vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my serious concerns regarding several discrepancies I have identified in my credit report. Upon careful review, I discovered multiple errors, including incorrect account entries, unauthorized credit inquiries, inconsistent billing information, and accounts that do not belong to me. These issues are negatively affecting my financial well-being, and I urgently seek your support in addressing them.

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 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I am a combat veteran who served the United States for 6 years and now live on XXXX due to my service. I am filing this complaint regarding two serious issues with PayPals business practices : Debt Collection Abuse : In XX/XX/year>, I was scammed on PayPal. I reported the fraud immediately to both PayPal and my bank. My bank refunded me under Regulation E, and PayPal never directly refunded me. Months later, PayPal falsely claimed I owed them {$2600.00} and began attempting to collect the alleged debt through aggressive tactics, including refusal to unlink my bank accounts and multiple harassing phone calls. Their Resolution Center shows conflicting case results, and they have never provided proper documentation of the alleged debt. 

Withholding of XXXX XXXX : In addition to falsely claiming I owe them, PayPal is withholding my XXXXXXXX XXXX ( valued at over {$100.00} ), refusing to let me access my own money. They are holding my digital assets hostage as leverage, despite my repeated requests for release. 

These actions have caused me significant stress and hardship, especially as a XXXX veteran relying on limited income. I believe PayPals actions violate consumer protection laws and are grossly unfair. 

Resolution Requested : Immediate removal of the alleged {$2400.00} debt from my PayPal account.

Immediate release of my XXXX funds. When I attempted to send my bitcoin funds to myself or another business, the transaction was denied ; However, when i went to sell the funds, the transaction was approved, but PayPal put that amount to the alleged debt that I do not owe. So, they have effectively stolen over {$100.00} from me with no consequence. I am also fearful that this now will make it seem like I agree that the debt is valid, but I DO NOT- I simply wanted the XXXX funds THAT BELONG TO ME! 

Written assurance that PayPal will not pursue collections or credit reporting against me for the false debt.

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

Complaint narrative:
XX/XX/XXXX- XXXX XX/XX/XXXX I have over XXXX inquiries on my report that i am unaware of. I have added fraud protection and a temporary freeze to my credit report to stop this from happening. i would like these hard inquiries and soft inquiries 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 non-monetary relief
Consumer complaint received 2025-05-10 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: I.C. System, Inc.
State: GA

Complaint narrative:
All of my information was exposed in a data breach.

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 2025-05-10 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: CITIBANK, N.A.
State: GA

Complaint narrative:
All of my information was exposed in a data breach.

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 2025-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NH

Complaint narrative:
I am submitting this complaint regarding a collection tradeline from Credit Collection Services ( CCS ), acting on behalf of XXXX XXXXXXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX which was recently inserted onto my credit report with an alleged balance of {$99.00}. This debt has never been properly validated as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), which mandates that debt collectors must provide, upon request, the original creditor, itemized statements, the amount owed, and verification of the debts legitimacy. I was never notified, billed, or given any opportunity to verify or dispute the debt before it was reported, violating both the FDCPA and 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ).

Additionally, this tradeline was previously fully resolved with my understanding. The reappearance of this collection without new legal basis, notice, or validation reflects a willful failure to reinvestigate and update records, as required under FCRA 1681i ( a ) and clarified by the ruling in XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ). Reporting a XXXX XXXX balance of {$99.00}, with no supporting documentation, also violates XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which held that unverifiable debts can not legally remain on a consumers file. Furthermore, per CFPB guidance, debts under {$100.00} that cause disproportionate harm without substantiation or notification can be deemed materially misleading under the FCRA 1681e ( b ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I received an email notification regarding XXXX unauthorized loans, both for XXXX XXXX flights that I had never booked. Additionally, my address in their system had been changed to a location where I have never lived. The first loan, approved under my maiden name, was for {$480.00} on XX/XX/year>, followed by a second loan for {$470.00} on XX/XX/year>. I contacted the company immediately to report the fraudulent activity. After working with them, they removed the unauthorized loans from my account. However, I remain concerned about the potential for this to happen again, and despite my request, they have refused to close my account since XXXX of XXXX. 

