vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX I cancelled an order with XXXX XXXX in the amount of {$470.00} since it was due to arrive by this date and when I checked on the order, it had not been shipped and would not be shipped until XX/XX/XXXX. I cancelled the order but Paypal had already deducted the amount from my bank account without the order even being processed. I filed a resolution complaint with Paypal and they keep changing the resolution date from XX/XX/XXXX to XX/XX/XXXX and then XX/XX/XXXX and as of XX/XX/XXXX, the case is still under review. The customer service rep stated that the case was closed and awarded in my favor on XX/XX/XXXX but they have yet to refund the money to my bank account. They have all of the information on file from the original order to the cancellation of the order and information showing proof that the item was not shipped

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
RE : XXXX Comenity Bank My payment is due on the XXXX, and I have been trying to access my account it is reporting unlocated. You can not reach anyone by phone XXXX there is a {$9.00} fee to pay by phone. It will not send the access code to my email I have checked spam, trash. and archive. Prior to a month ago I had no problem accessing and paying in the past month this just happen I just recent was in XXXX for a repair and no problems. Every card I have through XXXX has been giving me trouble including ( XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX ). And now it is not locating my XXXX card at all by phone it hung up would not let me talk to customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: FL

Complaint narrative:
This debt was placed with National Recovery Agency by XXXX XXXX and XXXX in XX/XX/scrub> 2025. However, I did not receive any written notification of this collection until XX/XX/year>2025, when National Recovery finally emailed me a notice ( see attached ). This was more than two months after the account was placed and well beyond the 5-day requirement under FDCPA 1692g ( a ). 
I was enrolled in both paper and electronic billing with XXXX. I never received any past-due notices by mail or email. XXXX claims they sent my final bill, but I was never informed of a past-due balance or risk of collections. Had I been properly notified, I would have resolved this directly with XXXX because I was current on my account when I cancelled my service with XXXX. 

Because of this delay, the collection account was reported to all three credit bureaus in XX/XX/year>2025 without me ever receiving a past-due or final bill from XXXX or a timely validation notice from National Recovery. This failure to notify denied me the right to dispute or resolve the debt before it damaged my credit. 

Additionally, I am an XXXX XXXX service-member, who at the time was also on military orders when I terminated my service with XXXX and under the XXXX-XXXX  Civil Relief Act ( SCRA ), I should have been given proper notice and opportunity to address this matter before negative credit reporting occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX * * BALANCE : {$550000.00}, XXXX XXXX XXXX XXXX * * BALANCE : {$0.00}, XXXX XXXX XXXX  XXXX * BALANCE : {$830.00}, XXXX XXXX XXXX XXXXXXXX * * BALANCE : {$25.00}, XXXX XXXX XXXXXXXX * * BALANCE : {$16000.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: MI

Complaint narrative:
Experian is reporting a bankruptcy and XXXX account tied to outdated and inaccurate addresses. I have frozen XXXX, the third-party source Experian typically uses. Courts do not furnish bankruptcy records directly, therefore Experian can not lawfully verify the item. Reporting unverifiable and address-linked accounts is a direct violation of FCRA 609 and 611. I demand full deletion of the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
While I was actively serving in the XXXX XXXX XXXXXXXX, a Capital One account was opened in my name without my knowledge or consent. I did not authorize, initiate, or benefit from this account in any way. This fraudulent activity occurred while I was under the unique XXXX  and obligations of military service, which limited my ability to monitor and protect my credit. Despite the account being closed, Capital One continues to report it as a derogatory item to XXXX, XXXX, and XXXX. This continued reporting has created significant and ongoing harm. 

I am currently in the process of securing stable housing and reliable transportation, both of which are being directly hindered by the presence of this account on my credit reports. My lender has explicitly stated that this derogatory account is preventing me from closing on a home loan, and I have been unable to qualify for vehicle financing as a result. This has placed me in a precarious financial position and caused emotional XXXX. 

The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Florida state consumer protection laws provide me the right to dispute inaccurate or fraudulent information and require furnishers and credit reporting agencies to conduct a reasonable investigation and correct errors. Continuing to report this account as valid when it has already been closed and is linked to identity theft constitutes a violation of these rights. 

This account must be permanently removed from all of my credit reports across XXXX XXXX XXXX, and any other bureau. Capital One must also immediately cease reporting or attempting to collect this fraudulent debt. Failure to act within the 1415 day period will leave me with no choice but to pursue legal remedies, including further CFPB action and state-level complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XX/XX/year>, XXXX XXXX  I received an email at [ XXXX ] stating : Thank you for applying. Your request to open the following accounts is now being processed. The application was for a regular checking account. 

XX/XX/year>, XXXX XXXX  I received an email from XXXX requesting additional documentation to finalize my account opening. This request included a valid drivers license, military ID ( if applicable ), Social Security card, or passport. 

XX/XX/year>, XXXX XXXX  I received a follow-up of the same request, with reference/file ID XXXX. 

XX/XX/year>, XXXX XXXX  I received a notification that mail was being sent to my address on file : XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, TX XXXX. I did in fact receive mail from Citibank at that address. 

