vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Paypal Holdings, Inc
State: PR

Complaint narrative:
Again, what I claimed in the dispute on XX/XX/2025, was repeated, PayPal Prepaid Mastercard double charged {$39.00} without my consent.

Now, checking my account, I notice again the charge of {$39.00} without my authorization. Three times amounts have been debited from my card Mastercard PayPal Prepaid without my consent.

I demand an investigation and my full money {$110.00}.

PayPal Prepaid MasterCard owes me the amount of {$110.00} that was debited from my account. I am attaching dispute numbers # XXXX, # XXXX, and # XXXX submitted today. 

XX/XX/2025 # XXXX XX/XX/2025 # XXXX XX/XX/2025 # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MO

Complaint narrative:
I have four still missing direct deposits from the state oXXXX XXXX XXXX XXXX XXXX. The state of Missouri has confirmed account informati and routinh numbers. And has showed cleared on their end and gave me the tracking numbers. I have been contacting Chime almost daily for several weeks. My case has been escalated multiple times with XXXX call backs. Ive had a supervisor hang up on me. Two agents hang up on me. And the ones that didnt hang up. Told me they were escalating my case again. And that someone wld be able to tell me something in 48 hrs. Its been several weeks since I first heard 48hrs. I have the tracking information I give it to the agents. But nothing has changed. No response. No call back. No deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
XX/XX/year> A person named XXXX XXXX flew XXXX XXXX from XXXX to XXXX. My citibank Aadvantage MC that I haven't used in at least 2 years and kept locked up at home was somehow used to purchase upgraded seats on the flight. My card was charged XXXX. This account has had a XXXX balance so upon receipt of the bill I called citibank and reported the fraudulent charge. XX/XX/year> I received a letter with the passengers name and contact info and a letter stating that cardholder authorized transaction and booked the reservation. I then filed a police report locally ( TN ) I tried to file a police report in IL, the address of the passenger, and they refused and referred to the FBI internet crime division. I am the cardholder and I do not know the person who used my credit card.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am reaching out to formally request an urgent resolution under the Fair Credit Reporting Act. This correspondence serves as a notification of identity theft and fraud, prompting a need for immediate action concerning my consumer credit report. As per FCRA 605B, I am seeking the removal of specific fraudulent information within the stipulated four-business-day timeframe.The fraudulent activity involves the following unrecognized hard inquiries appearing on each of my consumer FICO credit reports. These fraudulent and unrecognized, unauthorized hard inquiries are as follows ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ) These inquiries are fraudulent and I demand they be removed from each of my consumer credit reports pursuing to my rights within the FCRA and the FDCPA laws. I have given no permission or permissible purpose for these items to be reported on my credit profiles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am reaching out to formally request an urgent resolution under the Fair Credit Reporting Act. This correspondence serves as a notification of identity theft and fraud, prompting a need for immediate action concerning my consumer credit report. As per FCRA 605B, I am seeking the removal of specific fraudulent information within the stipulated four-business-day timeframe.The fraudulent activity involves the following unrecognized hard inquiries appearing on each of my consumer FICO credit reports. These fraudulent and unrecognized, unauthorized hard inquiries are as follows ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ) These inquiries are fraudulent and I demand they be removed from each of my consumer credit reports pursuing to my rights within the FCRA and the FDCPA laws. I have given no permission or permissible purpose for these items to be reported on my credit profiles.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
Sequium ( XXXX XXXXXXXX ) - Account # XXXX Original Creditor : XXXX ( XXXX XXXX : placed for Collection Amount Placed : {$350.00} Opened XX/XX/year> Verified XX/XX/year> Account Type : Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Balance {$3500.00} Original creditor XXXX XXXX XXXX XXXX Balance {$2800.00} Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} Original creditor FARMERS PROPERTYRECE XXXX Balance {$1200.00} Original creditor XXXX XXXX XXXX XXXX Balance {$1100.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance {$600.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} Original creditor XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance {$530.00} Original creditor XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Ct, Federal Way, WA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX JPMCB XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX : {$700.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2100.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Ct XXXX, XXXX XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I am submitting this complaint because Credit Control Services , Inc. has failed to respond to my identity theft dispute and continues to attempt to collect and report a fraudulent account that does not belong to me.

Over 55 days ago, I sent a formal written dispute to Credit Control Services regarding an alleged debt that was opened in my name without my authorization. With my dispute, I provided my FTC Identity Theft Report, proof of identity, and all necessary documentation confirming that I am a victim of identity theft. I requested full validation of the debt and asked for the immediate removal of this fraudulent account from all reporting and collection activity.

To date, Credit Control Services has not provided any response, verification, documentation, or investigation results for this account. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), they are legally required to investigate disputes and provide proper validation within the mandated timeframe. Ignoring my dispute for more than 55 days is a direct violation of my consumer rights.

This account is not mine, I did not authorize it, and I have already provided all required identity-theft documentation. Because Credit Control Services failed to validate the debt or respond within the legal timeframe, I am requesting that the CFPB intervene and require the immediate deletion of this fraudulent account and cessation of any collection activity.