I meet all of their stated requirements for account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
There was fraud made on my account. I called Bank of America on XX/XX/XXXX regarding a two step authorization code I had received for my bank login that I had not requested. This prompted me to cancel my debit card ( that was still with me ) and to change my password. At the time there was only an unauthorized XXXX charge for {$72.00} on my checking account which was returned. The next day, XX/XX/XXXX, I received another two step authorization code. This time upon checking my account there was a pending check cashed check for {$980.00} both in my checking account and on my savings account. Once cleared both those transactions were made at a Bank of America branch located in XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ). I did not authorize any of it. I called Bank of America again to make the claims. I was extremely upset the transaction had even gone through being that I called the day prior about the suspicious activity. Since then I had another unauthorized charge on XX/XX/XXXX at the same location for {$900.00} in my checking account. This charge was returned while the other claims remained under investigation. I called several times to see the status of the claim and they said they were reviewing video footage. I recently received mail explaining the charge on my savings account was not going to be refunded. The letter said Based on our research, we've determined that your claim can't be honored for the following reason ( s ) Our investigation of the claim determined that the transaction was authorized. This is very frustrating as I did not authorize any of these transactions. I would love to see the video footage and further information that proves that this is authorized. This feels very strange to me almost like an inside job because how else would someone be able to access my account AFTER I had canceled my card and all at the same location which I dont frequent because its in another county. To be fair, I have removed most of my funds from those accounts and froze them because I dont trust the bank with my 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 monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OPTUM BANK, INC.
State: OH

Complaint narrative:
Optum Bank ( payor ) XXXX ) {$120.00} payment to XXXX XXXX XXXX | I submitted a request for payment that was processed by Optum Bank on XX/XX/XXXX. A check was subsuquently sent out on XX/XX/XXXX an was processed by XXXX on XX/XX/XXXX. XXXX says they have not received the payment. Problem # XXXX was Optum Bank did not enter my account number ( I submitted it properly ) on the check and therefore XXXX would not neccesarily know where to credit it to. Problem # XXXX was that XXXX processed the payment anyways without crediting my account. I currently have additional payment to XXXX that I don't want to make until this is resolved. Both parties have been contacted many times and should be aware of the situation. * * * * * * XXXX ) {$18.00} payment to XXXX | Optum Bank submitted a virtual payment ( they call it XXXX ) to XXXX on XX/XX/XXXX and it was accepted by XXXX on XX/XX/XXXX. XXXX also claimed they have not received payment on my invoice ( # XXXX ). Problem # XXXX is that it was sent by Optum Bank without the invoice number ( I submitted it correctly ) on the payment. Again, XXXX would not know where to credit it to. Problem # XXXX is XXXX processed it anyways without applying it to the correct invoice. Again, both parties have been contacted many times and should be aware of the situation. 

Transaction copies available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OM Financial, LLC
State: OK

Complaint narrative:
I took out a XXXX XXXX  loan from Patria lending on XX/XX/year>. I approved it because it thought it was 6.99 % It turns out it was XXXX %! I have paid XXXX XXXX  off my loan soo far. I tried to settle on paying XXXX more XXXX. They said the best they could do is freezer the interest. That is absurd. So I would end up paying {$1400.00} XXXX. This is absurd

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I recently pulled up my XXXX  credit report and your company is attempting to collect a debt. 

Under 15 USC 1692cc : ( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( 1 ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( 2 ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or ( 3 ) where applicable, to notify theconsumerthat thedebtcollector orcreditorintends to invoke a specified remedy.

If such notice from theconsumeris made by mail, notification shall be complete upon receipt.

Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hindered my ability to obtain credit.It has also damaged my mode of living, my character, and much more.

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below.

Im giving your company 10 days to respond to this matter. Failure to respond to this matter will result in legal actions pursued against your company.

