vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/year>, I got online on my account and seen I had a - {$48.00} for my account. I did not know why. I clicked on my completed transaction activity page, viewed the transactions, did the math and I was in good standing. I then clicked on Click here for details and it does not give any details. Its a page for the consumer to make the negative payment to resolve. I called and the guy tells me its a chargeback from XX/XX/year>, of {$35.00} for a dispute plus an additional dispute fee of {$15.00} that someone sent my account {$35.00} on XX/XX/year> but then immediately filed a dispute. I told him I know nothing about someone sending my account {$35.00} and why wasnt I informed of said transaction? A transaction has to be completed before a dispute can be filed. I asked the guy why isnt it on my completed transaction activity page. He says he doesnt know. He said for me to contact the person that filed the dispute and get them to pay the - {$48.00}. Again, I told him I wasnt properly informed of the transaction or the dispute or the negative balance. He says that they sent me emails, 1 on XX/XX/year>, 1 on XX/XX/year>, 1 on XX/XX/year>, and 1 on XX/XX/year> and they sent notification through the message center on my account. I checked the message center and there is not any messages regarding the negative balance or the dispute. I checked my email associated with my account and there is 1 email that came in on XX/XX/year> letting me know my XXXX statement is now available. One hour and 16 minutes later he insisted that I owe and it needs paid. I have been with this company for 7 years and have never had a negative balance. I feel my right as a consumer has been violated because I was not informed of the transaction and dispute filed in a timely manner. Im XXXX and live on a fixed monthly income and can not afford to pay {$35.00} for a transaction deposit I never received plus {$15.00} dispute fee that I didnt file. I would like to have them reverse the - {$48.00} on my account. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Received an email today, XX/XX/year> with my monthly mortgage payment due. 
The XXXX at Shellpoint have it listed as due in the past on XXXX. 
This was paid on XXXX. 
Attached is the summary of payments. 
Attached is the email confirmation. 

Here are the payment details : Loan Number ending in : XXXX Confirmation : XXXX Payment Date : XX/XX/year> Amount : {$2000.00} The next amount due is NOT XXXX, but XXXX. 
Also, the amount is INCORRECT. 
I am on a Loan Modification Trial Period Plan for $ XXXX. 

But all of these XXXX 's bills- online & via email- have the regular, full amount listed as due of {$2000.00} and NOT {$1700.00}. There is no way to change this amount on the website. 

The due date is WRONG. It is listed as XXXX, but that was paid on XXXX. The next due date is XXXX. 

These jerks have done nothing but XXXX up my loan, create nonsense entry lines, and have not followed their own Loan Modification Trial Period Plan of {$1700.00}. 
None of my payments are late. This loan is up to date. 
Shellpoint uses so-called workers who can't do math or keep customers ' loans correct. 

MY LAST PAYMENT FOR XXXX WAS MADE ON XXXX. 
THE NEXT DUE DATE IS NOT XXXX BUT IS INSTEAD XXXX. 
FIX IT IDIOTS.

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Experian credit report contains multiple fraudulent and unauthorized hard inquiries that I never applied for or permitted, including a duplicate inquiry from XXXX XXXX XXXX dated XX/XX/year>. These inquiries are damaging my credit and preventing me from securing housing, transportation, and financial stability. I have filed an FTC Identity Theft Report and am attaching supporting documents, including my Experian report with the fraudulent inquiries circled and an exhibit listing the disputed inquiries. I request immediate deletion of these unauthorized inquiries and written confirmation.

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting false late payments after account closure XXXX XXXX. 

To the Consumer Financial Protection Bureau, I am filing this complaint against Equifax Information Services LLC regarding the reporting of my XXXX XXXX account. 

Account shows Closed/Charged-Off as of XX/XX/XXXX with {$0.00} balance. 

Despite this, Equifax is reporting six late payments after closure ( XXXX, XXXX, XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX ). 

It is impossible for a closed and charged-off account to accrue new late payments. 


This is a clear violation of : FCRA 1681e ( b ) : failure to maintain maximum possible accuracy.

FCRA 1681i ( a ) : duty to correct or delete inaccurate information within 30 days of dispute.

FCRA 1681s-2 ( a ) : furnishers can not report information they know or should know is inaccurate. 


I dispute this account with Equifax, and instead of deletion, they continue to update false late payments that never occurred. This practice is damaging my creditworthiness, artificially lowering my credit score, and constitutes willful misrepresentation. 

Requested Resolution : I am demanding complete deletion of this XXXX XXXX account from my Equifax credit report. I do not want any corrections, updates, or re-aging of dates. This account has been mishandled and must be permanently removed. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Account Information : XXXX : Date Opened XX/XX/XXXX | Date Closed XX/XX/XXXX | Balance {$0.00} | Status : Closed Paid satisfactorily. 

XXXX XXXX XXXX : No record. 

Problem : Account shows only on XXXX, coded as closed/paid but still affecting my profile negatively. Absence from other bureaus makes reporting inconsistent. 

Consumer Harm : Even marked paid, its presence on only one bureau creates misleading information for lenders.

Violations : FCRA 607 ( b ) : Incomplete/inconsistent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
The original creditor is XXXX, and I had ended my service with the company -- and they still wanted me to pay for another month. After a decade plus of using XXXX, and being overcharged -- I'd like for this credit to be dissolved, so my credit score can be restored.

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 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I openend my checking account with citibank in XXXX of XXXX and made XXXX deposits of {$750.00} each ( XXXX deposit : XX/XX/XXXX, XXXX deposit : XX/XX/XXXX ). There us currently a total of {$1500.00} deposited in the account. 
I have been unable to use my funds since day XXXX and I've called citibank approximately XXXX times already and they did not provide any solution, time estimate for resolution, reason as to why mi account is under review or any type of clarity whatsoever. 
The only " advise '' I got was to wait and that it could take months for this to resolve. 
I have not been able to transact, withdraw or even request a cancellation of my checking account with citibank due to my account being in " under review by backoffice '' status. 

I am unable to attach any documentation regarding the freeze because citibank has not sent me ANY documents explaining that my account was frozen and why. I had to find out by making multiple calls to their service number. 
I am attaching a copy of my statement.

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 2025-09-21 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: DISCOVER BANK
State: TN

Complaint narrative:
Complaint : I am disputing charges totaling {$12000.00} on my Discover Card account ( last 4 digits : XXXX ). 

On XX/XX/XXXX, after filing multiple disputes, I contacted the merchant directly. 
I informed the merchant that I had not authorized these charges and that the one service I did pay for was not delivered. 
The merchant confirmed in writing that I qualified for a full refund under their refund policy. 
I submitted documentation of the merchants promise to Discover, along with Discover chat transcripts confirming I should have received a full refund. 
Despite this, as of XX/XX/XXXX, no refund has been issued. 
Discover continues to report the unpaid {$12000.00} to the credit bureaus, which is negatively affecting both my credit report and my husbands. 
Resolution Requested : Full removal of the {$12000.00} disputed charges.

Immediate correction of all negative credit reporting. 
Written confirmation from Discover that my account has been updated and the refund applied. 
I have supporting documentation, including : The merchants written refund confirmation. 
Discover chat records. 
Account statements showing the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: OK

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the Jefferson Capital Systems collection account appearing on my credit report, ending in XXXX. 

This account has not been validated in accordance with the Fair Credit Reporting Act. Jefferson Capital Systems has failed to provide documentation from the original creditor, including the original agreement bearing my signature or any legal assignment of the debt proving their right to collect. Reporting unverifiable information is a violation of FCRA 623 ( a ) ( 3 ), which requires furnishers to report only accurate and verifiable data.

Additionally, under FCRA 611 ( a ), I am requesting a reinvestigation of this account. If Jefferson Capital Systems can not furnish proper validation, including : Name and contact information of the original creditor Account statements and agreement bearing my signature Documentation of assignment of the account to Jefferson Capital Systems Then the account must be removed from my credit report. 

Please consider this a formal dispute, and I request that you complete the reinvestigation within the required 30-day time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: NY

Complaint narrative:
I submitted the initial complaint against PayPal in XXXX XXXX XXXX  the day after I discovered the Fraudulent account. My bank XXXX XXXX XXXX responded right away to the unauthorized transactions and took steps to protect my account from further fraudulent activity, but Pay Pal did nothing. I sent a letter to PayPal Dispute/Legal Department XXXX XX/XX/XXXX and reported the issue to the CFPB. PayPal responded to the CFPB that they could not address the issue because my Daughter wrote the dispute letter on my behalf, and CFPB marked the case closed because the company responded. That was not a response, that was a refusal to address the issue because my daughter wrote the letter to dispute the transaction. 