Their failure to act has caused unnecessary harm to my credit, emotional XXXX, and ongoing issues with financial stability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CHERRY TECHNOLOGIES INC.
State: TX

Complaint narrative:
XXXX XXXX turned in the credit bureau that I was late on a payment. I never even owed the account. XXXX XXXX XXXX was paid by them for services that were never done. I had to call and go there to get them to return the money to XXXX XXXX. It took a few weeks. I didn't pay on this account because I didn't owe it for services that I didn't get. XXXX XXXX finally paid them the money back. XXXX XXXX closed the account, but still has on my credit that I was late on the account that I didn't owe and they will not correct it. Can you please help me get this corrected?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Consumer affair already help me to deal with XXXX however they went back on their word. My name is XXXX XXXX. 
XXXX when i called them said that the account in question was reported fraud however they kept the account open and charging it interest. They told me not to make payments however never removed the account. They finnaly did remove it however are now sending me a letter saying that i do own the debt. 
I do not know how they reach that conclusion. Attached is also a number and email of a case report of when my social security number was stolen

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit 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: Block, Inc.
State: TX

Complaint narrative:
I got scammed by a fraudulent website I sent screenshots and I never received any merchandise and cash app would not refund me I told them as soon as it happened it was fraud and needed to stop the payment and they wouldnt do it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
* XXXX Nissan XXXX XXXX surrendered and taken to dealership. 

* XXXX Nissan XXXX was returned to Nissan motor acceptance company. 

* XXXX used chat feature to inquire about liability as had not heard or received anything since vehicle was voluntarily surrendered, and time difference and long hold times makes it very hard to call in. 

* About 7-10 days later received a liability statement for {$14000.00}. 

* XXXX discovered the vehicle for sale at another dealership in another city for {$19000.00} and XXXX  show that it had been sold at auction XX/XX/XXXX. 

* XX/XX/XXXX called to inquire about an updated liability statement to reflect the auction proceeds, was advised by agent they would have to send an escalation to the auction company for the sale info. 

* XX/XX/XXXX spoke to XXXX, was advised there was notes advising still waiting for auction sale letter and that the vehicle was sold XX/XX/XXXX and letters update every 30days. Was advised to wait a few more days for them to get that information and apply it. 

* XXXXTried to reach out regarding update, since amount still had not changed but systems were down until the week of XX/XX/XXXX ( screenshot ) XXXX XXXXXX/XX/XXXX. Called and spoke to XXXX, I believe was his name and STILL no sale information received .. was advised he has to send another escalation to the auction company to get the sale information. I asked for a case number or something since this has been going on for months, was told there isnt any case and they just send an email and place notes on the account. I was told yet again to call mid next week. 

XXXX XXXXXXXX received a collection letter for {$14000.00} that still DOES NOT reflect the auction proceed deduction. 

XXXX XXXXXXXX disputed the collection letter, as Ive been trying to get the correct liability amount for months and so far Nissan is refusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Layer2 Financial Inc.
State: NJ

Complaint narrative:
Hi Team, I have initiated one transaction for sending money to XXXX using XXXX XXXX. After few days, the transaction failed and I was informed I will get the refund. I waited for few days and then started follow up. Initially they said, it will be done soon but it didn't happen. After one month or so, they said my earlier transaction was double funded and that was the reason they holding it. Then I have submitted the bank statement as a proof and they also agreed that it was never double funded and they are going to initiate the refund process. I have waited for 10 days or so then I asked follow up. Now they are not telling why refund is not happening and not getting proper response from them. I am worried for this transaction, thats why i have informing here. All these communication mostly happened through emails and two times I spoke with them when they called me. there is no number to call them or no live support team for checking these issues.

All these communications can be found in attached email. pls let me know if you need any other info. 

app Name : XXXX XXXX XXXX XXXX XXXX XXXX 
Transaction date : XX/XX/year>. 
Amount : XXXX $ Transaction number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
The account TRANSWORLD SYSTEM INC/ with the number XXXX isnt right on my credit report. Its showing a rating of Collection Or Charge Off, but that cant be true! You say it was opened on XXXX with a date of last activity as XXXX, but this info is incorrect. I want it deleted now! 
You also claimed it was last verified on --. Under 15 U.S.C. 1681i, I have the right to know how you checked this.

Please share that info with me. Plus, show me proof of the {$3000.00}, since I know I dont owe this. 
By the way, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX  ) said wrong stuff needs to be removed. Please take care of this. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I pulled a copy of my consumer report and notified this agency on XX/XX/year> about some items I disputed. Care was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to this agency which included a Federal Trade Commission ( FTC ) Identity Theft Report, XXXX XXXX XXXX XXXX XXXX XXXX  complaint, State Attorney General ( SAG ) complaint, as well as I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). I delineated what violations these agencies perpetrated under the FCRA, while notifying the agency that these items were reported without my explicit, written agreement. This results in identity theft, constituting a breach of the civil liability provisions of the FCRA, as previously communicated in the attached notice for your records. This agency is in violation of 15 U.S. Code 1681i ( 5 ), Treatment of Inaccurate or Unverifiable Information. I noticed this account was removed by XXXX  on XX/XX/year> through the Consumer Financial Protection Bureau ( CFPB ), the following account was REINSERTED in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I am filing this complaint because Bank of America has failed to respond to my identity theft dispute and continues to report a fraudulent account that does not belong to me. 

Over 55 days ago, I submitted a formal written dispute to Bank of America regarding an account that was opened in my name without my authorization. With my dispute, I included my FTC Identity Theft Report, proof of identity, and all required supporting documentation confirming I am a victim of identity theft. I requested full validation of the alleged debt and asked for the immediate removal of the fraudulent account from my credit file. 

To this day, Bank of America has not provided any response, verification, documentation, or investigation results concerning this account. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, Bank of America is required to investigate disputes and provide validation within the legally mandated timeframe. Allowing more than 55 days to pass with no response is a direct violation of my consumer rights. 

This account does not belong to me, I did not authorize it, and I have supplied all required identity-theft documentation. Since Bank of America failed to investigate or validate the debt within the required timeframe, I am requesting that the CFPB intervene and ensure this fraudulent account and any related negative reporting are permanently removed.

Bank of Americas failure to act has caused significant harm to my creditworthiness, financial stability, and my ability to secure essential services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation