauthorized, I am requesting the following : A full refund of the disputed charge Immediate withdrawal of the account from collections Removal of any negative credit reporting related to this account I believe sending an unauthorized charge to collections and damaging my credit report is unfair and improper. I am requesting that Best BuyXXXX XXXX investigate this matter and correct my credit reporting. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
There are, criminals, hacking my cell phone SIM numbers.They or the ceo have closed my cards for no reason. They are criminals who are hacking my cell phone numbers of XXXX XXXX, XXXX, and XXXX. They have closed my card ending in XXXX. They are ruining several accounts.I was never late on any of my credit cards.I have to update my credit payment to a different bank. I usually use XXXX to pay my cards however a criminal have hacked both of the accounts. I've had had this card for 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I found that Nelnet is reporting against me on my credit report. I have tried repeatedly, on multiple occasions to contact them, and every time it says it is transferring me the call drops. I am unable to do anything online, they have an old phone number and there is no way to update it without calling, and the only way to retrieve my username or password is through a phone number. It has been multiple months now that I have been reported against with no way to rectify this when all I need to do is sign up for the income based repayment program! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 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: NM

Complaint narrative:
Subject : Unauthorized Transaction and Improper Dispute Denial I am submitting this complaint regarding an unauthorized transaction on my XXXX account. A few days before the fraud occurred, I attempted to make a payment on a website related to a dating service. During the checkout process, I entered my card details and billing address. However, when I tried to complete the payment, the website displayed a message saying Payment Failed and the transaction did not go through. After several days, I noticed that approximately {$510.00} had been withdrawn from my XXXX account without my authorization. I did not approve or authorize this transaction, and I did not receive any service or product related to this charge. I contacted customer support and complained that I did not authorize these. They accepted my dispute and rejected it a few days later. This transaction appears to be the result of my card information being compromised after entering it on a website where the payment attempt failed. I did not authorize the {$510.00} total charge and did not knowingly provide consent for any merchant to charge my account. Scammer use my 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 I respectfully request that XXXX conduct a proper reinvestigation of this case, review the unauthorized transaction, and issue a refund for the fraudulent charge. I also request that they provide a detailed explanation of how they determined that the transaction was authorized. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I filed a complaint with you all in XXXX. I talked with the company twice she informed me that she was going to look into it. On XXXX the XXXX she called again telling me that the contract was signed by me therefore valid. Yes I signed the contract but it doesn't mean that everything in the deal is legally untouchable. I'm challenging the contract. I asked for a payoff amount and she said that I don't have one. The car is is already having issues. Oil light on, brakes are squeaky, need tires, stearing wheel gets stuck, paint falling off the front hud, as if they tried to hide the fact that the car was in a accident. When I inquired about fact check she said I should have it checked. They also told me that I had a two year warranty that came with the car. They did not tell me that I would have to pay for it. Going over my contract they added XXXX to the loan to cover my warranty I didn't consent to. I asked for the payoff amount and she told she could not give it to me. That I should find a buyer to trade the car to and have them call her and I would have 9 days to do the deal. I know that they have used the Preditory lending method on me and they know it. The on answer is I signed the contract and there's nothing I can do about it. So sad. This company has a tract record of this I recently found out. They need to be stopped for good not given a tap

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 2026-03-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: AR

Complaint narrative:
I had got a XXXX XXXX and ever since I got the car it was in and out the shop with car problems. I only had the car for about XXXX years. I let it go back because I was spending more money fixing it, then the carnote

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XXXX XXXX PORTFOLIO RECOVERY ACCOUNT NUMBER XXXX AMOUT {$1600.00} XXXX XXXX XXXX ACCOUNT NUMBER XXXX AMOUT {$610.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
On my XXXX my phone was snatched out my hand while I was approached walking out of XXXX and watched while I entered my phone then was asked something I wanted no parts we went back and forth then my phone was snatched I then chased the person with my phone got others involved in the chase during the chase my phone fell I went to retrieve my phone and it was opened on Cash App and XXXX was transferred to someone I dont know I then continue to chase the person me and my child people and cars was going after the person he made it to his car and ran me over police was called I made a claim with Cash App with police that got on the phone with Cash App told them to cancel the transaction we was then told we need a police report we called back 30 mins later with police report that they refused to take told me dispute team would reach out they never reach out later I just received email on the XXXX saying my claim was denied I then appealed then called Cash App spoke to a manager I was upset she said they would pull my phone call some one would reach out I gave her the police report she told me she escalated it told me some one would reach out once again no reached out to me the account was fraud from jump it was made 3 weeks ago and they changed the name days later Cash App allowed them to move stolen money and the person is in police custody then today XX/XX/XXXX my appeal was denied without anyone reaching out to me. I use Cash App all my money goes in and out of Cash App I feel sooo hurt that Cash App did this to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
My checking account was charged XXXX times for {$440.00}. XXXX. These small transactions were reoccurring and unauthorized. They began in XXXX XXXX XXXX. I have disputed with chime twice and been denied. I filed a. Police report that I have uploaded to them to. The dispute team. I have done everything chime has asked of me and they have done not I g to get my money back. I looked up these charges and they are '' hidden, experimental features in the XXXX XXXX browser. I am a victim XXXX fraud and chime has taken no responsibility to help me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the following charged-off account on my credit report : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$2800.00}

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 non-monetary relief