I re-wrote the dispute letter myself and submitted it to PayPal directly. PayPal never responded to my letter. The NEVER even answered my letter. I complained again to the CFPB and you all marked that new complaint as a duplicate of the first complaint and said that the company responded, which is not true. PayPal has never responded to the case. 

I keep getting an email to provide feedback on how the complaint was handled. When I click on the link to each case there is no space for me to leave feedback so I am once again brining this issue to you. Since then I have also received a declination letter that someone tried to apply for a PayPal card in my name on XX/XX/XXXX. I am attaching that as well for your review. 

Pay Pal never addressed the issue listed below as of today, XX/XX/2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: PA

Complaint narrative:
i received my free annual report today and noticed inquires on my XX/XX/XXXX profile i didnt authorize and have no knowledge of from XXXX XXXX XXXX and XXXX on XXXX and on XXXX, as well as XX/XX/XXXXon XXXX, please look into this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm Inc Experian : Date Opened XX/XX/XXXX | Date Reported XX/XX/XXXX | Balance {$0.00} | Status : Charge-off. | Remarks : Account previously in dispute now resolved reported by subscriber. 

XXXX XXXX XXXX : No record. 

Problem : This account appears only on XXXX, not XXXX or XXXX. It also contains dispute coding in the remarks. 

Consumer Harm : Lenders reviewing XXXX see a derogatory charge-off, while the other bureaus show nothing. This creates a misleading profile and may cause credit denials or higher rates.

Violations : FCRA 607 ( b ) : Requires maximum accuracy.

FCRA 623 ( a ) ( 3 ) : Furnishers may not misreport disputes.

Demand

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I booked XXXX XXXX XXXX, XXXX XXXX, New Jersey for my wedding photo and video coverage on XX/XX/year> in XXXX XXXX, CA. The total package cost was {$2400.00}, of which I paid {$700.00} via credit card and {$1700.00} via Zelle. 

Per the signed contract, XXXX XXXX XXXX was required to deliver my wedding footage within 12 weeks of the event. Despite repeated follow-ups after the wedding, I was never provided with a clear delivery date or any meaningful response. The 12-week deadline ( XX/XX/year> ) passed without delivery of the footage and without communication from the provider. 

Out of concern that I might lose my only wedding footage, I disputed the credit card payment through my bank, which was resolved in my favor. Following this, the provider only then began responding but in a threatening manner, stating that he would not release my footage. He also unilaterally changed the timeline to XXXX weeks, which is inconsistent with the signed contract. 

At this point : 1. I have not received my wedding footage, which holds immense sentimental value.

2. I can not dispute the {$1700.00} paid via Zelle, leaving me at a financial and emotional loss. 
3. The provider has been unresponsive, threatening, and has failed to uphold the terms of the agreement.

I am requesting a full refund of {$2400.00} due to : 1. Failure to provide the contracted services within the agreed 12-week period.

2. Lack of communication and unresponsiveness, causing severe distress and loss of trust.

3. Threatening behavior after being held accountable through the credit card dispute.

This situation has caused not only financial harm but also significant emotional trauma, as I am left without the only recorded memories of my wedding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Dear NAVY FEDERAL CR UNION ], This letter serves as confirmation that the debt associated with my then account has been paid in full as of [ XX/XX/year> ]. No further balance remains on this account, and it is now considered closed. 

We appreciate your prompt attention to this matter. If applicable, we will notify the relevant credit reporting agencies to reflect the updated status. 

Please retain this letter for your records. Should you have any questions, feel free to contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: TX

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I received an insurance settlement check from XXXX after my car was totaled. I have been out of work because of this accident. The check was drawn on XXXX and I deposited it into my XXXX daughters TD Bank account, where her grandmother is also an authorized user. I just lost my son XX/XX/year> and I just moved from XXXX XXXX XXXX XXXX  so I had to surrender my license. Thats why I deposited it into her account. 

XXXX XXXX has already confirmed the check cleared, they also verified the check to TD bank however, TD Bank froze the account for a back office review. Its been over a week and I still dont have access to any of the money. They even took part of it to cover an overdraft but are refusing to release the rest, even though the funds are verified. 

Ive provided proof that this is a legitimate insurance settlement. The continued hold is causing financial hardship I owe money for the rental car and I need funds to take care of my kids. I just want TD Bank to release the money or give me a clear reason why they wont.

Company response to consumer: Closed with explanation