vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Bridgecrest XXXX XXXX XXXX : Legal / Collections Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Email : XXXX Re : Account # XXXX Current Claimed Balance : {$13000.00} LEGAL NOTICE & DEMAND BEFORE FILING COMPLAINT/ LEGAL ACTION To whom it may concern : I write regarding the above-referenced account. Despite my several prior written request letters, I have not received a substantive response, breakdown of interest vs. principal, or any meaningful proposal to address the stark disparity between the outstanding balance and the fair market value of the vehicle. 

This is to put Bridgecrest on formal notice : I demand a complete payoff statement and amortization schedule showing principal, interest, fees, and how payments have been applied, within 15 calendar days of your receipt of this letter. 

I demand that Bridgecrest review my loan for modification, principal reduction, or settlement, in light of negative equity and fairness. 

If Bridgecrest fails to respond as demanded, or refuses to engage in good faith negotiation within XXXX calendar days, I will take all available legal and administrative actions, including but not limited to : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), which is legally required to forward the complaint to you and track your response. 
Consumer Financial Protection Bureau Filing a complaint with the Nevada Attorney Generals Office, Bureau of Consumer Protection for possible violation of state consumer protection laws ( e.g. deceptive trade practices under NRS Chapter 598 ). 
Nevada Legislature Initiating a lawsuit or arbitration in small claims or appropriate court seeking damages, declaratory relief, and attorneys fees.

Challenging any adverse credit reporting related to this account under the Fair Credit Reporting Act ( FCRA ) if information is incorrect or incomplete.

If you choose to repossess or pursue collection, understand that any deficiency claim the difference between what you claim I owe and what is recovered will be vigorously contested, including on the grounds of unfair or predatory lending practices. 

This letter does not constitute a waiver of any rights or defenses I may have now or in the future.

Please consider this your final opportunity to respond and resolve this matter amicably. Kindly send your response in writing to me address above and by email by no later than 15 days from receipt. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On Monday, XX/XX/year>, I called PayPal Credit to pay off three special financing purchases totaling {$580.00}, due XX/XX/XXXX to avoid interest. I authorized that exact amount over the phone with a PayPal representative.

The next day, I discovered PayPal had processed a {$1500.00} payment from my bank accountan amount I never authorized. This caused serious financial hardship and overdrafted my account. When I called to report the issue, I was told ( incorrectly ) that I made the payment through an online chat, which never happened ( and can be seen on the attached PayPal statement ). When I requested a copy of the chat, the representative said it couldnt be accessed. I was transferred multiple times, given conflicting answers, and told to contact my bank to stop the paymentresulting in a bank fee and a {$30.00} returned check fee from PayPal.

Even more alarming, I later saw another unauthorized charge of {$1800.00} on Sunday, XXXX XXXXa day I did not log into my account or contact PayPal at all, as I was attending a religious convention all day.

After many calls, one representative finally admitted an error and filed a dispute. PayPal later apologized in a letter sent to me via email and removed the {$1800.00} charge, but they never explained how these unauthorized transactions occurred or why I was repeatedly misinformed.

Because of PayPals errors and delays, my special financing promotion expired, and I was charged {$120.00} in interest, which I had tried to prevent by paying early. This has caused stress, financial loss, and a loss of confidence in PayPal, a creditor I once trusted. I fear similar issues could affect other consumers if this is not properly investigated and corrected.

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 2025-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
PayPal refunded my buyer {$2200.00} without requiring return of the merchandise or notifying me. The buyer kept both phones and the money. PayPal also processed XXXX unauthorized payments to XXXX XXXX Bank while I was incarcerated and could not access my account. These actions violate PayPals Seller Protection policy and Regulation E ( unauthorized electronic fund transfers ). I have not received reimbursement or any meaningful response from PayPal Support.

My account email is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: TX

Complaint narrative:
I have no connection to the accounts listed and believe they are fraudulent in nature. This serves as my formal request for their removal and for a detailed investigation to be conducted. Supporting records are enclosed.

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 2025-10-25 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: NC

Complaint narrative:
Recently ive reviewed my credit report and these inquiries do not belong to never applied for this remove these immediately XX/XX/year> XXXX Equifax XX/XX/year>XXXX XXXX Equifax XX/XX/year> XXXX Equifax XX/XX/year> XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I was charged {$140.00} for a Best Buy car audio installation service ( XXXX XXXX XXXX XXXX XXXX XXXX ) that was never performed. I purchased multiple car audio items and installation services on XX/XX/XXXX, then returned all equipment and canceled all services on XX/XX/XXXX. 

Best Buy refunded XXXX instance of this service SKU, but the transaction originally included XXXX identical charges. Only XXXX was refunded. The second XXXX XXXX service was left active in their system even though no installation ever occurred. 

I attempted to resolve this with both Best Buy and Citi multiple times. Best Buy can not provide documentation showing the service was performed because it was not. Citi representatives told me they could not identify the charge, but the charge still appears on my Best Buy Citi card statement covering XXXX XXXX. 

I am requesting that Citi permanently remove the remaining {$140.00} charge under the Fair Credit Billing Act, as this was a duplicate service charge for a service that was never fulfilled.

