vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am filing this complaint regarding XXXXXXXX XXXX continued reporting of an inaccurate and unverifiable charged-off account on my credit reports with Experian, Equifax, and TransUnion. 



I previously disputed this account with the credit reporting agencies and directly with XXXX XXXX. Despite my dispute, XXXX has continued to verify the account without providing competent evidence that the information being furnished is accurate, complete, and verifiable as required under the Fair Credit Reporting Act ( FCRA ). 



Specifically, XXXX has failed to provide : A copy of the original signed agreement bearing my signature A complete payment history from account opening to charge-off Verification of the Date of First Delinquency Documentation proving the reported balance is accurate Proof of their authority to continue reporting this account after charge-off Under FCRA 623 ( a ) ( 1 ), furnishers are prohibited from reporting inaccurate or unverifiable information. Additionally, under FCRA 623 ( a ) ( 8 ), upon receiving a direct dispute, the furnisher must conduct a reasonable investigation and correct or delete any information that can not be substantiated. 



Furthermore, the credit reporting agencies are required under FCRA 611 ( a ) and 1681e ( b ) to ensure maximum possible accuracy and provide a lawful method of verification. Simply stating that the account was verified without providing documentation does not meet this legal standard. 



XXXX XXXX continued reporting of this charged-off account without proper verification is damaging my credit and constitutes a violation of the Fair Credit Reporting Act.

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 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
Venmo Disputes XXXX 1. Venmo case XXXX Transaction date XX/XX/year> Payment sent to XXXX XXXX XXXX. Venmo case XXXX Transaction date XX/XX/year> Payment sent to XXXX XXXX On XX/XX/year> XXXX XXXX XXXX hacked into a classmates XXXX account ( XXXX XXXX ) and offered two vehicles for sale with a REFUNDABLE deposit ( I have this in writing-see attached screen shots of the discussion with XXXX XXXX ). 
Within minutes of our transaction I notified Venmo as it was obvious that this was fraudulent since he could not answer my question about our high school mascot. He had hacked into a friends XXXX account and pretended to be her. Unfortunately, I sent two transactions of {$1500.00} each to XXXX XXXX for fully refundable deposits on two vehicles that was supposedly owned by her uncle. He pretended to be my friend XXXX and was pretending to sell them for her uncle. He never had the vehicles to sell. 
I have attempted to contact XXXX XXXX for a refund of my two deposits. and he does NOT exist within the Venmo System. There is no way to contact him. I am hoping you can help resolve this fraudulent transaction so that Venmo and I can be made whole. 

I have sent this letter with screenshots showing that these were refundable deposits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Error with the automatic payment system. I scheduled {$120.00} payment and they reduced it from my original payment, making my account {$120.00} short. They have charge {$3000.00} in interest because it wasn't paid within the promo period but I attempted to pay, their system mess up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. XXXX. I PRESUME THAT NO PROOF OF THE ALLEDGED DEBT, NOR THEREFORE EXISTS PUSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681-4 .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
IC System is reporting a {$300.00} collection account that was opened on XX/XX/year>. This account represents a sold debt, yet IC System has failed to provide documentation establishing legal ownership, chain of title, or authority to furnish this account to consumer reporting agencies. 
The account is marked as account information disputed by consumer, however IC System continues to report it as an open collection without providing a bill of sale, assignment records, itemized balance, or any documentation linking the alleged debt to me from the original creditor forward. 
Continued reporting of a sold and unverified debt constitutes inaccurate and misleading furnishing in violation of the Fair Credit Reporting Act, XXXX XXXX. XXXX ( a ) and ( b ). IC System can not lawfully verify this account from the original start date of XX/XX/year>. 
I am formally requesting immediate deletion of this account from all consumer reporting agencies, as IC System lacks the required proof of ownership and accuracy.

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 2025-12-30 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: AL

Complaint narrative:
On XX/XX/year>, I purchased a digital XXXX product key from XXXX Limited using PayPal for {$27.00}. 

After purchase, the XXXX product key provided by the seller could not be activated and returned an error indicating that the key had already been used. I contacted the seller and requested a refund. Instead of issuing a refund, the seller provided a replacement product key, which also failed activation and returned the same error indicating it had already been used. 

After the seller did not provide a working product or refund within approximately three days, I filed a dispute with PayPal under Buyer Protection for an unusable digital good. I provided information showing that the product keys could not be activated. 

The dispute was escalated to a claim. After the seller responded, PayPal closed the case in the sellers favor on XX/XX/year>, without providing any explanation of the decision or addressing the evidence that the product keys were invalid and unusable. I was not given an opportunity to respond to the sellers submission, and no reasoning was provided for denying the claim. 

I am submitting this complaint because PayPal did not conduct a reasonable or transparent review of the dispute and did not explain how the sellers response outweighed the evidence that the digital product was unusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
LVNV Funding LLC, serviced by Resurgent Capital Services, is reporting a collection account in the amount of {$470.00} allegedly originating from XXXX XXXX XXXX XXXX XXXX. 

I requested validation of this debt pursuant to 15 U.S.C. 1692g, including proof of the original agreement, chain of assignment, and authority to collect and report. No competent validation has been provided. 

Despite the lack of validation, the account continues to be reported inaccurately and inconsistently across consumer reporting agencies. My XXXX credit report lists the account as CLOSED, while XXXX reports it as an active COLLECTION and misclassifies it as a CHARGE-OFF. 

LVNV Funding is a debt buyer and not the original creditor. A debt buyer can not lawfully charge off a debt. Reporting a debt as both closed and open, or as both a collection and a charge-off, is materially inaccurate and misleading. 

These actions constitute violations of the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ), as well as the Fair Debt Collection Practices Act, including 15 U.S.C. 1692e and 1692g. 

I am requesting that this inaccurate and unverifiable tradeline be deleted from all consumer reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I purchased the home at closing on XX/XX/XXXX, and was not the owner in XX/XX/XXXX. The mortgage servicer incorrectly paid property taxes for XX/XX/XXXX from my escrow account, even though those taxes were incurred before I owned the property. 

In XXXX, the servicer also made duplicate escrow disbursements for taxes and insurance ( 3 separate payments ), which created a negative escrow balance. Because of these errors, my monthly mortgage payment increased to cover an escrow shortage that was caused by the banks servicing mistake, not by any action or missed payment on my part. 

I contacted the company to dispute responsibility for the pre-ownership tax payment and the duplicate XXXX disbursements, and requested an escrow audit, removal of incorrect charges, reimbursement, and recalculation of the escrow shortage, but the issue remains unresolved. 

I XXXX XXXX XXXX XXXX live on a fixed income, and I can not afford payment increases caused by the banks mistake. I am submitting this complaint to ensure proper investigation and correction.

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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the day of XX/XX/year> Bank of America turn mine name to the XXXX. 
That was wrongly by the law. If they dont doing anything to remove I will send the court Thank you

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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
On XX/XX/year>, my SSDI payment was deposited into my First Citizens Bank checking account. Prior to this deposit, my account had a negative balance that had accumulated over several weeks due to repeated overdraft approvals and fees. Even though I was opted in for basic overdraft services, the bank allowed dozens of overdraft transactions to post, creating a negative balance exceeding {$1000.00}. 
When my XXXX deposit arrived, the bank applied the entire payment to cover the negative balance and overdraft fees, leaving the account with nothing. A sizable portion of my deposit went directly into overdraft fees. I attempted to contact the bank multiple times to request a review and explanation, citing federal protection of Social Security benefits under XXXX XXXX. XXXX, but representatives were evasive and unhelpful, repeatedly avoiding questions and directing me elsewhere. 
After these calls, I was told my account was closed. This closure occurred immediately after the seizure of my XXXX funds and has made it difficult to access statements or pursue a resolution. I also requested that account statements be mailed, since I am locked out of online banking, but the bank has not complied. 
This type of repeated overdrafting is extremely uncommon and negligent for banks to allow. It goes against reasonable banking practices and the banks own overdraft policies. While I am not submitting this complaint to recover money, I am submitting it to highlight that my federally protected funds were taken, and the banks actions appear to avoid both federal statutes and accountability. 

Any bank which allows overdrafts to continue after the account is negative XXXX dollars, then exhibit this kind of behavior afterwards, is negligence on their part. 

Key details : Negative balance prior to SSDI deposit : {$1200.00} SSDI deposit applied in full to cover negative balance and overdraft fees : [ {$1200.00} ] Number of overdraft transactions allowed before deposit : approximately XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This complaint is a follow-up to CFPB Complaint # XXXX inaccurate credit reporting on my Mor Furniture for Less account issued by TD Bank. 

In its response, the company stated that during a XX/XX/XXXX call I informed them that I had filed for bankruptcy. This statement is inaccurate. I did not file bankruptcy, did not provide attorney information, and did not provide a case number. At most, I indicated that bankruptcy was a possibility, which does not constitute a filed bankruptcy and does not justify reporting decisions based on such a claim. 

The company did not provide call recordings, call notes, or documentation substantiating its assertion. A speculative discussion about bankruptcy does not relieve the furnisher of its obligation to accurately report information or to comply with CARES Act Section 4021 regarding COVID-related hardship requests.

The response further failed to address whether a COVID-related hardship or payment accommodation request was made earlier in XXXX, how any such request was evaluated, or how delinquency and charge-off reporting complied with CARES Act requirements.

