vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 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: CA

Complaint narrative:
Hello CFPB I'm XXXX XXXX Dispute XXXX XXXX need.Venmo XXXX my dispute I don't know properly, How to compromised my Venmo debit card. But few months ago my card information use for a XXXX website. They suddenly said in the middle of the video that if you want to watch this video in full then take a subscription which is completely free.I think my card information was compromised from there website. Website Name maybe XXXX XXXX I don't remember exactly. XX/XX/XXXX XXXX many transaction was completed at my Venmo. At first, I didn't notice it, but later, when I logged into the Venmo banking app, I saw the transaction.I called the bank 's customer service and immediately filed a complaint. This was not my authorized transaction.They accepted my complaint. But the real problem is that the bank rejected my complaint a few days later. They didn't return my money.. . I did not authorize, initiate, or receive any goods/services from XXXX or the fraudulent website. The Dispute Process : I filed a dispute with Venmo. However, Venmo denied my claim, stating the transaction was " authorized. '' Why Venmos Decision is Wrong : Under Regulation E ( Electronic Fund Transfer Act ), an " unauthorized electronic fund transfer '' includes transfers initiated by a person who obtained the access device through fraud or without the consumer 's actual authority. I was a victim of a credential-harvesting scam. I did not authorize a payment to XXXX. Venmo has failed to provide a thorough investigation or fulfill their consumer protection obligations. My Venmo datils First Name : 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 Total {$430.00} approx My Venmo debit card, And billing address information was compromised And I do not have a XXXX account that's my hard point. Desired Resolution : I request a full reversal of the fraudulent charges and a credit of {$430.00} back to my Venmo account. I also request Venmo to provide the specific documents and evidence they used to determine the transaction was " authorized. '' My Venmo card is compromise it's totally clear If this matter can not be resolved through venmo internal review process or the CFPB complaint resolution process, I respectfully reserve the right to pursue additional legal remedies available to me Note again I don't have XXXX account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I am disputing an inaccurate collection account reported by Waypoint Resource Group on behalf of XXXX XXXX XXXX confirmed that I have a {$0.00} balance and do not owe any debt. Despite this, my account was sent to collections and reported as a derogatory account. I never received any written notice or validation of this debt from Waypoint Resource Group. This is inaccurate reporting under the Fair Credit Reporting Act and a violation of the Fair Debt Collection Practices Act. I am requesting : Immediate recall of this account from Waypoint Resource Group Deletion of this collection from all credit bureaus Written confirmation of a {$0.00} balance

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 2026-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
I am seeking immediate release of a verified overpayment refund of {$8500.00} from Aidvantage. On XX/XX/year>, I overpaid my account by {$8500.00}. Since then, Aidvantage representatives have provided conflicting and verifiably false information. XXXX department claims the check was " mailed on XX/XX/year> '', while another claims the account is " on hold due to a fraud claim ''. Critically : I contacted the U.S. Treasury ( Bureau of the Fiscal Service ) on XX/XX/year>, and they confirmed they have no record of a refund for {$8500.00} ever being transmitted or issued. The " fraud '' flag was caused by a technical error regarding a separate {$1900.00} payment. My bank ( XXXX, Dispute XXXX ) has officially CLOSED that case. I have already received the Treasury check for that smaller amount, proving my address and account are valid. Aidvantage is now withholding nearly {$9000.00} of my funds without legal cause based on an outdated internal security hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
The monthly fees are being added the day that it is due. My annual fee was posted to my account after paying it on the XXXX of XXXX I logged back into my account on the XXXX of XXXX and now shows that a monthly fee is owed and was due on the XXXX of XXXX. That fee was not there when I paid the annual fee. I contacted the company and spoke to XXXX who said that I didnt have a balance but he couldnt confirm why the bill shows due the same day it was posted. I know that this is illegal and want milestone/XXXX credit to correctly bill customers with due dates that are accurate and not due the same day on my account because as it looks like on their app I am late and the fee was not on my account prior to the XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: Self Financial Inc.
State: NV

Complaint narrative:
I lost my credit card and multiple purchases were made between the night of XX/XX/year> and XX/XX/year>. I called the credit card company multiple times they would not give me any information nor would they let me dispute any charges, i requested a new card the morning of XX/XX/XXXX and XX/XX/XXXX i was not helped. I kept calling to try and dispute the purchases as well as request a new card i did not get XXXX until XXXX. I have called for weeks since trying to dispute the charges after being told i wasn't able to be helped until i activated my new card, i still have not been helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The information was inaccurate and false when I sent in a dispute letter and all they did was claim that the that was verified but they would update the information that show that it had been paid which was not what I asked them to do I asked them to remove it due to inaccurate information being obtained on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: MO

Complaint narrative:
For the XXXX time, Fay Servicing has not timely paid insurance premiums from escrow and we have had to pay out of pocket. Fay is charging us for escrows, holding our funds and not paying premiums timely. Sometimes to the point of insurance policy lapses due to nonpayment and others while sending forced placed insurance notices to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
I am filing a complaint regarding a solar loan issued by GoodLeap that is tied to a system installed at my home which is currently unsafe, non-operational, and under investigation for causing electrical damage. Shortly after installation, a significant electrical issue occurred at my residence, including sparking and failure of the main electrical panel, which required replacement. A licensed electrician has been involved, and the solar system has since been disconnected and is not operational. The installation and interconnection method are currently under investigation, and there are serious concerns that the system may have been improperly installed and contributed to the electrical failure. My homeowners insurance and other parties are involved in evaluating the damage and liability. Despite this, GoodLeap has refused to meaningfully address the issue beyond directing me back to the installer and continues to expect payment on a system that is not functioning and may have caused damage to my home. I am disputing this loan because the financed system is not operational, may be unsafe, and may not have been properly installed or delivered in a functional condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2026-03-18 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX discovered that I may be a victim of identity theft. I noticed [ describe how you found out unauthorized charges, unfamiliar accounts, credit report alerts, collection calls, etc. The unauthorized activity includes [ list details accounts opened, charges made totaling approximately [ {$1100.00}, if known ]. These activities occurred on or around XX/XX/XXXX. I did not authorize these transactions or accounts and do not know who is responsible. After discovering the issue, I took the following actions : I contacted [ bank/credit card company/credit bureau/compan on my credit , and disputed the unauthorized transactions/accounts. I also changed my passwords and secured my accounts.

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 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2026-03-18 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2026-03-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
On XX/XX/year> I initiated a transfer from Money Network ( My Banking Direct a service of XXXX ) of {$5600.00} from the debit card to my checking account at XXXX Bank. The transfer was never received by XXXX Bank and I requested Money Network to reverse the transfer since I never received it and they have refused several times. And after meeting with the manager at my local XXXX Bank, she said I need to get the A Federal Reference Number ( or Fedwire number ) is a unique 16 to 22-digit alphanumeric code, such as XXXX, that identifies a wire transfer. Money Network has refused to give me the Federal Reference Number to help XXXX Bank to locate the transfer. I have concerns that something might be going on at Money Network and its actions and refusal to help me.

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 2026-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Sent it a dispute letter stating that the information was inaccurate and incomplete due to the fact that the account was paid off all TransUnion did was update the information but did not remove it from my credit

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 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or o ther instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I am filing this complaint against Credence Resource Management , LLC regarding inaccurate and unverified information being reported on my credit file. The account in question ( Account # XXXX, originally with XXXX XXXX ) is being reported despite serious concerns regarding its accuracy, completeness, and compliance with federal reporting laws. I have reason to believe this account may be the result of identity theft or, at minimum, contains materially inaccurate information that has not been properly validated. I have not been provided with sufficient documentation proving I am legally obligated for this debt. Additionally, this account appears to be reported in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : - FCRA 623 ( a ) ( 1 ) ( A ) : Reporting information that is not fully accurate or complete - FCRA 623 ( a ) ( 8 ) : Failure to properly investigate disputed information - Failure to comply with Metro 2 reporting standards, including inaccurate payment history, incomplete account details, and improper status reporting Despite the account showing as paid, the continued reporting of this derogatory account is causing ongoing harm to my credit profile. Under FCRA 605B, I am formally asserting that this account is a result of identity theft and am requesting that this account be BLOCKED and REMOVED from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
Subject : Ongoing XXXX Mismanagement and Failure to Correct Account NewRez I am filing a formal complaint against my mortgage servicer, NewRez LLC, regarding ongoing escrow account mismanagement and failure to resolve the issue despite repeated attempts. Since approximately XX/XX/year>, there has been a persistent issue with my XXXX account. The account appears to be miscalculated and/or improperly managed, resulting in incorrect charges and an inaccurate balance. I have made multiple attempts to resolve this issue directly with NewRez, but the problem remains unresolved. They have received all paperwork that they have requested, then they try to keep adding to what they need for it to be fixed. Due to this ongoing error, I have lost confidence in the accuracy of my account. As a result, I have limited my payments to principal and interest only until the XXXX issue is corrected. I have clearly communicated this to NewRez. Despite my efforts : - The escrow account has not been properly reviewed or corrected - I have not received a clear explanation of the discrepancies- The issue has remained unresolved for several months - I have continued to receive billing statements that reflect inaccurate escrow charges and late fees I am requesting the following actions : 1. A full audit and detailed accounting of my escrow account 2. Immediate correction of any errors in the account 3. Removal of any improper charges, fees, or penalties related to this issue 4. Written confirmation of the corrected account status 5. Assurance that no negative credit reporting will occur due to this dispute This ongoing failure to properly manage and correct my escrow account is unacceptable and may be a violation of federal servicing regulations. I am requesting prompt resolution of this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX Loan Number : XXXX

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 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: WA

Complaint narrative:
Someone called and pretended to be chime and scammed me out of XXXX once on XX/XX/XXXX and then agian on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland is reporting I owe a debt to them and reporting it monthly as a late payment. I have never done business with this company.

Company response to consumer: Closed with explanation