I demand that the following account be validated or DELETED immediately : Account Name : Jefferson Capital Systems LLC Original Creditor : XXXX Account Number : XXXX Furthermore, you also reported inconsistent and inaccurate information in my consumer report. 

Once again, I, XXXX XXXX is giving your company, 10 days to respond to this matter. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
In XX/XX/XXXX, I was the victim of an impersonation phishing scam that resulted in approximately {$3300.00} in Apple gift card purchases on my Apple Card, issued by Goldman Sachs. The scammer impersonated the COO of the architecture firm I had just started working for, using social engineering tactics to convince me the purchases were legitimate company business. As a new employee, I believed I was fulfilling a work-related request and acted in good faith under perceived authority. 

I have since learned this was a sophisticated phishing scam and immediately reported the incident. I have disputed the charges multiple times with Goldman Sachs specifically on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but all claims have been denied. I did not personally benefit from the purchases, and I was coerced into making them under false pretenses. 

This is not a case of standard unauthorized use it involves fraud by impersonation and workplace manipulation. I have filed a police report with the Oklahoma XXXX Police Department ( Report # XXXX ) to formally document the fraud. 

I am requesting that Goldman Sachs re-evaluate this dispute in light of these circumstances. I am prepared to provide additional documentation if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank offers an interest-free payment option, but does not apply the payments to the promotion. There is nothing in their documentation that says you have to create a separate payment plan for promotional offers. 
I have paid for years, on time, more than what my minimum balance was and they have purposely NOT applied my payments to the promotional balance, causing more debt than originally proposed, and no remorse for their actions. 
Additionally, the supervisor I worked with briefly sent that their paperwork says payments might not be applied to interest saving balances, which makes no sense if they're offering the promotion. 

There is nowhere on citibank 's website in the payment area offering for customers to apply their payments to a specific balance. There is no warning of penalization if this does not occur also. 
I'm filing a complaint here and will speak with a lawyer if needed as well.

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 2025-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I call the loan company on multiple occasions to ask for the forgiveness program due to XXXX XXXX pandemic and the list of hours from work that made it impossible to make payments and was told I was added to a list and would be given a call I have never received anything while I know other have been forgiven for there larger sums

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: Savvy Money, Inc.
State: ID

Complaint narrative:
On XX/XX/XXXX I saw several suspicious unauthorized soft inquiries made on my XXXX credit report ; specifically XXXX inquiries made via XXXX XXXXXXXX dating from XX/XX/XXXX - XX/XX/XXXX. All attempts on XX/XX/XXXX and XX/XX/XXXX to understand what these inquiries were and how they were made were either directed towards filing an identity theft report with the FTC or a runaround on how soft inquiries don't affect credit scores. I was not able to receive information on what the inquiries were about despite my attempts to ask for that information.

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

Complaint narrative:
I am writing to express my serious concerns regarding several discrepancies I have identified in my credit report. Upon careful review, I discovered multiple errors, including incorrect account entries, unauthorized credit inquiries, inconsistent billing information, and accounts that do not belong to me. These issues are negatively affecting my financial well-being, and I urgently seek your support in addressing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Payment for XXXX store card was due on XX/XX/year>. Attempted to make online payment at XXXX XXXX on XX/XX/year>. After seeing that my payment would not be credited until XX/XX/year> I called to make an expedited payment via phone. Message on automated system states that you can make a same day expedited payment for a {$9.00} fee. I spoke with XXXX employees ( one being a supervisor ) who were unaware of how to process the expedited payment. I then made the payment online ( paid balance in full ). I was subsequently charged a {$30.00} late fee. I explained the above to supervisor XXXX on XX/XX/year> but was refused a refund. XXXX explicitly stated that the employees I spoke with on XX/XX/year> should have known how to process my expedited payment.

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

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my credit report. 

Please verify or remove immediately the following accounts : XXXX Account not mines. 

Please provide statements and records of all payments made and missed since I opened this account. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter.

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