Under 15 U.S.C. 1681s-2 ( b ) and Regulation V ( 12 C.F.R. 1022.42 ), a furnisher must correct or delete information that can not be verified through a reasonable investigation. Assertions unsupported by account-level documentation do not satisfy this standard. See XXXX v. MBNA America Bank, N.A., 357 F.3d 426 ( 4th Cir. 2004 ).

Because the company can not substantiate its bankruptcy claim and failed to demonstrate CARES Act compliance, the delinquency timeline and charge-off can not be verified under the Fair Credit Reporting Act. I am requesting CFPB assistance in requiring correction or removal of this tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: LA

Complaint narrative:
In 2019 I opened an account with Acima. I thought the account had been paid in full being that they stopped taking payments out of my account and it never showed up on my credit. It still isn't on my credit and I have never received any calls regarding this debt. Now, 6 years later a company called XXXX is calling all of my family members threatening to sue me over this so called debt. However, I still have not received a call at all. When I called them back asking for a copy of the contract and payment history showing amount owed, they refuse to send it. They are threatening to sue me if I do not set up a payment plan. I have tried reaching out to Acima directly, but can not get anyone on the line or to return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I created a PayPal account in the United States and completed identity verification by providing my SSN. I also linked my legitimate bank account and credit cards. Immediately after account creation, my account was permanently limited. 

I have made zero transactions and have never used the account. PayPal did not provide a clear explanation and did not offer an opportunity for a manual review or to submit additional documentation. 

I believe this is an automated false positive or identity verification error. I am requesting a manual compliance review or a written explanation of the specific reason for the permanent limitation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
this is XXXX  unrecognized and I would like for it to be removed immediately.

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 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
This complaint is related to my previous case number XXXX. 

I am disputing multiple installment loans reported by Affirm that I did not open, authorize, or benefit from. I was first notified of these loans after receiving messages stating that payments were late, despite never applying for or accessing an Affirm account related to these loans. 

I am unable to log into or access the account associated with the disputed loans because the email address and account details used are not mine. Affirm has provided inconsistent information regarding the number and details of the loans they claim I am responsible for, which has changed between communications. 

I reported this issue to Affirm as suspected identity theft and provided information requested during their investigation. Despite this, Affirm concluded that I am responsible for the loans without providing clear evidence that I authorized them. I did not receive documentation showing my consent, application, or verification that these loans were legitimately mine. 

These inaccurate loans have caused and may continue to cause harm to my credit report and credit score. I am requesting that Affirm conduct a proper investigation, remove responsibility for all fraudulent loans, cease any collection activity, and ensure that no negative credit reporting related to these unauthorized accounts occurs. 

I am also requesting written confirmation that these loans are not associated with me and that my credit file has been corrected accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with overdraft — Was signed up for overdraft on card, but don't want to be
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Product : Debit card Issue : Unauthorized transaction / Frauds Bank Name : Chase/ JP Morgan I am filing this complaint regarding unauthorized debit card transactions that resulted in an improper negative balance and the removal of my deposited funds. 

My last XXXX XXXX prior to this issue was on XX/XX/XXXX. After that XXXX, I did not XXXX XXXX or use this debit card at any time during the following year. I did not XXXX again until XX/XX/XXXX, at which time I was informed that I could continue using the same debit card. 

After my XX/XX/XXXX XXXX, I called to check my balance and was informed that my account showed a negative balance of {$430.00}. I was transferred to a representative who advised me that my account was blocked and that I needed to request a new card from my XXXX XXXX center. 

I obtained and activated a new debit card from my XXXX center. After activation, I called again and was informed that my account still showed a negative balance. At that time, I was told that the {$150.00} deposit from my XXXX XXXX had been removed to cover a transaction that I did not authorize. 

I later spoke with another representative who informed me that the debit card had been used in XXXX of this year, during a period when I did not have access to or use the card. I was advised that I could file a fraud claim. 

I did not make or authorize any transaction in XXXX or at any other time that caused this negative balance. Despite reporting this as fraud, I was informed that the charge was considered valid, and my funds were not returned. I was not provided sufficient evidence demonstrating that the transaction was authorized by me. 

I am requesting relief under Regulation E, including : A proper reinvestigation of the unauthorized transaction Correction of the negative balance Reimbursement of the {$150.00} removed from my XXXX deposit Any provisional credit required while the dispute is under review Written documentation explaining how the transaction was determined to be authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was contacted by this number XXXX ( XXXX ) XXXX stating they are capital one they told me to call XXXX but I believe it is a scam because they asked me for my social security and didnt help me with the accounts that were opened under my name that were not me.

Company response to consumer: Closed with explanation