XX/XX/year>, XXXX AM I received a notification from Citibanks City Alert Current Balance System stating : As of XX/XX/year>, your account ending in XXXX has an available balance of {$3400.00} and a current balance of {$3400.00}. 

Those deposits were made from Texas Unemployment paying off my backpay that I was getting during XXXX. After that money was deposited, I was unexpectedly arrested and all of my belongings and banking information and cards were seized by the police. I have yet to be able to recieve my belongings due to thee case just now being closed. I have contacted citibank on multiple occasions trying to gain access to my account and or funds. They first wanted me to come to a bank location in XXXX, of which I traveled to and found out that the location was then closed. I recently tried to get access to my account and now I was told that my account does not even exist in their system. I written them two letters requesting my information and payment be given back in the form of a check because I do not want to continue business with them and they have not responded.

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 2025-09-28 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX * * BALANCE : {$550000.00}, XXXX XXXX XXXX XXXX * * BALANCE : {$0.00}, XXXX XXXX XXXX XXXXXXXX * BALANCE : {$830.00}, XXXX XXXX XXXX XXXXXXXX * * BALANCE : {$25.00}, XXXX XXXX XXXXXXXX * * BALANCE : {$16000.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XX/XX/2025 i paid off the total balance of {$1200.00}. XX/XX/2025 they charged me {$3.00} interest. I paid the balance off XX/XX/2025. I was notified that the payment bounced and a fee was added XX/XX/2025. XX/XX/2025 i paid the balance {$6.00} completely off. XX/XX/2025 a {$2.00} interest fee was added i paid it off XX/XX/2025. XX/XX/2025 i paid off the balance of {$5.00}. XX/XX/2025 they added {$2.00} interest again. I contacted the company XX/XX/2025 asking for the closing balance and they said the closing balance is {$5.00} so how are they adding interest on a card thats paid off and closed.

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 2025-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
This complaint is associated with the series of complaints that I've made against XXXX XXXX XXXX, and their misleading sales tactics. As I continue to investigate my credit profiles in these so called major bureaus I'm constantly uncovering violations. In my recent review I recognize additional lenders that I was not even made aware of, so this complaint is not only regarding unauthorized use of my personal information, it's also a complaint against each of these auto lenders none of which I ever received a single notice of denial, or explanation for not extending credit which is a direct violation of the ECOA 15 U.S.C. 1691, 15 U.S.C. 1681, 12 U.S.C. 5481, 15 U.S.C.1601, 15 U.S.C.45 .

These companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX. Consumer Portfolio Services XXXX XXXX XXXX XXXX. XXXX Ca. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: CO

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the charge-off reported on my account XXXX  from my TransUnion. I believe the information being reported is inaccurate and/or incomplete, and I am requesting a formal investigation into this matter. 

Under the Fair Credit Reporting Act ( FCRA ), all information furnished to the credit reporting agencies must be accurate, complete, and verifiable. At this time, I respectfully request : 1. Verification of the alleged debt, including an itemized breakdown of the balance and payment history.

2. Documentation showing that you are authorized to report or collect on this account.

3. Correction or removal of any inaccurate or unverifiable information related to this charge-off.

Please note that if the accuracy of this account can not be fully verified, you are required to have it deleted from all consumer credit reports.

I expect a written response within the timeframe outlined by the FCRA. Enclosed, please find copies of any relevant documentation supporting my position [ attach if available ].

Thank you for your prompt attention to 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
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/year>, I borrowed {$5700.00} from XXXXXXXX XXXX XXXX. The loan requires biweekly payments of {$400.00}, which equals approximately {$810.00} per month. 

Since then, I have made about XXXX on-time payments through XX/XX/year>, totaling {$6100.00} so far which is more than the amount I originally borrowed.

Despite this, only {$330.00} has been applied toward the principal, and my remaining balance is still {$5400.00} nearly the full amount borrowed. The majority of every payment has gone to interest and fees, leaving almost no progress on the loan itself.

This repayment structure is predatory. Even after paying over {$800.00} per month for nine months, I still owe almost the full original balance. This loan has trapped me in a cycle of debt, making it impossible to pay off despite fulfilling every obligation.

This has created serious financial hardship for my family. I recently XXXX XXXX XXXX, and I am
also caring for a child XXXX  XXXX XXXX. I took this loan to help during a difficult time, but instead it has made my situation worse.

I am requesting that the CFPB investigate XXXX XXXX XXXX lending practices and help ensure this loan is closed and marked as paid in full, as I have already repaid the loan amount plus substantial interest.

I can provide all documentation, including the loan agreement, payment history, and account statements, if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: GA

Complaint narrative:
Accounts showing open when its closed please remove from my report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. I request that you investigate this matter and remove the inaccurate information from my file. 

Kickoff XXXX XXXX  XXXX  XXXX Please complete the investigation within 30 days of receiving this letter, as required by law, and send me a written confirmation once the disputed information has been corrected or removed. 

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My BMO checking account was to receive our XXXX deposits on XX/XX/2025. BMO returned our XXXX checks and did not inform us and will not provide the reason why they returned the checks. They will confuse our XXXX and XXXX checks and will state incorrect information. BMO will not provide factual information about their actions.

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