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 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I received a letter today, XX/XX/XXXX in the mail. The mail was unsealed and that could happen just by accident. Im not saying somebody ripped it open because there was no rips. Im not sure if it was intentional or not that part but when I read the letter, I changed my over the limit preferences thats all I did on the BMO website. Its BMO Bank that I bank with that. The issue was with. I was very very upset when I read the letter that had my full bank account number on the letter. Why would somebody especially in this day and age put somebodys full bank account number? I just still cant believe that happened with all the fraud that goes on these days thats like me sending you a letter with your Social Security number on it. Somebody could steal your identity your money anything its really scary and Im sure its not an error it has to be their normal procedure to do that so not only do I want compensation for this. Im not out trying to get {$1.00} XXXX but I want some kind of compensation for this. I also Im doing this for the next person so the list doesnt happen again I still dont understand why they put the account number down still so if you could help me, I would really appreciate it and contact them. PS Tell the bank do NOT close my bank account. I am not opening another account. Its too much work to do. Please make sure my bank account will not be closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: TX

Complaint narrative:
I have contract with national debt relief for aXX/XX/XXXX and XX/XX/XXXX now, I felt they are not honest about the settlement and they just keep on adding extra funds to the accounts and settlements dont have any documentation to proof any of the offer been sent to them from creditors. At this point I want to file complaint against them. I even added an email from them that been sent to me when I asked for proof. The email is not official at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX - XXXX is reporting an installment account opened XXXX, closed XXXX, with Charge-off status and a displayed Balance Owed {$2500.00} even though the account is closed. XX/XX/XXXX and Experian show Closed - Charge-off with a Balance Owed {$2500.00} at or around the reported dates. XX/XX/XXXXshows Closed - Charge-off with {$0.00} on some fields, creating ambiguity as to whether a balance remains collectible or has been canceled. 

Example data points : XX/XX/XXXX - Balance Owed {$2500.00} - Closed XXXX - Charged off as bad debt and Experian - Charge-off for the same 2021 account ; XX/XX/XXXX shows Closed - Charge-off yet indicates {$0.00} in certain fields. 


This mixture of closed status, charge-off coding, and balance reporting is inaccurate or misleading under FCRA XXXX XXXX a ) and XXXX XXXX XXXX XXXX XXXX, and XXXX has not provided documentation that reconciles whether the balance is collectible, settled, or canceled. If any portion was canceled, XXXX XXXX. XXXX would require a XXXX for {$600.00} or more, which I never received. XXXX must also ensure the date of first delinquency is correct and not re-aged, consistent with 15 U.S.C. XXXX ( a ) ( 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 2025-10-24 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-24 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a complaint regarding an account with XXXX. XXXX XXXX. In their response dated XX/XX/ 2025, the company acknowledged that this account is time-barred and has ceased actively seeking collection. Despite this, the account continues to appear on my TransUnion credit report, which misrepresents the debt. Under the FCRA and FDCPA, this account should be removed from TransUnion. I am not acknowledging or paying this debt and request immediate deletion.

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 2025-10-24 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted written disputes with supporting documentation showing myXX/XX/XXXX( Case XX/XX/XXXXXXXX, XXXX XXXX of Florida ) was XX/XX/XXXX, not XXXX on XX/XX/year>2023. Despite receiving this verified court order, the credit bureau continues to report several accounts as charged off or included in XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX and XXXX ( b ) ), credit bureaus and furnishers must ensure maximum possible accuracy. Reporting accounts as connected to aXX/XX/XXXX that was dismissed is inaccurate and misleading. 

I request that the CFPB require the credit bureau to : Delete or correct all accounts improperly verified ; Provide documentation from the furnishers proving lawful verification ; Ensure all references toXX/XX/XXXXare removed. 

Accounts involved : XXXX XXXX Bank XXXX XXXX. {$1600.00} XXXX XXXX XXXX XXXX Bank {$840.00} XXXX XXXX XXXX ( XXXX Bank XXXX {$750.00} XXXX Card {$2000.00} Mailed Dismissal Order ( XX/XX/scrub> 2023 ), copies of dispute letters, and credit bureau responses showing verified as accurate.

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 2025-10-25 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
After inspection of the company 's response its still not clear other than the company stating there's nothing wrong. I supplied documentation showing the discrepancies yet there stating that nothing is wrong. That is inaccurately reporting again when there was documentation showing inaccuracies so how is that correct. Furthermore I request all payments made and the exact date and amounts that were paid for this account to include but not limited to tge original signed copy of the original contract. The final statement of the account paid in full with exact amounts paid and total paid. The documents showing the account paid in full date and banks involved along with there signed contracts of amounts paid to kia. The exact dates the payments were allegedly paid atleastXX/XX/XXXXdays late as reported. The exact word age of the grace period of payments and any other payment documents for the entire length of the account. This is my official request for all the above documentation. Again how is a payment XX/XX/XXXX days late if it paid on time the month before and again the month after the alleged XX/XX/XXXX day late payment.

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 2025-10-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a complaint regarding an account with XXXX. XXXX XXXX. In their response dated XX/XX/year>, the company acknowledged that this account is time-barred and has ceased actively seeking collection. Despite this, the account continues to appear on my Equifax credit report, which misrepresents the debt. Under the FCRA and FDCPA, this account should be removed from Equifax. I am not acknowledging or paying this debt and request immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: TX

Complaint narrative:
These accounts were not authorized by me and seem to be fraudulent. I ask for their prompt removal and a thorough review. Documents are attached.

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