vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: AZ

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, PayPal repeatedly retried ACH debits against my bank account without sufficient funds, causing multiple reversals, a {$36.00} overdraft fee from my bank, and repeated negative balances. I did not authorize PayPal to continue retrying failed payments this many times.

During this period, PayPals system continued to submit the same charges multiple times ( for XXXX and XXXX XXXX ), and every reversal was followed by another attempt, even after my bank rejected the payments for insufficient funds. 

On XX/XX/year>, PayPal issued a {$60.00} credit labeled a one-time goodwill gesture. That credit did not actually resolve the underlying issue, because the system continued retrying and reversing transactions before and after that date. 

On XX/XX/year>, I transferred my remaining PayPal balance to my bank. This transfer was marked completed, but the deposit remained pending for over 48 hours, even though I paid an instant transfer fee.

I requested information from PayPal about why their system kept retrying charges without stopping, why reversals continued after the goodwill correction, and why their instant transfer remained pending for so long. PayPal did not provide an explanation.

I also reviewed PayPals system status logs and saw multiple maintenance and service interruptions during the same days these errors occurred, which may indicate their system retried transactions incorrectly during outages. 

I am requesting : A full investigation into repeated unauthorized ACH retries Reimbursement for any overdraft fees caused by PayPals system An explanation of why PayPal labeled the credit as a goodwill gesture instead of correcting the issue A review of PayPals ACH retry practices and automated decisioning system This situation caused financial harm and required me to track multiple reversals, pending transfers, and unexplained credits without receiving clear answers from PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diverse Funding Associates LLC
State: NV

Complaint narrative:
Case # XXXX To Whom It May Concern : I am sending this letter to you in response to a notice I received via a posting on my credit report dated XXXX. No notice was received via mail or telephone prior to this posting. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer-generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

This is an attempt to correct your records, any information obtained shall be used for that purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: OH

Complaint narrative:
XX/XX/year> Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX XXXX  Date Opened XX/XX/year> Balance {$670.00} * * Inquiries * * XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX  XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX  XXXX ( Auto ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> 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 non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: GA

Complaint narrative:
I am filing this complaint because a collection agency ( First Credit Service Inc ) is attempting to collect on a duplicate XXXX XXXX account that was created in error. I spoke with XXXX XXXX directly, and they confirmed two accounts exist under my name, with one being incorrect.

Despite this proof, the collection agency refuses to stop collection activity. I have disputed the debt in writing, but the collector continues to pursue the invalid account. 

I am requesting that the CFPB require the collection agency and XXXX XXXX to investigate the duplicate account, cease collection activity, and correct the error on my credit report. 

This is a billing and identity error created by XXXX XXXX, and I need assistance to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
In XX/XX/year>, Southwest Credit Systems reported a debt for a XXXX  account ( # XXXX ) with an outstanding balance of {$400.00}. I dispute this debt in its entirety and sent a formal debt validation request under 15 U.S.C. 1692g ( b ) of the FDCPA. I requested : Original signed contract Complete chain of title Proof of Holder in Due Course Pooling & Servicing Agreement if securitized Full debt itemization including principal, interest, fees, and payments Proof of legal right to collect Copies of all prior communications I also clarified that a bank statement or internal screenshot is not valid validation. I instructed them to cease all collection activity until proper validation is provided. To date, I have not received verifiable documentation proving this debt is valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
They have been charging {$41.00} late fees. According to this article on your website ; XXXX XXXX XXXXXXXX They should not be able to charge more than {$8.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Apelles, LLC
State: CA

Complaint narrative:
They called my phone during business hours and impersonated XXXX, which is the company that I use for my security system in order to collect a debt. Only after I had given them my address and verified my identity. Did they let me know they were a collection agency. I do not feel comfortable speaking with them anymore because clearly this company is shady and I don't know what else they are capable of. The company name is XXXX XXXX. The company is phone is XXXX ( XXXX ) XXXX. When I caught on to what she was doing, I told her how illegal it was what they did, and then the woman on the phone started backtracking, and when she saw that there was no way out, she decided it was time to start insulting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: LA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following entries on my TransUnion credit report. These accounts have inaccurate or incomplete information, and I request an immediate investigation into these matters to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts : Charged Off : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-24 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: FL

Complaint narrative:
I am submitting this formal dispute for the accounts listed below, as I believe these entries are inaccurate or improperly reported on my credit reports. Please review the following accounts across the three credit bureaus : Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} XXXX XXXX XXXX 
Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9300.00} Inquiries : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX AUTO Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account 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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX denied a credit application due to a mis-match in my personal information on my credit report. I have tried calling Experian multiple times but can not get a representative to assist me with troubleshooting the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MT

Complaint narrative:
I am requesting a reinvestigation of the following accounts that are inaccurately reported on my credit file. The accounts listed may not be properly reported according to the Fair Credit Reporting Act ( FCRA ) and require review and correction. 
Charged-Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1900.00} XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute regarding several accounts and inquiries that appear on my TransUnion credit report. These accounts and inquiries may not reflect accurate information, and I am requesting an investigation under the Fair Credit Reporting Act ( FCRA ). Below are the specific accounts and inquiries in question : Charged Off Accounts : XXXX. XXXX XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXXXXXX XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX XXXX XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX, Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$980.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/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 2025-11-24 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NJ

Complaint narrative:
I am disputing multiple inaccurate items being reported on my Experian credit report. 

1. Charged-Off Accounts : The following accounts are being reported as charged off. I do not believe these accounts are being reported accurately, completely, or in compliance with the FCRA. I request full verification and removal if Experian can not verify all data with proper documentation. 

XXXX XXXX XXXXXXXX, Acct : XXXX, XXXX : XX/XX/XXXX, Balance : {$1200.00} XXXXXXXX XXXX  Acct : XXXX, XXXX : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Acct : XXXX, XXXX : XX/XX/XXXX, Balance : {$330.00} XXXX XXXXXXXX XXXX account appears to contain a future date ( XX/XX/XXXX ), which is clearly inaccurate and impossible. Please investigate and correct this immediately. 

2. Inquiries : The following inquiries appear to be unauthorized or excessive. Please investigate and remove any that are unverifiable or obtained without my consent : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) 3. Late Payments : XXXX XXXX XXXX Acct : XXXX This account is showing late payments that I do not believe are accurate. I request Experian provide full verification ( including payment records from the furnisher ) or remove the late payment notations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Auto loan Fraud / Vehicle Never Received I took out a {$60000.00} auto loan with Navy Federal Credit Union to purchase a vehicle from a dealer. I never received the vehicle. The dealer disappeared with the funds, and law enforcement has confirmed the following : 1 : The dealers license was expired.

2 : The dealer is facing an active warrant for grand theft auto.

3 : My transaction is part of a criminal fraud investigation.

4 : I have an official police report ( Report # : XXXX ) I have never received the vehicle, title, registration, or any documentation. 

Despite notifying Navy Federal and giving them the police report and detectives information, NFCU has refused to freeze, suspend, or reverse the loan. They are requiring payments for a vehicle that I never received.

This is improper handling of a fraudulent auto loan and is causing severe financial harm. I am requesting the CFPBs assistance to : 1 : Require Navy Federal to freeze the loan.

2 : Remove any billing during the investigation.

3 : Conduct a fraud review themselves.

4 : Reverse the loan since the collateral never was never received.

Navy Federal is attempting to enforce a loan on a fraudulent transaction, which is unacceptable and violates consumer protection standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation