vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I attempted a transaction at XXXX XXXX XXXX XXXX XXXX using my Revolut debit card on XXXX XXXX. From that moment forward, my Revolut bank account has been frozen. I asked the reason. I was assured that it was a standard review that the bank needed to do to be in compliance with financial regulations and that it would be quick. I've also been told that I would receive an update soon. It has now been seven weeks. I've offered to cooperate in any way possible. I have not been contacted by Revolut nor have I been given the opportunity to speak with someone on the phone. The app gave me an initial estimate of seven business days for the account review to be completed. I sincerely am very concerned that I will not be able to access my funds unless a third party such as the CFPB is involved. Every time I reach out to Revolut, I am given the same response : my case has been given priority and the team is working around the clock. I don't know how this can be true, while the review taking so long also being true. I have {$4200.00} stuck in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: LA

Complaint narrative:
Details of Complaint : Improper Contact at My Workplace : On XX/XX/year>, World Finance called my job, identified themselves as World Finance, and left a message with my workplace. This is not permitted under the FDCPA unless I have given explicit permission, which I have not. 

World Finance has my personal phone number on file, which is the only number I have authorized for contact. They have not used it appropriately this month, nor have they contacted my listed references. 

Ignored Cease-and-Desist Request : After the workplace call, I contacted the World Finance home office the same day to file a complaint and formally placed a cease-and-desist order on my account. I was told a district manager would contact me within 24 hours.

On XX/XX/year>, the branch manager from the XXXX, LA office called me in a rude and harassing manner. When I reminded her of the cease-and-desist, she said it only applied to my job and that she would continue to call me. She also claimed her district manager would call me in 5 minutes about a payment, even though no one from management had contacted me to resolve the initial complaint. 

Pattern of Harassment & Unauthorized Actions : This is not the first instance of harassment from this branch at the end of the month.

In the past, World Finance withdrew a payment from a bank account belonging to my mother without authorization. When confronted, they denied wrongdoing, falsely claimed I had authorized it, and then later refunded it. 

World Finance has also used fake phone numbers to contact me in the past, which is a deceptive and harassing practice. 

Summary of Violations : Contacting me at my job after having my personal number on file. 

Ignoring a formal cease-and-desist order. 

Harassing and rude communication. 

Unauthorized bank account debit from a third-party account. 

Use of deceptive/fake phone numbers to contact me. 

These actions violate both the FDCPA and CFPB regulations protecting consumers from harassment, deceptive practices, and unauthorized account activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
PayPal Credit engages in deceptive and unfair billing practices related to its 6 Months Interest-Free promotional financing program. While certain purchases qualify for this offer, other purchases accrue interest immediately. 

The central issue is PayPal Credits payment allocation method. Payments are automatically applied first to the promotional, interest-free balances, and consumers are not given any option to direct payments toward non-promotional balances. This practice prevents consumers from paying down the principal on high-interest balances, ensuring that interest continues to accrue regardless of timely payments. 

This practice is misleading and harmful because it : 1.Misrepresents repayment control Consumers are led to believe they can manage their debt responsibly, but in fact, they are denied the ability to reduce high-interest balances.

2.Causes unavoidable financial harm Consumers are subjected to compounding interest charges they can not prevent, despite making regular payments.

3.Creates an unfair competitive disadvantage Other creditors generally allow consumers to allocate payments or apply them to higher-interest balances first. 

Additionally, when I contacted PayPal Credit customer service for clarification, I was advised that I could avoid the issue by making XXXX separate payments. I followed this guidance, paying weekly, yet the result was the same : interest continued to accrue on the non-promotional balance. This demonstrates that PayPals own representatives are providing misleading and ineffective solutions, compounding the consumer harm. 

This is not an isolated occurrence. In 2015, the Consumer Financial Protection Bureau ( CFPB ) took enforcement action against PayPal Credit ( formerly XXXX XXXX Later ) for deceptive practices, including the mishandling of deferred-interest promotions. PayPal was ordered to provide {$15.00} XXXX in redress to consumers and pay a {$10.00} XXXX penalty. Since then, many consumers have continued to report problems with payment allocation under PayPals deferred-interest and promotional financing programs.

I believe this practice may violate the following consumer protection laws and regulations : Truth in Lending Act ( TILA ), Regulation Z ( 12 C.F.R. 1026 ) requires creditors to disclose clear terms and apply payments in a manner that is not misleading or unfair. 
Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5531 ) prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ).

Federal Trade Commission Act ( 15 U.S.C. 45 ) prohibits unfair or deceptive acts or practices in commerce.

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 2025-08-30 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: FL

Complaint narrative:
To Whom It May Concern, I recently obtained a copy of my credit report and noticed some hard inquiries that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. 

The inquiries I am disputing are as follows : - Creditors Name andDate of Inquiry : 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 I did not authorize these inquiries, and I request that it be * * investigated and removed * * from my credit report immediately. 

Please provide me with written confirmation once the inquiries have been removed. I already filed my FTC Identity Theft Report its been a while, I have also contacted the creditors directly to request the withdrawal of Theseinquiries, I sent proof of my identity over my driver license and my SSN. 

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 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo bank has now allowed 3 transactions to post to my account. Two separate XXXX $ XXXX transactions that I called and disputed and the initially credited back then charged them back and denied my claim and it was a legit claim now its closed and Im out the money! 
Now they allowed a loan payment to auto draft my account for XXXX $ that I denied! I called an made a fraud charge and they dont credit me back while they are investigating! I went in to XXXX on my app and there was numerous connected things like XXXX  etc I unconnected all those BEFORE they charged my account!! I knew it had to be some scam!!! I also had received a random email from said loan company XXXX and emailed them and told them I revoked any amounts being debited from my account and any account and called them etc until I could figure out what happened so my complaint are with both Wells Fargo and XXXX whatever that is! Wells Fargo has now let over XXXXXXXX XXXX taken out of my account and wont do anything about it! They are the scammers

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 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: MS

Complaint narrative:
On XX/XX/scrub>XXXX I filed a dispute with Current for {$880.00} for XXXX My XXXX XXXX  who uses my cell phone and XXXX daily made several charges on this one and website. This is website is a social casino website and they state that you must be XXXX XXXX XXXX or older to play on the site my child is XXXX and my child is high functioning XXXX  and does not have permission to play these games or make purchases for without adult consent. I reached out to the merchant and who dragged their feet to respond but finally they responded saying that it was my fault and that I should watch my child. I sent current the email and they still denied the appeal to reopen my dispute after the dispute was denied after just one days, in which they did nothing. They dont contact the merchant they didnt actually investigate. They just closed the claim and denied it citing with XXXX and who is okay with letting a XXXX child play on their site. I want my {$880.00} back and I want to close my account and I never want to do business with current ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I was fraudulently debited over a XXXX dollars by XXXX through PayPal. XXXX XXXX deposit amount is XXXX dollars per XXXX hr period. PayPal never followed up and some were still pending as XX/XX/XXXX. In addition PayPal has charged back over XXXX dollars more from all my financial institutions and the XXXX bringing the total to over XXXX dollars with no reason and now I'm getting collections calls and texts from PayPal telling me that I have 130 days to pay the negative balance ( {$500.00} ) or they're sending it to a collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint because Bank of America charged my account multiple times in error, and even though the charges were eventually reversed, I lost access to my own money in the meantime. 

On XX/XX/year>XXXX  four identical charges were taken from my account. Because of this, my checking balance dropped significantly, and I was forced to transfer money from my savings account to cover my expenses. When the charges were later reversed, Bank of America told me the transactions canceled each other out. However, this does not reflect my real experience : At the time the charges were posted, I did not have access to my money. 
I had to use savings to cover bills. 
I was unable to pay my rent on time, which caused stress and financial hardship. 

The banks explanation that it canceled out ignores the fact that I was financially harmed during that period. It was not just a temporary hold ; it was money removed from my available balance, and I was forced to adjust my finances to cover it. 

I am requesting that Bank of America acknowledge this error caused me real harm and provide a courtesy credit for the inconvenience, stress, and financial hardship it created.

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally dispute the results of your recent reinvestigation of the account ( s ) I previously challenged in my correspondence dated [ insert date of original dispute ]. Your response, dated [ insert date of reinvestigation response ], failed to demonstrate that a reasonable investigation was conducted, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

In my initial dispute, I provided specific information and documentation to support my claim that [ describe the item ( s ) in dispute, e.g., a collection account from XXXX Collections is inaccurate due to identity theft ]. However, your reinvestigation failed to address the evidence I provided, and the item ( s ) remain ( s ) on my credit report without adequate explanation or validation. 
Under the FCRA, you are legally obligated to : Conduct a reasonable reinvestigation of the disputed information ; Review all relevant information submitted by the consumer ; Delete or correct inaccurate, incomplete, or unverifiable information within 30 days. 
Your failure to adequately investigate and correct this disputed information is a direct violation of FCRA 1681i. Therefore, I am demanding the following : Immediate deletion or correction of the inaccurate account ( s ) from my credit report ; A detailed description of the reinvestigation process you conducted, including the name and contact information of the furnisher ( s ) you communicated with ; A copy of any documents you used in your determination ; Written confirmation that the disputed information has been removed or properly corrected in compliance with the FCRA.

If you fail to comply within the required timeframe, I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I also reserve the right to pursue legal action to seek damages for noncompliance with the FCRA. 
Please respond to this letter within 15 days. Enclosed are copies of my previous dispute, documentation, and identification for your reference.

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 2025-08-30 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Three ( 3 ) charges were made to my Citibank checking/ATM account on XXXX XX/XX/2025. All were at a XXXX CA XXXX ( XXXX XXXX XXXX ), in the amounts of XXXX, XXXX, and XXXX. 
Citibank sent me a text immediately asking if I authorized these and I called back within an hour telling the representative in their fraud department that I did not make or authorize those charges. They froze my card and then sent me a new ATM card in the mail. 
They credited my account initially while they did an investigation. Then on XXXX XX/XX/2025 I received a letter from Citibank saying Citibank was unable to honor my request for reimbursement. Citibank then charged my account those same amounts on XXXX XX/XX/2025. 
I called Citibank again XXXX XX/XX/2025 and had a lengthy interview with a call center representative, who was very hard to understand with a poor quality phone connection. 
Citibank then reportedly investigated my claim again, and I received another letter on XXXX XXXX saying again that my claim was rejected. 
On a related note, I was in the state of Washington when the charges were made in XXXX CA on XXXX XX/XX/.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Subject : Dispute Regarding Missing Credit Card Account XXXX To Whom It May Concern, I am writing to formally dispute the absence of my XXXX credit card account ending in XXXX from my credit report, as it has been missing for the past three months. XXXX XXXX Escalation Department has already escalated this issue to TransUnion 's management team for correction on XX/XX/XXXX, yet the matter remains unresolved. 

According to the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), Consumer Reporting Agencies ( CRAs ) are required to maintain reasonable procedures to ensure the accuracy and completeness of the information in a consumer 's file. It is my understanding that your company is in violation of this mandate by failing to include my XXXX account in my credit report. 

For your reference, please find the details below : - * * Account Name * * : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX : Ending in XXXXXXXX XXXX XXXX XXXX  Address for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXXXXXX XXXX XXXX XXXX TransUnion Consumer Dispute Center Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Please reinstate the missing account on my credit report to ensure compliance with the FCRA. 

Thank you for your attention to this matter. I look forward to your swift response. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX [ XXXXXXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: AZ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: CA

Complaint narrative:
I am disputing billing and reporting errors that are negatively impacting my credit. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits. However, my credit report reflects the following issues : Payments I made were not properly recorded. 

Errors exist in the calculation and reporting of account balances. 

I was not provided with the required 21-day notice before a payment was due, making any reported late payments invalid. 

These inaccuracies constitute a clear violation of federal law and have caused unfair harm to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
XXXX  will not remove I.C. System, Inc collection account from my credit report despite multiple attempts. This account is not reported on any other credit bereau beside XXXX. This account is involved in litigation.

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 2025-08-30 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief